Mortgage Lenders and Brokers in Upper Saddle River, New Jersey
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Upper Saddle River, New Jersey mortgage lenders include Bogota Savings BankBogota Savings Bank558 572 East Crescent Avenue, Upper Saddle River, NJ 07458B4.5 ★Texas Ratio: 20.77%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1342 Saint Georges Ave, Avenel, NJ 07001A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA1116 State Route 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 4.14%, TD BankTD Bank601 White Horse Pike, Absecon, NJ 08201A+5.0 ★Texas Ratio: 3.71%, M&T BankM&T Bank547 Broadway, Bayonne, NJ 07002A+5.0 ★Texas Ratio: 4.11%, Citibank, NACitibank, NA378 Nj Route 3, Clifton, NJ 07014A+5.0 ★Texas Ratio: 2.82%, Fulton Bank, National AssociationFulton Bank, National Association20 N Main St, Allentown, NJ 08501A+5.0 ★Texas Ratio: 4.85%, Flagstar Bank NAFlagstar Bank NA171 Broadway # 173, Bayonne, NJ 07002D3.3 ★Texas Ratio: 35.11%, Wells Fargo Bank NAWells Fargo Bank NA1115 Highway 34, Aberdeen, NJ 07747A+5.0 ★Texas Ratio: 5.36%, and Citizens Bank, NACitizens Bank, NA1000 Highway 36, Atlantic Highlands, NJ 07716A+5.0 ★Texas Ratio: 5.44%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Upper Saddle River, New Jersey in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Upper Saddle River are listed first, then lenders elsewhere in New Jersey, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Upper Saddle River, New Jersey
Market share is the lender's share of all home loans closed in Upper Saddle River, New Jersey. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1 office in Upper Saddle River 558 572 East Crescent Avenue, Upper Saddle River, NJ 07458 B4.5 ★Texas Ratio: 20.77% |
Conventional | 1 | 0.6% | 100% | $265,000 | View |
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1342 Saint Georges Ave, Avenel, NJ 07001 A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo, HELOC | 9 +1 HELOCs |
5.1% | 100% | $1,113,888 | View |
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1116 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.14% |
Conventional, Jumbo, HELOC | 7 +13 HELOCs |
4% | 87.5% | $1,569,285 | View |
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601 White Horse Pike, Absecon, NJ 08201 A+5.0 ★Texas Ratio: 3.71% |
Conventional, Jumbo, HELOC | 5 +10 HELOCs |
2.8% | 100% | $693,000 | View |
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547 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 3 +8 HELOCs |
1.7% | 75% | $1,095,000 | View |
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378 Nj Route 3, Clifton, NJ 07014 A+5.0 ★Texas Ratio: 2.82% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
1.7% | 100% | $1,155,000 | View |
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20 N Main St, Allentown, NJ 08501 A+5.0 ★Texas Ratio: 4.85% |
Conventional, Jumbo | 2 | 1.1% | 100% | $1,350,000 | View |
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171 Broadway # 173, Bayonne, NJ 07002 D3.3 ★Texas Ratio: 35.11% |
Conventional, Jumbo | 2 | 1.1% | 100% | $1,115,000 | View |
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1115 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 5.36% |
Conventional, Jumbo | 2 | 1.1% | 50% | $1,075,000 | View |
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1000 Highway 36, Atlantic Highlands, NJ 07716 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 1 +8 HELOCs |
0.6% | 50% | $1,005,000 | View |
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★ 1.7 stars, 3 reviews 1163 State Route 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +8 HELOCs |
0.6% | 100% | $675,000 | View |
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511 Cookman Ave, Asbury Park, NJ 07712 A+5.0 ★Texas Ratio: 3.46% |
Conventional, HELOC | 1 +3 HELOCs |
0.6% | 100% | $815,000 | View |
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1154 Highway 34, Aberdeen, NJ 07747 A+5.0 ★Texas Ratio: 4.30% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
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3C Buckingham Dr, Manchester, NJ 08759 A+5.0 ★Texas Ratio: 3.04% |
VA | 1 | 0.6% | 100% | $1,055,000 | View |
Peapack Private Bank & Trust
500 Hills Drive Suite 300, Bedminster, NJ 07921 |
Conventional | 1 | 0.6% | 100% | $605,000 | |
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175 Rock Rd, Glen Rock, NJ 07452 A+5.0 ★Texas Ratio: 1.20% |
Conventional | 1 | 0.6% | 100% | $455,000 | View |
