Mortgage lenders in Cape May County
4,121 mortgages were made in Cape May County, New Jersey, in 2025, by 370 lenders. The median rate their borrowers got was 6.750% on a median loan of $375,000. Of 5,359 decisions, 1,046 were denials — 19.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 242 | 6.990% | $285,000 | 15.5% |
| Citizens Bank, National Association | 241 | 6.900% | $485,000 | 30.3% |
| TD Bank, National Association | 165 | 7.340% | $305,000 | 21.6% |
| Loandepot.Com, LLC | 146 | 6.750% | $340,000 | 14.0% |
| OceanFirst Bank, National Association | 131 | 6.875% | $365,000 | 11.0% |
| Sturdy Savings Bank | 120 | Not published | $280,000 | 4.7% |
| POLICE & FIRE | 116 | 6.240% | $115,000 | 33.7% |
| U.S. Bank National Association | 116 | 6.125% | $725,000 | 11.3% |
| GUARANTEED RATE, INC. | 110 | 6.813% | $545,000 | 5.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 108 | 6.995% | $455,000 | 6.7% |
| PNC Bank, National Association | 102 | 7.480% | $245,000 | 33.8% |
| Prosperity Home Mortgage, LLC | 99 | 6.625% | $555,000 | 2.9% |
| PHILADELPHIA FEDERAL CREDIT UNION | 97 | 6.375% | $335,000 | 14.5% |
| Bank of America, National Association | 85 | 5.990% | $285,000 | 42.2% |
| CMG MORTGAGE, INC. | 77 | 6.875% | $475,000 | 10.0% |
| Wilmington Savings Fund Society, FSB | 70 | 6.625% | $550,000 | 9.0% |
| Wells Fargo Bank, National Association | 68 | 6.125% | $940,000 | 11.7% |
| Crest Savings Bank | 68 | Not published | $310,000 | 5.3% |
| PENNYMAC LOAN SERVICES, LLC | 64 | 6.625% | $370,000 | 15.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 49 | 6.624% | $445,000 | 23.1% |
| First Savings and Loan Company | 45 | Not published | $505,000 | 8.2% |
| NVR Mortgage Finance, Inc. | 44 | 6.625% | $400,000 | 12.0% |
| Valley National Bank | 40 | 6.375% | $805,000 | 2.4% |
| Manufacturers and Traders Trust Company | 39 | 5.875% | $765,000 | 13.3% |
| TRUMARK FINANCIAL CREDIT UNION | 38 | 6.740% | $195,000 | 27.8% |
| Fulton Bank, National Association | 38 | 6.490% | $630,000 | 13.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 36 | 6.875% | $435,000 | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 35 | 6.875% | $355,000 | 0.0% |
| Advisors Mortgage Group, L.L.C. | 34 | 6.563% | $375,000 | 5.6% |
| NEWREZ LLC | 32 | 7.250% | $315,000 | 44.8% |
| Navy Federal Credit Union | 32 | 7.375% | $255,000 | 28.6% |
| JPMorgan Chase Bank, National Association | 31 | 6.500% | $675,000 | 18.0% |
| MOVEMENT MORTGAGE, LLC | 30 | 6.750% | $435,000 | 17.5% |
| JERSEY SHORE | 30 | Not published | $60,000 | 20.0% |
| DHI MORTGAGE COMPANY, LTD. | 27 | 6.500% | $455,000 | 6.7% |
| 1st Colonial Community Bank | 27 | 7.250% | $305,000 | 3.6% |
| Morgan Stanley Private Bank, National Association | 26 | 5.850% | $960,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 24 | 8.313% | $100,000 | 11.1% |
| AMERICAN HERITAGE FCU | 21 | 6.490% | $125,000 | 34.4% |
| NATION ONE MORTGAGE CORPORATION | 21 | 6.625% | $325,000 | 8.7% |
| Loan Funder LLC | 20 | 10.500% | $835,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 20 | 9.750% | $410,000 | 0.0% |
| Broker Solutions, Inc. | 19 | 7.000% | $205,000 | 17.4% |
| CITADEL FEDERAL CREDIT UNION | 19 | 3.990% | $405,000 | 16.0% |
| EMM LOANS LLC | 18 | 6.933% | $460,000 | 0.0% |
| Citibank, National Association | 18 | 6.000% | $960,000 | 0.0% |
| KIND LENDING, LLC | 17 | 6.990% | $345,000 | 32.0% |
| 21st Mortgage Corporation | 16 | 9.710% | $120,000 | 55.6% |
| SPRING EQ, LLC | 16 | 8.362% | $160,000 | 60.0% |
| AmeriSave Mortgage Corporation | 16 | 8.688% | $110,000 | 51.3% |
| LENDINGONE, LLC | 15 | 9.490% | $1,015,000 | 31.8% |
| FREEDOM MORTGAGE CORPORATION | 15 | 6.250% | $405,000 | 25.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 15 | 9.040% | $255,000 | 11.8% |
| Mortgage Research Center, LLC | 14 | 6.188% | $395,000 | 30.0% |
| FIGURE LENDING LLC | 14 | 10.038% | $50,000 | 32.4% |
| Paramount Residential Mortgage Group, Inc. | 14 | 6.875% | $405,000 | 12.5% |
| NFM, INC. | 14 | 6.625% | $670,000 | 0.0% |
| Presidential Bank, FSB | 14 | 6.813% | $410,000 | 6.7% |
| Charles Schwab Bank, SSB | 14 | 5.500% | $1,175,000 | 6.7% |
| ALLIED MORTGAGE GROUP, INC. | 13 | 6.750% | $385,000 | 11.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 13 | 6.875% | $395,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 12 | 6.990% | $265,000 | 13.3% |
| Firstrust Savings Bank | 12 | 6.688% | $570,000 | 22.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.250% | $585,000 | 14.3% |
| BETTER MORTGAGE CORPORATION | 11 | 8.875% | $235,000 | 31.3% |
| FINANCE OF AMERICA REVERSE LLC | 11 | 9.240% | $455,000 | 21.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 11 | 7.249% | $605,000 | 0.0% |
| BHCU | 11 | 6.590% | $475,000 | 0.0% |
| Kiavi Funding, Inc. | 10 | 9.100% | $480,000 | 9.1% |
| LIMA ONE CAPITAL, LLC | 10 | 7.017% | $280,000 | 33.3% |
| Univest Bank and Trust Co. | 10 | 7.500% | $190,000 | 23.1% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.688% | $440,000 | 0.0% |
