Mortgage lenders in Essex County
11,644 mortgages were made in Essex County, New Jersey, in 2025, by 501 lenders. The median rate their borrowers got was 6.750% on a median loan of $465,000. Of 16,874 decisions, 4,413 were denials — 26.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 586 | 6.750% | $315,000 | 22.7% |
| Citizens Bank, National Association | 569 | 7.400% | $235,000 | 35.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 543 | 6.750% | $535,000 | 10.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 530 | 6.375% | $495,000 | 27.2% |
| GUARANTEED RATE, INC. | 458 | 6.375% | $605,000 | 6.5% |
| TD Bank, National Association | 386 | 7.190% | $405,000 | 33.0% |
| Bank of America, National Association | 362 | 5.990% | $305,000 | 46.5% |
| JPMorgan Chase Bank, National Association | 311 | 6.375% | $545,000 | 13.2% |
| Loandepot.Com, LLC | 251 | 6.625% | $425,000 | 22.3% |
| PNC Bank, National Association | 245 | 7.750% | $155,000 | 45.1% |
| Valley National Bank | 202 | 6.490% | $255,000 | 26.3% |
| Loan Funder LLC | 174 | 10.250% | $515,000 | 13.9% |
| Paramount Residential Mortgage Group, Inc. | 172 | 6.500% | $570,000 | 8.0% |
| Manufacturers and Traders Trust Company | 171 | 5.990% | $355,000 | 39.7% |
| MOVEMENT MORTGAGE, LLC | 160 | 6.500% | $445,000 | 12.8% |
| PENNYMAC LOAN SERVICES, LLC | 151 | 6.624% | $455,000 | 26.2% |
| Luminate Bank | 148 | 6.250% | $565,000 | 3.9% |
| CHAMPIONS FUNDING, LLC | 135 | 7.625% | $575,000 | 20.6% |
| Provident Bank | 134 | 6.388% | $435,000 | 28.7% |
| NEWREZ LLC | 129 | 6.750% | $415,000 | 49.0% |
| CONSTRUCTIVE LOANS, LLC | 129 | 6.875% | $605,000 | 0.7% |
| U.S. Bank National Association | 123 | 6.490% | $565,000 | 34.0% |
| Wells Fargo Bank, National Association | 122 | 5.875% | $675,000 | 21.3% |
| CMG MORTGAGE, INC. | 105 | 6.563% | $485,000 | 14.6% |
| NJ LENDERS CORP. | 104 | 6.625% | $615,000 | 6.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 104 | 9.910% | $210,000 | 20.3% |
| Citibank, National Association | 103 | 5.875% | $945,000 | 22.8% |
| Broker Solutions, Inc. | 96 | 6.875% | $445,000 | 24.2% |
| NATIONSTAR MORTGAGE LLC | 91 | 8.000% | $155,000 | 27.9% |
| Emporium TPO LLC | 90 | 7.375% | $595,000 | 10.1% |
| FREEDOM MORTGAGE CORPORATION | 86 | 6.250% | $495,000 | 26.7% |
| Navy Federal Credit Union | 83 | 8.350% | $145,000 | 48.8% |
| BPL MORTGAGE TRUST, LLC | 81 | 7.500% | $565,000 | 18.1% |
| THE LOAN STORE, INC. | 81 | 7.125% | $465,000 | 7.6% |
| EMBRACE HOME LOANS, INC. | 80 | 6.375% | $690,000 | 2.3% |
| SPRING EQ, LLC | 78 | 9.163% | $105,000 | 70.0% |
| GUARANTEED RATE AFFINITY, LLC | 76 | 6.463% | $615,000 | 8.3% |
| FIGURE LENDING LLC | 71 | 9.350% | $105,000 | 37.2% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 68 | 6.625% | $530,000 | 8.1% |
| Kiavi Funding, Inc. | 67 | 10.250% | $495,000 | 6.8% |
| Municipal Credit Union | 66 | 5.750% | $905,000 | 22.1% |
| PROPONENT Federal Credit Union | 66 | 7.000% | $105,000 | 18.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 65 | 6.750% | $485,000 | 8.8% |
| Columbia Bank | 64 | 6.375% | $460,000 | 28.3% |
| ABL RPC Residential Credit Acquisition LLC | 63 | 11.250% | $555,000 | 13.6% |