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407 Main St, Chatham, NJ 07928 A+5.0 ★Texas Ratio: 4.86% |
Conventional | 1 | 0.6% | 100% | $1,075,000 | View |
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64 Old Highway 22, Clinton, NJ 08809 A5.0 ★Texas Ratio: 9.27% |
Conventional | 1 | 0.6% | 100% | $1,165,000 | View |
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★ 3 stars, 1 review 85 Bridge Ave, Bay Head, NJ 08742 A+5.0 ★Texas Ratio: 5.71% |
Conventional | 1 | 0.6% | 100% | $865,000 | View |
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1 Towne Ctr, Cliffside Park, NJ 07010 A+5.0 ★Texas Ratio: 3.96% |
Conventional | 1 | 0.6% | 100% | $405,000 | View |
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522 Broadway, Bayonne, NJ 07002 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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★ 1.8 stars, 5 reviews 220 Livingston St, Northvale, NJ 07647 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
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73 Mountainview Blvd, Basking Ridge, NJ 07920 3849 A5.0 ★Texas Ratio: 9.20% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Bond Street Mortgage, LLC
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Conventional, Jumbo | 2 | 1.1% | 100% | $980,000 | |
Arc Home LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,775,000 | |
NJ Lenders Corp
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Conventional | 1 | 0.6% | 100% | $1,185,000 | |
MLB Residential Lending, LLC
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Conventional | 1 | 0.6% | 100% | $205,000 | |
American Federal Mortgage Corporation
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Conventional | 1 | 0.6% | 100% | $1,095,000 | |
1St 2Nd Mortgage Company of N.J., Inc.
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Conventional | 1 | 0.6% | 100% | $755,000 | |
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Rocket Mortgage
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Conventional, FHA, Jumbo | 13 | 7.3% | 92.9% | $1,024,230 | |
Toll Brothers Mortgage Company
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Conventional | 13 | 7.3% | 100% | $644,230 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, Jumbo | 11 | 6.2% | 100% | $965,000 | |
United Wholesale Mortgage
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Conventional, FHA, HELOC | 9 +1 HELOCs |
5.1% | 90% | $773,888 | |
Guaranteed Rate, Inc.
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Conventional, Jumbo, HELOC | 8 +1 HELOCs |
4.5% | 100% | $1,277,500 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional, Jumbo, HELOC | 5 +2 HELOCs |
2.8% | 100% | $1,501,000 | View |
loanDepot.com LLC
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Conventional, Jumbo | 5 | 2.8% | 83.3% | $891,000 | |
Pennymac Loan Services LLC
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Conventional, Jumbo | 5 | 2.8% | 83.3% | $841,000 | |
Newrez LLC
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Conventional, Jumbo | 3 | 1.7% | 100% | $1,108,333 | |
Visions Federal Credit Union
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Conventional | 3 | 1.7% | 100% | $978,333 | |
Municipal Credit Union
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Conventional, Jumbo | 3 | 1.7% | 100% | $1,341,666 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional, Jumbo | 3 | 1.7% | 100% | $1,078,333 | View |
Guaranteed Rate Affinity, LLC
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Conventional | 2 | 1.1% | 100% | $870,000 | |
Cmg Mortgage Inc
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Conventional | 2 | 1.1% | 100% | $920,000 | |
Union Home Mortgage Corp.
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Conventional | 2 | 1.1% | 100% | $605,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 1.1% | 100% | $640,000 | |
United Nations Federal CU
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Conventional | 2 | 1.1% | 100% | $1,105,000 | |
Nexera Holding LLC
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Conventional | 2 | 1.1% | 100% | $1,130,000 | |
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A5.0 ★Texas Ratio: 8.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $415,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.6% | 100% | $855,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $745,000 | |
Jet Direct Funding Corp.
