Home purchase lenders in Essex County
5,313 home purchase mortgages were made in Essex County, New Jersey, in 2025, by 384 lenders. The median rate their borrowers got was 6.500% on a median loan of $575,000. Of 6,464 decisions, 912 were denials — 14.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 365 | 6.688% | $575,000 | 6.6% |
| GUARANTEED RATE, INC. | 330 | 6.375% | $625,000 | 3.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 264 | 6.491% | $565,000 | 21.4% |
| JPMorgan Chase Bank, National Association | 194 | 6.375% | $595,000 | 8.9% |
| Rocket Mortgage, LLC | 145 | 6.500% | $515,000 | 17.9% |
| Bank of America, National Association | 140 | 5.625% | $700,000 | 25.1% |
| Paramount Residential Mortgage Group, Inc. | 136 | 6.500% | $595,000 | 9.9% |
| Loan Funder LLC | 133 | 10.490% | $515,000 | 12.5% |
| TD Bank, National Association | 123 | 6.000% | $955,000 | 15.0% |
| MOVEMENT MORTGAGE, LLC | 123 | 6.500% | $455,000 | 10.0% |
| Luminate Bank | 115 | 6.375% | $575,000 | 2.5% |
| Loandepot.Com, LLC | 112 | 6.575% | $585,000 | 10.2% |
| NJ LENDERS CORP. | 92 | 6.625% | $615,000 | 4.0% |
| Citizens Bank, National Association | 86 | 6.500% | $655,000 | 32.8% |
| CMG MORTGAGE, INC. | 80 | 6.625% | $480,000 | 14.4% |
| Wells Fargo Bank, National Association | 69 | 5.750% | $845,000 | 16.9% |
| Provident Bank | 69 | 5.750% | $525,000 | 7.9% |
| Citibank, National Association | 68 | 5.875% | $995,000 | 11.5% |
| U.S. Bank National Association | 65 | 6.375% | $725,000 | 13.9% |
| EMBRACE HOME LOANS, INC. | 65 | 6.500% | $685,000 | 2.8% |
| Valley National Bank | 63 | 5.750% | $525,000 | 13.9% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 56 | 6.625% | $545,000 | 9.7% |
| Kiavi Funding, Inc. | 56 | 10.250% | $495,000 | 4.9% |
| GUARANTEED RATE AFFINITY, LLC | 55 | 6.475% | $615,000 | 6.8% |
| Manufacturers and Traders Trust Company | 54 | 5.750% | $665,000 | 26.7% |
| Broker Solutions, Inc. | 52 | 6.750% | $580,000 | 15.9% |
| Morgan Stanley Private Bank, National Association | 50 | 5.850% | $920,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 48 | 7.625% | $565,000 | 22.6% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 44 | 6.750% | $510,000 | 12.7% |
| Fairway Independent Mortgage Corporation | 44 | 6.875% | $540,000 | 6.3% |
| CONSTRUCTIVE LOANS, LLC | 41 | 7.285% | $595,000 | 2.3% |
| PENNYMAC LOAN SERVICES, LLC | 40 | 6.612% | $635,000 | 28.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 38 | 6.688% | $585,000 | 4.9% |
| KIND LENDING, LLC | 37 | 6.625% | $565,000 | 39.3% |
| Municipal Credit Union | 37 | 5.625% | $1,005,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 36 | 6.500% | $495,000 | 5.9% |
| UNION HOME MORTGAGE CORP. | 35 | 6.500% | $585,000 | 7.3% |
| Columbia Bank | 34 | 6.313% | $655,000 | 14.0% |
| Cornerstone First Mortgage, Inc | 34 | 6.750% | $610,000 | 7.7% |
| NEWREZ LLC | 33 | 6.625% | $575,000 | 19.1% |
| THE LOAN STORE, INC. | 33 | 6.625% | $485,000 | 7.5% |
| BOND STREET MORTGAGE, LLC | 32 | 6.688% | $550,000 | 3.0% |
| Commerce Home Mortgage, Inc. | 30 | 7.500% | $515,000 | 9.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 30 | 6.125% | $625,000 | 31.8% |
| Kearny Bank | 29 | 6.250% | $585,000 | 3.2% |
| Mortgage Research Center, LLC | 28 | 6.125% | $560,000 | 19.4% |
| BPL MORTGAGE TRUST, LLC | 26 | 7.395% | $555,000 | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 26 | 6.625% | $535,000 | 10.3% |
| Prosperity Home Mortgage, LLC | 25 | 6.750% | $615,000 | 3.9% |
| Emporium TPO LLC | 25 | 7.250% | $615,000 | 15.6% |
| MLB RESIDENTIAL LENDING, LLC | 24 | 6.625% | $480,000 | 22.2% |
| PANORAMA MORTGAGE GROUP, LLC | 24 | 6.563% | $585,000 | 11.1% |
| PNC Bank, National Association | 22 | 6.438% | $475,000 | 31.3% |
| ICE LENDER HOLDINGS LLC | 21 | 8.125% | $465,000 | 40.0% |
| UNITED MORTGAGE CORP. | 21 | 6.875% | $605,000 | 17.7% |
| OCMBC, INC. | 20 | 6.750% | $580,000 | 11.4% |
| Unity Bank | 20 | 6.875% | $560,000 | 0.0% |
| Navy Federal Credit Union | 19 | 6.000% | $515,000 | 24.0% |
| MORTGAGE ACCESS CORP. | 19 | 6.750% | $515,000 | 13.6% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 19 | 6.625% | $575,000 | 20.8% |
| A&D Mortgage LLC | 19 | 6.750% | $475,000 | 17.4% |
| United Nations Federal Credit Union | 19 | 5.625% | $805,000 | 13.6% |
| AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.250% | $545,000 | 5.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 18 | 11.000% | $1,495,000 | 5.3% |
| Logan Finance Corporation | 18 | 7.249% | $580,000 | 5.0% |
| MLD MORTGAGE INC. | 18 | 6.688% | $530,000 | 17.4% |
| Webster Bank, National Association | 18 | 6.250% | $1,005,000 | 4.8% |
| PINNACLE MORTGAGE, INC. | 18 | 6.495% | $480,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 17 | 6.625% | $505,000 | 26.1% |
| GENEVA FINANCIAL, LLC | 17 | 6.875% | $445,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 17 | 9.880% | $565,000 | 5.6% |
| Charles Schwab Bank, SSB | 17 | 5.675% | $825,000 | 0.0% |
| Tomo Mortgage, LLC | 16 | 6.375% | $615,000 | 11.1% |