| Morgan Stanley Private Bank, National Association | 63 | 5.900% | $835,000 | 3.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 62 | 6.750% | $475,000 | 4.6% |
| AFFINITY | 61 | 4.900% | $155,000 | 47.9% |
| AmeriSave Mortgage Corporation | 60 | 8.188% | $145,000 | 62.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 59 | 7.625% | $155,000 | 21.8% |
| Commerce Home Mortgage, Inc. | 58 | 7.438% | $500,000 | 15.9% |
| Logan Finance Corporation | 57 | 7.374% | $555,000 | 22.7% |
| FIRST COLONY MORTGAGE CORPORATION | 57 | 6.500% | $495,000 | 7.6% |
| Fairway Independent Mortgage Corporation | 56 | 6.875% | $530,000 | 17.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 56 | 10.553% | $430,000 | 3.4% |
| KIND LENDING, LLC | 53 | 6.875% | $505,000 | 39.8% |
| UNION HOME MORTGAGE CORP. | 52 | 6.375% | $565,000 | 6.7% |
| Coastal Community Bank | 51 | 9.990% | $75,000 | 1.2% |
| ICE LENDER HOLDINGS LLC | 50 | 7.313% | $505,000 | 33.3% |
| BETTER MORTGAGE CORPORATION | 48 | 8.000% | $260,000 | 40.7% |
| Third Federal Savings and Loan Association of Cleveland | 47 | 6.990% | $175,000 | 45.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 45 | 6.250% | $435,000 | 31.3% |
| Visions Federal Credit Union | 45 | 7.250% | $205,000 | 33.8% |
| Cornerstone First Mortgage, Inc | 44 | 6.750% | $535,000 | 8.0% |
| Bethpage Federal Credit Union | 43 | 6.990% | $255,000 | 38.6% |
| BOND STREET MORTGAGE, LLC | 42 | 6.688% | $550,000 | 2.3% |
| Hometown Equity Mortgage, LLC | 38 | 7.438% | $585,000 | 50.6% |
| QUORUM FEDERAL CREDIT UNION | 37 | 9.125% | $205,000 | 30.5% |
| MLD MORTGAGE INC. | 37 | 6.750% | $505,000 | 9.1% |
| AMERICAN FINANCIAL NETWORK, INC. | 35 | 7.249% | $535,000 | 18.6% |
| MLB RESIDENTIAL LENDING, LLC | 35 | 6.750% | $425,000 | 20.4% |
| Kearny Bank | 35 | 6.250% | $585,000 | 5.3% |
| Citadel Servicing Corporation | 34 | 7.813% | $455,000 | 1.7% |
| A&D Mortgage LLC | 32 | 6.933% | $475,000 | 18.0% |
| Mortgage Research Center, LLC | 31 | 6.125% | $565,000 | 31.9% |
| UNITED MORTGAGE CORP. | 29 | 6.875% | $575,000 | 12.5% |
| LAKEVIEW LOAN SERVICING, LLC | 28 | 6.495% | $450,000 | 63.6% |
| Spencer Savings Bank, SLA | 28 | Not published | $255,000 | 19.4% |
| Prosperity Home Mortgage, LLC | 28 | 6.625% | $630,000 | 6.7% |
| OCMBC, INC. | 27 | 6.750% | $525,000 | 18.4% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 27 | 6.750% | $575,000 | 15.6% |
| United Nations Federal Credit Union | 27 | 5.625% | $885,000 | 10.0% |
| Fulton Bank, National Association | 26 | 6.490% | $640,000 | 25.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 26 | 9.750% | $660,000 | 3.7% |
| Unity Bank | 26 | 7.000% | $440,000 | 3.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 25 | 6.625% | $405,000 | 59.6% |
| GENEVA FINANCIAL, LLC | 25 | 6.875% | $425,000 | 0.0% |
| OceanFirst Bank, National Association | 25 | 5.875% | $405,000 | 0.0% |
| Charles Schwab Bank, SSB | 25 | 5.750% | $875,000 | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 24 | 6.563% | $585,000 | 11.1% |
| PLAZA HOME MORTGAGE, INC. | 24 | 6.750% | $475,000 | 33.3% |
| PENTAGON FEDERAL CREDIT UNION | 23 | 7.625% | $205,000 | 62.9% |
| BAYSHORE MORTGAGE FUNDING, LLC | 23 | 7.250% | $575,000 | 3.9% |
| HOMEXPRESS MORTGAGE CORP. | 23 | 7.250% | $565,000 | 41.0% |