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,525,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.6% | 100% | $1,205,000 | View |
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A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.6% | 100% | $785,000 | View |
Everett Financial, Inc.
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Conventional, Jumbo | 1 | 0.6% | 100% | $2,005,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.6% | 100% | $935,000 | |
Movement Mortgage, LLC
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,655,000 | |
Resicentral LLC
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Conventional | 1 | 0.6% | 100% | $475,000 | |
AmWest Funding Corp
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Conventional, Jumbo | 1 | 0.6% | 100% | $1,405,000 | |
Plus Relocation Mortgage, LLC
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Conventional | 1 | 0.6% | 100% | $455,000 | |
LoanFlight Lending, LLC.
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Conventional | 1 | 0.6% | 100% | $1,005,000 | |
Stg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $525,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.6% | 100% | $355,000 | View |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.6% | 100% | $595,000 | |
Provident Funding Associates
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Conventional | 1 | 0.6% | 100% | $585,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.6% | 100% | $205,000 | View |
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A5.0 ★Texas Ratio: 7.72% |
Conventional, Jumbo | 1 | 0.6% | 100% | $2,085,000 | View |
Nationstar Mortgage
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VA | 1 | 0.6% | 50% | $365,000 | |
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A+5.0 ★Texas Ratio: 3.19% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,355,000 | View |
Nationwide Mortgage Bankers, Inc.
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Conventional | 1 | 0.6% | 100% | $315,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.6% | 100% | $595,000 | View |
Fairway Independent Mort Corp
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Conventional | 1 | 0.6% | 100% | $995,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21% |
Conventional | 1 | 0.6% | 100% | $835,000 | View |
Webster Bank, N.A.
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Conventional | 1 | 0.6% | 50% | $1,035,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.6% | 100% | $1,045,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.6% | 100% | $65,000 | View |
First Technology Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $145,000 | |
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C+4.1 ★Texas Ratio: 25.91% |
Conventional | 1 | 0.6% | 100% | $225,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.6% | 100% | $395,000 | |
Cake Mortgage Corp.
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Conventional, Jumbo | 1 | 0.6% | 100% | $2,315,000 | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +4 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Georgia'S Own Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B+4.8 ★Texas Ratio: 17.52% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Total Mortgage Services, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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A5.0 ★Texas Ratio: 8.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Upper Saddle River Mortgage Rate Trends
Daily average mortgage rates for New Jersey compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Upper Saddle River, New Jersey
Looking for mortgage lenders near me or mortgage brokers near me in Upper Saddle River? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Upper Saddle River in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Upper Saddle River, NJ
Use these to narrow the list above. Each category shows how many Upper Saddle River, NJ lenders fit and what that kind of lender is usually best for.
Who Lends in Upper Saddle River, NJ
Independent mortgage companies closed 59.9 percent of home loans in Upper Saddle River, New Jersey in 2025, banks 34.5 percent and credit unions 5.6 percent. Bond Street Mortgage, LLC was the largest mortgage company, Bogota Savings Bank the largest bank and Affinity Federal Credit Union the largest credit union. Among lenders headquartered in New Jersey, Bogota Savings Bank led with 1 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New Jersey. Graduated seller paid realty transfer fee of roughly $2 to $6.05 per $500 (about 0.4 percent to 1.2 percent, higher on sales over $350,000), plus a seller paid mansion tax on homes over $1 million that since July 2025 runs 1 percent from $1 million to $2 million and rises in tiers to 3.5 percent above $3.5 million. No mortgage recording tax.
More New Jersey Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Upper Saddle River, NJ
By home loans closed in 2025, Bogota Savings Bank was the largest mortgage lender in Upper Saddle River, New Jersey with 1 loans, about 0.6 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
3 lenders closed FHA loans in Upper Saddle River, New Jersey in 2025, led by Rocket Mortgage with 1. 3 lenders closed VA loans, led by Pinnacle Mortgage Inc.. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 37 banks and 10 credit unions closed home loans in Upper Saddle River, New Jersey in 2025, alongside 43 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Upper Saddle River, New Jersey during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Upper Saddle River, New Jersey for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Upper Saddle River. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
