Refinancing lenders in Essex County
2,072 refinancing mortgages were made in Essex County, New Jersey, in 2025, by 279 lenders. The median rate their borrowers got was 6.375% on a median loan of $515,000. Of 2,841 decisions, 623 were denials — 21.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 167 | 7.400% | $305,000 | 23.4% |
| TD Bank, National Association | 112 | 6.858% | $505,000 | 27.6% |
| Rocket Mortgage, LLC | 109 | 5.875% | $515,000 | 19.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 103 | 5.990% | $545,000 | 28.1% |
| PNC Bank, National Association | 97 | 7.750% | $205,000 | 35.5% |
| Bank of America, National Association | 73 | 5.990% | $255,000 | 40.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | 6.250% | $605,000 | 2.6% |
| CONSTRUCTIVE LOANS, LLC | 69 | 6.750% | $615,000 | 0.0% |
| GUARANTEED RATE, INC. | 63 | 6.000% | $755,000 | 1.6% |
| FREEDOM MORTGAGE CORPORATION | 47 | 6.250% | $535,000 | 8.1% |
| JPMorgan Chase Bank, National Association | 45 | 6.125% | $545,000 | 6.1% |
| Loandepot.Com, LLC | 44 | 6.125% | $575,000 | 13.2% |
| PENNYMAC LOAN SERVICES, LLC | 43 | 6.000% | $565,000 | 13.0% |
| Manufacturers and Traders Trust Company | 41 | 5.500% | $795,000 | 17.3% |
| CHAMPIONS FUNDING, LLC | 31 | 7.500% | $655,000 | 16.2% |
| NEWREZ LLC | 25 | 5.750% | $555,000 | 48.1% |
| Emporium TPO LLC | 24 | 7.500% | $620,000 | 13.2% |
| U.S. Bank National Association | 24 | 5.875% | $1,120,000 | 4.0% |
| BPL MORTGAGE TRUST, LLC | 23 | 7.750% | $595,000 | 20.0% |
| Luminate Bank | 23 | 5.875% | $525,000 | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 21 | 6.875% | $445,000 | 0.0% |
| PROPONENT Federal Credit Union | 21 | 7.000% | $125,000 | 18.5% |
| Paramount Residential Mortgage Group, Inc. | 19 | 6.250% | $555,000 | 0.0% |
| Wells Fargo Bank, National Association | 19 | 5.750% | $925,000 | 5.0% |
| Citibank, National Association | 18 | 5.375% | $1,235,000 | 5.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 17 | 5.875% | $435,000 | 15.0% |
| Third Federal Savings and Loan Association of Cleveland | 16 | 6.990% | $245,000 | 41.9% |
| NATIONSTAR MORTGAGE LLC | 16 | 5.995% | $355,000 | 29.2% |
| Columbia Bank | 14 | 6.775% | $255,000 | 11.1% |
| FM Home Loans, LLC | 13 | 6.990% | $545,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 13 | 5.750% | $525,000 | 0.0% |
| Municipal Credit Union | 13 | 5.375% | $1,035,000 | 13.3% |
| Provident Bank | 13 | 6.400% | $405,000 | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 12 | 6.375% | $375,000 | 0.0% |
| THE LOAN STORE, INC. | 12 | 7.120% | $535,000 | 10.5% |
| GUARANTEED RATE AFFINITY, LLC | 12 | 5.990% | $700,000 | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 12 | 6.375% | $340,000 | 13.3% |
| EMBRACE HOME LOANS, INC. | 12 | 5.938% | $690,000 | 0.0% |
| CMG MORTGAGE, INC. | 11 | 6.125% | $535,000 | 21.4% |
| MOVEMENT MORTGAGE, LLC | 11 | 5.990% | $675,000 | 16.7% |
| Kiavi Funding, Inc. | 11 | 7.500% | $555,000 | 15.4% |
| OceanFirst Bank, National Association | 11 | 5.625% | $405,000 | 0.0% |
| Bethpage Federal Credit Union | 11 | 6.990% | $255,000 | 8.3% |
| LAKEVIEW LOAN SERVICING, LLC | 10 | 5.990% | $610,000 | 63.5% |
| Logan Finance Corporation | 10 | 7.562% | $655,000 | 44.4% |
| SPRING EQ, LLC | 10 | 8.400% | $140,000 | 41.2% |
| BOND STREET MORTGAGE, LLC | 10 | 6.875% | $540,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 6.058% | $485,000 | 9.1% |
| ICE LENDER HOLDINGS LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 60.9% |
| VILLAGE CAPITAL & INVESTMENT LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 98450058D88OE4463626 | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 10.0% |
| MLD MORTGAGE INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Fulton Bank, National Association | 7 | Under 10 loans | Under 10 loans | 36.4% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NORWICH COMMERCIAL GROUP, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Northfield Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 30.0% |
| SOUTH RIVER MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Spencer Savings Bank, SLA | 6 | Under 10 loans | Under 10 loans | 33.3% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Filo Mortgage, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 75.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 33.3% |
| United Nations Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Manasquan Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Webster Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Advisors Mortgage Group, L.L.C. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Kearny Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Lusitania Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peapack-Gladstone Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Habib American Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 71.4% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| MLB RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| StanCorp Mortgage Investors, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ConnectOne Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Pennsylvania | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 88.9% |
| LADERA LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 80.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 80.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GARDEN SAVINGS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| State Department Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ion Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ascendia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Univest Bank and Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MID-ISLAND MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Skyrock Mortgage Corp | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Atlantic Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MortgageCountry, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 1 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bogota Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Foundry Bank | 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 79 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.