Home purchase lenders in Cape May County
2,192 home purchase mortgages were made in Cape May County, New Jersey, in 2025, by 273 lenders. The median rate their borrowers got was 6.625% on a median loan of $495,000. Of 2,508 decisions, 250 were denials — 10.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Loandepot.Com, LLC | 108 | 6.750% | $385,000 | 2.7% |
| Citizens Bank, National Association | 89 | 6.375% | $805,000 | 13.5% |
| U.S. Bank National Association | 88 | 6.000% | $805,000 | 6.3% |
| GUARANTEED RATE, INC. | 87 | 6.750% | $545,000 | 3.3% |
| Prosperity Home Mortgage, LLC | 87 | 6.625% | $575,000 | 2.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 83 | 7.000% | $455,000 | 2.3% |
| Sturdy Savings Bank | 77 | Not published | $305,000 | 4.8% |
| OceanFirst Bank, National Association | 77 | 6.625% | $505,000 | 2.3% |
| PHILADELPHIA FEDERAL CREDIT UNION | 76 | 6.250% | $335,000 | 10.5% |
| Rocket Mortgage, LLC | 67 | 6.990% | $375,000 | 12.8% |
| CMG MORTGAGE, INC. | 57 | 6.875% | $385,000 | 7.8% |
| Wells Fargo Bank, National Association | 53 | 6.125% | $975,000 | 7.0% |
| TD Bank, National Association | 49 | 5.875% | $975,000 | 12.5% |
| Crest Savings Bank | 46 | Not published | $465,000 | 3.9% |
| NVR Mortgage Finance, Inc. | 44 | 6.625% | $400,000 | 12.0% |
| Bank of America, National Association | 36 | 5.763% | $940,000 | 18.2% |
| First Savings and Loan Company | 35 | Not published | $585,000 | 2.8% |
| Wilmington Savings Fund Society, FSB | 34 | 6.500% | $600,000 | 2.9% |
| PENNYMAC LOAN SERVICES, LLC | 33 | 6.625% | $665,000 | 5.7% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 31 | 6.875% | $415,000 | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 30 | 6.933% | $365,000 | 0.0% |
| Valley National Bank | 29 | 6.375% | $885,000 | 3.2% |
| DHI MORTGAGE COMPANY, LTD. | 27 | 6.500% | $455,000 | 6.7% |
| Manufacturers and Traders Trust Company | 27 | 5.875% | $805,000 | 3.6% |
| Morgan Stanley Private Bank, National Association | 24 | 5.850% | $1,120,000 | 0.0% |
| Advisors Mortgage Group, L.L.C. | 23 | 6.750% | $455,000 | 4.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 20 | 6.875% | $450,000 | 25.9% |
| JPMorgan Chase Bank, National Association | 20 | 6.375% | $855,000 | 13.0% |
| PNC Bank, National Association | 20 | 6.438% | $880,000 | 20.0% |
| MOVEMENT MORTGAGE, LLC | 20 | 6.750% | $490,000 | 12.0% |
| Loan Funder LLC | 18 | 10.500% | $660,000 | 0.0% |
| Fulton Bank, National Association | 17 | 6.625% | $875,000 | 10.0% |
| EMM LOANS LLC | 17 | 6.875% | $485,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 17 | 9.750% | $405,000 | 0.0% |
| 21st Mortgage Corporation | 15 | 9.680% | $125,000 | 55.9% |
| Navy Federal Credit Union | 14 | 6.375% | $335,000 | 6.7% |
| NATION ONE MORTGAGE CORPORATION | 13 | 6.625% | $355,000 | 13.3% |
| 1st Colonial Community Bank | 13 | 6.990% | $365,000 | 7.1% |
| Presidential Bank, FSB | 13 | 6.750% | $425,000 | 7.1% |
| KIND LENDING, LLC | 12 | 6.990% | $295,000 | 33.3% |
| Mortgage Research Center, LLC | 11 | 6.250% | $375,000 | 21.4% |
| NFM, INC. | 11 | 6.750% | $655,000 | 0.0% |
| Citibank, National Association | 11 | 5.875% | $925,000 | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 10 | 6.875% | $340,000 | 9.1% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.933% | $340,000 | 9.1% |
| NEWREZ LLC | 10 | 7.375% | $620,000 | 23.1% |
| Kiavi Funding, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Broker Solutions, Inc. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| POLICE & FIRE | 8 | Under 10 loans | Under 10 loans | 20.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Charles Schwab Bank, SSB | 8 | Under 10 loans | Under 10 loans | 11.1% |
| LENDINGONE, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ALLIED MORTGAGE GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Firstrust Savings Bank | 7 | Under 10 loans | Under 10 loans | 20.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| CITADEL FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Acre Mortgage & Financial, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 25.0% |
| MERIDIAN BANK | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Elmer | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Millville Savings Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Penn Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 51.8% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 4 | Under 10 loans | Under 10 loans | 72.2% |
| UBS Bank USA | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Mortgage America, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 28.6% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| FIRST COLONY MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Haddon Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Franklin Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN MINT | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sharon Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Hyperion Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TAMMAC HOLDINGS CORPORATION | 2 | Under 10 loans | Under 10 loans | 12.5% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JERSEY SHORE | 2 | Under 10 loans | Under 10 loans | 60.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| Luminate Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Century Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Mid Penn Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Columbia Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 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% |
| LIMA ONE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Tompkins Community Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Pennsville National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| North American Savings Bank, F.S.B. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FREEDOM MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ballston Spa National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The First National Bank of Absecon | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manasquan Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDING CAPITAL GROUP Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Sun East Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST HERITAGE FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Fidelity Deposit and Discount Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Orrstown Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Newfield National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Victory Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 33.3% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| RELIANT HOME FUNDING, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Diamond Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Philadelphia Mortgage Advisors, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bogota Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quaint Oak Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Spencer Savings Bank, SLA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sunflower Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Iron Workers Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DELMAR FINANCIAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ACNB Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Amboy Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 1 | 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 73 lenders each made 1 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.