| Equity Prime Mortgage LLC | 16 | 6.688% | $580,000 | 27.3% |
| NORWICH COMMERCIAL GROUP, INC. | 16 | 6.625% | $590,000 | 20.0% |
| Citadel Servicing Corporation | 15 | 7.875% | $485,000 | 0.0% |
| HARBORONE MORTGAGE, LLC | 15 | 6.250% | $705,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 14 | 6.625% | $490,000 | 19.2% |
| EAST COAST CAPITAL CORP. | 14 | 6.500% | $600,000 | 6.7% |
| UBS Bank USA | 14 | 5.875% | $780,000 | 6.7% |
| BETTER MORTGAGE CORPORATION | 13 | 6.500% | $745,000 | 12.5% |
| The Federal Savings Bank | 13 | 6.500% | $585,000 | 22.2% |
| SOFI BANK, NATIONAL ASSOCIATION | 13 | 6.125% | $625,000 | 0.0% |
| Advisors Mortgage Group, L.L.C. | 13 | 6.625% | $575,000 | 6.7% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 13 | 6.750% | $495,000 | 7.1% |
| OceanFirst Bank, National Association | 13 | 6.500% | $495,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 13 | 7.875% | $505,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 12 | 6.250% | $630,000 | 14.3% |
| EMM LOANS LLC | 12 | 6.688% | $655,000 | 7.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 11 | 10.240% | $435,000 | 14.3% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 11 | 6.375% | $705,000 | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 11 | 6.500% | $435,000 | 20.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 10 | 6.041% | $975,000 | 16.7% |
| CONTOUR MORTGAGE CORPORATION | 10 | 6.563% | $595,000 | 9.1% |
| CLIFFCO, INC. | 10 | 6.562% | $475,000 | 16.7% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.688% | $555,000 | 18.8% |
| Fulton Bank, National Association | 10 | 6.688% | $810,000 | 9.1% |
| Spencer Savings Bank, SLA | 9 | Under 10 loans | Under 10 loans | 10.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| BAYSHORE MORTGAGE FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| FM Home Loans, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| JET DIRECT FUNDING CORP | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Gateway First Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 36.4% |
| AFFINITY | 7 | Under 10 loans | Under 10 loans | 27.3% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 50.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Brighton Bank | 7 | Under 10 loans | Under 10 loans | 18.2% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 10.0% |
| Somerset Regal Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| KWIK MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NATION ONE MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lusitania Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| NBKC BANK | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KEYSTONE FUNDING, INC. | 6 | Under 10 loans | Under 10 loans | 15.4% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| US MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 5 | Under 10 loans | Under 10 loans | 66.7% |
| Hometown Equity Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 68.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 5 | Under 10 loans | Under 10 loans | 12.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 54.6% |
| MILLENIUM HOME MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NEXERA HOLDING LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Magyar Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Habib American Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 4 | Under 10 loans | Under 10 loans | 68.8% |
| NQM FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 40.0% |
| STG MORTGAGE INC | 4 | Under 10 loans | Under 10 loans | 37.5% |
| Bethpage Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Filo Mortgage, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| 1ST PRIORITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Skyrock Mortgage Corp | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ConnectOne Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| WARSHAW CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET MANAGEMENT GROUP, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Manasquan Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| NFM, INC. | 3 | Under 10 loans | Under 10 loans | 20.0% |
| CARNEGIE MORTGAGE PARTNERS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 33.3% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| TOTAL MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Metro City Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TRUMARK FINANCIAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Princeton Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 71.4% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| 254900T8N4RLS6G3BF64 | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Sierra Pacific Mortgage Company, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYPORT FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 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 184 lenders each made 2 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.