Home purchase lenders in Bergen County
6,815 home purchase mortgages were made in Bergen County, New Jersey, in 2025, by 392 lenders. The median rate their borrowers got was 6.562% on a median loan of $595,000. Of 7,920 decisions, 881 were denials — 11.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 464 | 6.625% | $565,000 | 5.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 341 | 6.625% | $555,000 | 13.5% |
| JPMorgan Chase Bank, National Association | 339 | 6.375% | $605,000 | 9.0% |
| Rocket Mortgage, LLC | 326 | 6.500% | $575,000 | 14.2% |
| GUARANTEED RATE, INC. | 267 | 6.600% | $595,000 | 3.2% |
| TD Bank, National Association | 171 | 6.250% | $775,000 | 22.5% |
| Luminate Bank | 166 | 6.500% | $555,000 | 5.1% |
| Loandepot.Com, LLC | 166 | 6.575% | $605,000 | 5.7% |
| Bank of America, National Association | 159 | 5.990% | $755,000 | 17.9% |
| Wells Fargo Bank, National Association | 136 | 5.750% | $845,000 | 10.5% |
| NJ LENDERS CORP. | 131 | 6.750% | $605,000 | 1.5% |
| CMG MORTGAGE, INC. | 126 | 6.625% | $540,000 | 9.7% |
| Citizens Bank, National Association | 122 | 6.375% | $655,000 | 20.8% |
| BOND STREET MORTGAGE, LLC | 117 | 6.624% | $575,000 | 3.3% |
| Citibank, National Association | 111 | 5.875% | $905,000 | 14.4% |
| PENNYMAC LOAN SERVICES, LLC | 91 | 6.500% | $685,000 | 20.2% |
| Manufacturers and Traders Trust Company | 89 | 5.875% | $605,000 | 10.0% |
| Fairway Independent Mortgage Corporation | 81 | 6.875% | $605,000 | 5.5% |
| MOVEMENT MORTGAGE, LLC | 81 | 6.625% | $565,000 | 7.3% |
| Paramount Residential Mortgage Group, Inc. | 80 | 6.500% | $595,000 | 8.1% |
| U.S. Bank National Association | 77 | 6.375% | $705,000 | 15.6% |
| UNION HOME MORTGAGE CORP. | 74 | 6.625% | $585,000 | 8.3% |
| NEWREZ LLC | 65 | 6.750% | $575,000 | 12.2% |
| Morgan Stanley Private Bank, National Association | 60 | 5.800% | $910,000 | 4.7% |
| GUARANTEED RATE AFFINITY, LLC | 59 | 6.625% | $615,000 | 3.3% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 58 | 6.625% | $530,000 | 4.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 57 | 6.375% | $605,000 | 6.5% |
| Broker Solutions, Inc. | 56 | 6.750% | $550,000 | 5.0% |
| Woori America Bank | 55 | Not published | $535,000 | 14.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 55 | 6.875% | $565,000 | 0.0% |
| THE LOAN STORE, INC. | 54 | 7.000% | $565,000 | 4.8% |
| Unity Bank | 49 | 7.000% | $545,000 | 7.6% |
| Valley National Bank | 48 | 6.188% | $515,000 | 17.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 47 | 6.750% | $615,000 | 7.8% |
| Webster Bank, National Association | 44 | 6.375% | $1,005,000 | 13.5% |
| CHAMPIONS FUNDING, LLC | 44 | 8.062% | $625,000 | 15.4% |
| Loan Funder LLC | 41 | 10.500% | $635,000 | 12.8% |
| KIND LENDING, LLC | 40 | 6.875% | $595,000 | 28.6% |
| PNC Bank, National Association | 38 | 6.375% | $460,000 | 28.6% |
| Columbia Bank | 38 | 6.250% | $455,000 | 9.1% |
| Kiavi Funding, Inc. | 38 | 10.250% | $525,000 | 11.6% |
| ARC HOME LLC | 33 | 7.125% | $625,000 | 10.8% |
| A&D Mortgage LLC | 31 | 6.625% | $585,000 | 13.9% |
| Kearny Bank | 31 | 6.375% | $495,000 | 3.1% |
| PLAZA HOME MORTGAGE, INC. | 30 | 6.875% | $525,000 | 30.2% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 30 | 6.433% | $570,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 30 | 7.750% | $550,000 | 9.1% |
| NEW WAVE LENDING GROUP INC | 30 | 7.125% | $465,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 29 | 6.750% | $585,000 | 6.5% |
| Bank of Hope | 29 | 6.125% | $495,000 | 8.6% |
| Advisors Mortgage Group, L.L.C. | 28 | 6.500% | $590,000 | 3.3% |
| EMBRACE HOME LOANS, INC. | 28 | 6.563% | $700,000 | 0.0% |
| JET DIRECT FUNDING CORP | 27 | 6.875% | $565,000 | 10.0% |
| Tomo Mortgage, LLC | 26 | 6.313% | $700,000 | 21.2% |
| Mortgage Research Center, LLC | 26 | 6.125% | $645,000 | 18.8% |
| CARNEGIE MORTGAGE PARTNERS, LLC | 25 | 6.500% | $515,000 | 0.0% |
| Emporium TPO LLC | 25 | 7.490% | $575,000 | 2.9% |
| TOTAL MORTGAGE SERVICES, LLC | 25 | 6.625% | $525,000 | 3.9% |
| AMERICAN FINANCIAL NETWORK, INC. | 24 | 6.750% | $505,000 | 11.1% |
| BETTER MORTGAGE CORPORATION | 23 | 6.375% | $605,000 | 21.9% |
| FIRST COLONY MORTGAGE CORPORATION | 23 | 6.625% | $525,000 | 15.6% |
| Citadel Servicing Corporation | 23 | 7.625% | $485,000 | 3.1% |
| AMWEST FUNDING CORP. | 23 | 6.625% | $555,000 | 8.0% |
| EMM LOANS LLC | 23 | 6.875% | $515,000 | 0.0% |
| Visions Federal Credit Union | 22 | 6.000% | $555,000 | 18.5% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 22 | 6.750% | $565,000 | 4.4% |
| JMAC LENDING, INC. | 22 | 6.933% | $530,000 | 4.4% |
| TOLL BROTHERS MORTGAGE COMPANY | 21 | 6.375% | $745,000 | 5.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 21 | 6.750% | $585,000 | 8.7% |
| PINNACLE MORTGAGE, INC. | 21 | 6.490% | $505,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 20 | 6.875% | $665,000 | 41.2% |
| UNITED MORTGAGE CORP. | 20 | 6.750% | $525,000 | 0.0% |
| FM Home Loans, LLC | 20 | 6.933% | $570,000 | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 20 | 6.625% | $445,000 | 0.0% |
| Municipal Credit Union | 20 | 5.750% | $1,005,000 | 4.6% |