| NORWICH COMMERCIAL GROUP, INC. | 23 | 6.750% | $565,000 | 23.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 22 | 6.188% | $545,000 | 11.5% |
| Webster Bank, National Association | 22 | 6.250% | $1,005,000 | 13.8% |
| FM Home Loans, LLC | 22 | 6.875% | $500,000 | 0.0% |
| PINNACLE MORTGAGE, INC. | 22 | 6.433% | $480,000 | 0.0% |
| Discover Bank | 21 | 8.240% | $105,000 | 81.0% |
| AMWEST FUNDING CORP. | 21 | 6.250% | $515,000 | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 21 | 5.949% | $465,000 | 25.7% |
| AMERICAN HERITAGE LENDING, LLC | 21 | 7.250% | $575,000 | 6.5% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 21 | 11.000% | $1,355,000 | 8.7% |
| EAST COAST CAPITAL CORP. | 21 | 6.625% | $555,000 | 4.6% |
| Lendage, LLC | 21 | 11.750% | $95,000 | 18.5% |
| Equity Prime Mortgage LLC | 20 | 6.750% | $570,000 | 31.0% |
| Advisors Mortgage Group, L.L.C. | 20 | 6.870% | $575,000 | 12.5% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 20 | 5.990% | $850,000 | 13.0% |
| CLIFFCO, INC. | 20 | 7.183% | $505,000 | 9.1% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 20 | 6.813% | $465,000 | 4.8% |
| MORTGAGE ACCESS CORP. | 19 | 6.750% | $515,000 | 13.6% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 18 | 6.375% | $685,000 | 10.0% |
| FINANCE OF AMERICA REVERSE LLC | 18 | 6.500% | $280,000 | 13.6% |
| TOWER Federal Credit Union | 18 | 7.000% | $260,000 | 13.6% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 18 | 7.688% | $445,000 | 0.0% |
| The Federal Savings Bank | 17 | 6.500% | $575,000 | 25.0% |
| ALLIANT CREDIT UNION | 17 | 8.000% | $255,000 | 62.2% |
| DEEPHAVEN MORTGAGE LLC | 17 | 7.500% | $455,000 | 45.2% |
| USALLIANCE FEDERAL CREDIT UNION | 17 | 7.750% | $325,000 | 19.1% |
| HARBORONE MORTGAGE, LLC | 17 | 6.250% | $725,000 | 0.0% |
| Tomo Mortgage, LLC | 16 | 6.375% | $615,000 | 11.1% |
| LOWER, LLC | 16 | 6.250% | $475,000 | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 16 | 6.060% | $530,000 | 9.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 16 | 6.625% | $430,000 | 20.0% |
| NATIONS DIRECT MORTGAGE, LLC | 16 | 6.375% | $545,000 | 27.3% |
| PHH Mortgage Corporation | 15 | 5.990% | $495,000 | 25.0% |
| ALLIED MORTGAGE GROUP, INC. | 15 | 6.375% | $425,000 | 32.0% |
| Somerset Regal Bank | 15 | Not published | $575,000 | 5.9% |
| Lusitania Savings Bank | 15 | Not published | $435,000 | 5.9% |
| UBS Bank USA | 15 | 5.875% | $805,000 | 6.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 14 | 6.937% | $490,000 | 6.7% |
| Northfield Bank | 14 | Not published | $400,000 | 21.1% |
| EMM LOANS LLC | 14 | 6.563% | $640,000 | 6.3% |
| ARC HOME LLC | 14 | 7.250% | $400,000 | 6.7% |
| KWIK MORTGAGE CORPORATION | 13 | 6.625% | $715,000 | 0.0% |
| North Jersey Federal Credit Union | 13 | 6.750% | $105,000 | 31.6% |
| General Mortgage Capital Corporation | 13 | 6.250% | $505,000 | 13.3% |
| Flagstar Bank, N.A. | 12 | 6.250% | $305,000 | 58.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.563% | $605,000 | 18.8% |
| JET DIRECT FUNDING CORP | 12 | 6.990% | $430,000 | 7.7% |
| 984500RF83EA742B5589 | 12 | 6.230% | $535,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 11 | 6.250% | $465,000 | 30.3% |
| NEXERA HOLDING LLC | 11 | 7.375% | $375,000 | 8.3% |