| UBS Bank USA | 10 | 5.813% | $1,035,000 | 16.7% |
| ABCO Federal Credit Union | 10 | 7.125% | $75,000 | 23.1% |
| UNION HOME MORTGAGE CORP. | 10 | 6.875% | $345,000 | 16.7% |
| LOWER, LLC | 10 | 6.813% | $355,000 | 9.1% |
| FRANKLIN MINT | 10 | 5.433% | $375,000 | 0.0% |
| Truist Bank | 9 | Under 10 loans | Under 10 loans | 60.7% |
| Franklin Bank | 9 | Under 10 loans | Under 10 loans | 35.7% |
| NATIONS DIRECT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Penn Community Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 33.3% |
| MERIDIAN BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CHAMPIONS FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LONGBRIDGE FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Elmer | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Millville Savings Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Raymond James Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 35.7% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 27.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Webster Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Acre Mortgage & Financial, Inc. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST HARVEST Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 45.5% |
| Mid Penn Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Third Federal Savings and Loan Association of Cleveland | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Luminate Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| TOWER Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 40.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 22.2% |
| Columbia Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Northfield Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Newfield National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 51.8% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 75.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 4 | Under 10 loans | Under 10 loans | 72.2% |
| Commerce Home Mortgage, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| S&T Bank | 4 | Under 10 loans | Under 10 loans | 60.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 42.9% |
| State Financial Network, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sun East Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Haddon Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 9845001ADACA7A75EE02 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage America, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sharon Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEW JERSEY LAW AND PUBLIC SAFETY CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 91.4% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 14.3% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| The First National Bank of Absecon | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Pennsville National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Deposit and Discount Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Phoenixville Federal Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hyperion Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Victory Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 12.5% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Century Savings Bank | 2 | Under 10 loans | Under 10 loans | 71.4% |
| QUORUM FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 57.1% |
| Axos Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Provident Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Valon Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Equitable Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NQM FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Municipal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tompkins Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BNY Mellon, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 2 | 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 170 lenders each made 2 or fewer mortgages here, and are counted in the totals above.
Bank branches in Cape May County
40 FDIC-insured branches from 11 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Sturdy Savings Bank | 12 | $975.6 million |
| Crest Savings Bank | 8 | $516.9 million |
| TD Bank, National Association | 4 | $815.2 million |
| PNC Bank, National Association | 4 | $441.2 million |
| OceanFirst Bank, National Association | 3 | $630.7 million |
| 1st Bank of Sea Isle City | 3 | $251.2 million |
| Bank of America, National Association | 2 | $247.3 million |
| Wells Fargo Bank, National Association | 1 | $98.4 million |
| Univest Bank and Trust Co. | 1 | $68.3 million |
| Franklin Bank | 1 | $27.2 million |
| JPMorgan Chase Bank, National Association | 1 | $14.4 million |
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When the next year’s lending figures are out for Cape May County, or a lender arrives or leaves.
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.