| Brighton Bank | 20 | 6.933% | $555,000 | 0.0% |
| Provident Bank | 20 | 6.125% | $675,000 | 4.8% |
| ConnectOne Bank | 20 | Not published | $190,000 | 4.8% |
| MLD MORTGAGE INC. | 19 | 6.250% | $525,000 | 8.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.125% | $585,000 | 5.0% |
| MLB RESIDENTIAL LENDING, LLC | 18 | 6.933% | $585,000 | 4.4% |
| Navy Federal Credit Union | 17 | 6.250% | $555,000 | 26.1% |
| The Federal Savings Bank | 17 | 6.625% | $555,000 | 5.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.625% | $405,000 | 10.5% |
| Fulton Bank, National Association | 16 | 6.375% | $1,135,000 | 0.0% |
| NQM FUNDING, LLC | 16 | 7.624% | $615,000 | 19.1% |
| UBS Bank USA | 16 | 6.063% | $1,105,000 | 5.9% |
| STG MORTGAGE INC | 15 | 6.750% | $525,000 | 9.5% |
| AFFINITY | 15 | 5.250% | $395,000 | 16.7% |
| MORTGAGE ACCESS CORP. | 15 | 6.625% | $405,000 | 0.0% |
| United Nations Federal Credit Union | 15 | 5.625% | $675,000 | 6.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 14 | 6.995% | $515,000 | 6.7% |
| General Mortgage Capital Corporation | 14 | 6.188% | $610,000 | 0.0% |
| Hometown Equity Mortgage, LLC | 14 | 7.438% | $670,000 | 36.4% |
| OceanFirst Bank, National Association | 14 | 6.500% | $515,000 | 5.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 14 | 6.813% | $585,000 | 6.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.490% | $635,000 | 11.8% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 13 | 10.000% | $1,395,000 | 13.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 13 | 10.500% | $565,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 13 | 6.750% | $605,000 | 7.1% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 12 | 5.833% | $745,000 | 7.7% |
| PENTAGON FEDERAL CREDIT UNION | 12 | 6.375% | $610,000 | 40.0% |
| NBKC BANK | 12 | 6.495% | $415,000 | 14.3% |
| Ascendia Bank | 12 | Not published | $1,035,000 | 7.7% |
| Skyrock Mortgage Corp | 12 | 6.308% | $665,000 | 7.7% |
| GREENWAY MORTGAGE FUNDING CORP. | 12 | 6.500% | $535,000 | 0.0% |
| POLISH & SLAVIC | 11 | Not published | $425,000 | 8.3% |
| Spencer Savings Bank, SLA | 11 | Not published | $355,000 | 21.4% |
| Logan Finance Corporation | 11 | 6.999% | $505,000 | 21.4% |
| Truist Bank | 11 | 6.125% | $1,025,000 | 15.4% |
| USALLIANCE FEDERAL CREDIT UNION | 11 | 6.750% | $885,000 | 8.3% |
| SUMMIT MORTGAGE BANKERS INC. | 11 | 6.500% | $575,000 | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 11 | 7.125% | $445,000 | 0.0% |
| NMSI, INC. | 11 | 6.500% | $525,000 | 0.0% |
| Charles Schwab Bank, SSB | 11 | 5.750% | $785,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 11 | 7.875% | $555,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 6.438% | $555,000 | 9.1% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.188% | $600,000 | 9.1% |
| First Federal Bank | 10 | 5.933% | $775,000 | 9.1% |
| OCMBC, INC. | 10 | 7.062% | $540,000 | 11.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 9.803% | $435,000 | 0.0% |
| KWIK MORTGAGE CORPORATION | 10 | 6.313% | $540,000 | 9.1% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 60.9% |
| LENNAR MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CONTOUR MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Quontic Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Cathay Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 8 | Under 10 loans | Under 10 loans | 8.3% |
| ICE LENDER HOLDINGS LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Bethpage Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 8.3% |
| BAY EQUITY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| EVERETT FINANCIAL, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 2549005FUF02T1IFCA22 | 7 | Under 10 loans | Under 10 loans | 22.2% |
| WALL STREET MORTGAGE BANKERS, LTD. | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Royal Business Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| City National Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Ponce Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIED MORTGAGE GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| Greater Alliance Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LUXURY MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Hanmi Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 41.7% |
| TrustCo Bank | 5 | Under 10 loans | Under 10 loans | 11.1% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| EAST COAST CAPITAL CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MILLENIUM HOME MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 44.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| UIF CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 25.0% |
| KEYSTONE FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NORWICH COMMERCIAL GROUP, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| 254900IRE136HFEI2562 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| US MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Foundry Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manasquan Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 192 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.