| NBKC BANK | 11 | 5.990% | $505,000 | 21.4% |
| CONTOUR MORTGAGE CORPORATION | 11 | 6.625% | $585,000 | 8.3% |
| Peapack-Gladstone Bank | 11 | Not published | $495,000 | 0.0% |
| Manasquan Bank | 11 | 6.625% | $735,000 | 0.0% |
| LENDINGONE, LLC | 10 | 9.740% | $505,000 | 60.0% |
| Truist Bank | 10 | 6.295% | $215,000 | 66.7% |
| 254900M2C4Q6DATP2889 | 10 | 6.313% | $305,000 | 23.1% |
| Northpointe Bank | 10 | 6.563% | $655,000 | 23.1% |
| NQM FUNDING, LLC | 10 | 7.624% | $580,000 | 33.3% |
| RESICENTRAL, LLC | 10 | 6.750% | $620,000 | 7.7% |
| 98450058D88OE4463626 | 10 | 5.800% | $495,000 | 0.0% |
| Quontic Bank | 10 | 8.750% | $315,000 | 16.7% |
| Filo Mortgage, L.L.C. | 10 | 5.995% | $550,000 | 0.0% |
| PLANET HOME LENDING, LLC | 10 | 5.750% | $380,000 | 33.3% |
| JMAC LENDING, INC. | 10 | 6.688% | $620,000 | 9.1% |
| PICATINNY FEDERAL CREDIT UNION | 10 | 3.990% | $185,000 | 15.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.500% | $455,000 | 9.1% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Gateway First Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 13.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Habib American Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GARDEN SAVINGS FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 56.3% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| ARK MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | Under 10 loans | Under 10 loans | 36.4% |
| The Atlantic Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Brighton Bank | 7 | Under 10 loans | Under 10 loans | 18.2% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 7 | Under 10 loans | Under 10 loans | 8.3% |
| NATION ONE MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| XCEL FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 6 | Under 10 loans | Under 10 loans | 30.8% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| POLISH & SLAVIC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENDSURE MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Skyrock Mortgage Corp | 6 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Magyar Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Princeton Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST TECHNOLOGY FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ConnectOne Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| HEALTHCARE EMPLOYEES | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 11.1% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 64.3% |
| LUXURY MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 45.5% |
| STG MORTGAGE INC | 5 | Under 10 loans | Under 10 loans | 40.0% |
| American Airlines Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 46.7% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 301 lenders each made 5 or fewer mortgages here, and are counted in the totals above.
Bank branches in Essex County
187 FDIC-insured branches from 31 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Provident Bank, 222 Halsey St, Newark
- Santander Bank, N.A., 873 Broad St, Newark
- Wells Fargo Bank, National Association, 550 Broad St, Newark
Get told when this changes
When the next year’s lending figures are out for Essex 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.