Mortgage lenders in Middlesex County
14,147 mortgages were made in Middlesex County, New Jersey, in 2025, by 505 lenders. The median rate their borrowers got was 6.625% on a median loan of $355,000. Of 19,881 decisions, 4,782 were denials — 24.1%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,281 | 6.625% | $325,000 | 16.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 1,057 | 6.374% | $465,000 | 13.2% |
| Citizens Bank, National Association | 652 | 7.400% | $205,000 | 31.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 516 | 6.625% | $425,000 | 10.1% |
| PNC Bank, National Association | 509 | 7.750% | $145,000 | 37.2% |
| Bank of America, National Association | 461 | 6.240% | $195,000 | 44.8% |
| TD Bank, National Association | 422 | 7.540% | $205,000 | 36.0% |
| OceanFirst Bank, National Association | 400 | 6.000% | $485,000 | 3.4% |
| Loandepot.Com, LLC | 311 | 7.125% | $235,000 | 20.4% |
| PENNYMAC LOAN SERVICES, LLC | 266 | 6.624% | $395,000 | 18.7% |
| JPMorgan Chase Bank, National Association | 250 | 6.308% | $370,000 | 15.2% |
| AFFINITY | 223 | 4.900% | $135,000 | 36.6% |
| Paramount Residential Mortgage Group, Inc. | 169 | 6.625% | $495,000 | 3.4% |
| CMG MORTGAGE, INC. | 165 | 6.625% | $435,000 | 10.4% |
| NEWREZ LLC | 155 | 7.500% | $165,000 | 46.0% |
| NATIONSTAR MORTGAGE LLC | 154 | 7.625% | $170,000 | 19.2% |
| Provident Bank | 150 | 7.000% | $150,000 | 31.5% |
| Amboy Bank | 149 | Not published | $105,000 | 17.2% |
| MOVEMENT MORTGAGE, LLC | 148 | 6.625% | $445,000 | 6.4% |
| GUARANTEED RATE, INC. | 137 | 6.450% | $415,000 | 13.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 131 | 6.625% | $435,000 | 2.9% |
| Advisors Mortgage Group, L.L.C. | 129 | 6.625% | $395,000 | 4.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 124 | 6.750% | $435,000 | 3.8% |
| Wells Fargo Bank, National Association | 110 | 6.375% | $365,000 | 30.6% |
| Manufacturers and Traders Trust Company | 110 | 5.990% | $370,000 | 41.8% |
| SPRING EQ, LLC | 107 | 8.625% | $105,000 | 63.4% |
| KWIK MORTGAGE CORPORATION | 105 | 6.375% | $475,000 | 7.9% |
| FREEDOM MORTGAGE CORPORATION | 101 | 6.250% | $455,000 | 17.0% |
| U.S. Bank National Association | 101 | 6.750% | $315,000 | 30.1% |
| Broker Solutions, Inc. | 99 | 6.750% | $425,000 | 23.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 99 | 10.035% | $175,000 | 22.5% |
| GUARANTEED RATE AFFINITY, LLC | 97 | 6.625% | $435,000 | 5.7% |
| FIGURE LENDING LLC | 93 | 9.325% | $75,000 | 31.8% |
| AmeriSave Mortgage Corporation | 85 | 8.250% | $135,000 | 59.6% |
| THE LOAN STORE, INC. | 84 | 6.750% | $355,000 | 20.2% |
| Valley National Bank | 83 | 6.490% | $165,000 | 25.4% |
| BETTER MORTGAGE CORPORATION | 82 | 7.875% | $305,000 | 34.4% |
| Navy Federal Credit Union | 81 | 7.750% | $155,000 | 39.6% |
| LENNAR MORTGAGE, LLC | 81 | 6.125% | $445,000 | 6.8% |
| Columbia Bank | 80 | 6.500% | $180,000 | 19.8% |
| UNION HOME MORTGAGE CORP. | 80 | 6.625% | $450,000 | 8.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 78 | 6.500% | $345,000 | 18.2% |
| Coastal Community Bank | 75 | 10.490% | $65,000 | 4.5% |
| BOND STREET MORTGAGE, LLC | 73 | 6.624% | $455,000 | 2.7% |
| Third Federal Savings and Loan Association of Cleveland | 69 | 6.990% | $175,000 | 44.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 69 | 6.375% | $485,000 | 9.1% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 68 | 6.063% | $470,000 | 9.3% |
| The Federal Savings Bank | 63 | 6.625% | $445,000 | 8.5% |
| DIGITAL | 61 | 7.750% | $195,000 | 28.7% |
| Mortgage Research Center, LLC | 55 | 6.250% | $525,000 | 24.3% |
| Northfield Bank | 55 | Not published | $145,000 | 32.2% |
| Lendage, LLC | 55 | 11.500% | $75,000 | 20.0% |
| Magyar Bank | 53 | Not published | $195,000 | 8.6% |
| Kiavi Funding, Inc. | 53 | 9.950% | $395,000 | 6.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 52 | 7.995% | $135,000 | 27.0% |
| PENTAGON FEDERAL CREDIT UNION | 52 | 7.750% | $135,000 | 55.5% |
| GUIDANCE RESIDENTIAL, LLC | 50 | 6.875% | $455,000 | 3.6% |
| MILLENIUM HOME MORTGAGE, LLC | 50 | 6.125% | $495,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 49 | 6.490% | $485,000 | 16.9% |
| MLD MORTGAGE INC. | 49 | 6.375% | $315,000 | 0.0% |
| Fulton Bank, National Association | 48 | 6.313% | $395,000 | 44.9% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 46 | 6.750% | $430,000 | 5.7% |
| Discover Bank | 44 | 8.560% | $85,000 | 78.5% |
| A&D Mortgage LLC | 44 | 6.813% | $495,000 | 8.3% |
| United Nations Federal Credit Union | 44 | 5.750% | $470,000 | 10.2% |
| Loan Funder LLC | 43 | 10.250% | $475,000 | 12.2% |
| Prosperity Home Mortgage, LLC | 42 | 6.625% | $435,000 | 12.5% |
| Luminate Bank | 41 | 6.500% | $485,000 | 6.7% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 41 | 6.990% | $685,000 | 6.8% |
| LAKEVIEW LOAN SERVICING, LLC | 40 | 7.563% | $220,000 | 62.0% |
| Emporium TPO LLC | 40 | 7.375% | $445,000 | 3.3% |
| Central Jersey Federal Credit Union | 39 | Not published | $105,000 | 11.4% |
| NJ LENDERS CORP. | 38 | 6.688% | $435,000 | 2.6% |
| KIND LENDING, LLC | 37 | 6.875% | $405,000 | 36.2% |
| Citibank, National Association | 35 | 6.250% | $485,000 | 34.0% |
| ALLIED MORTGAGE GROUP, INC. | 35 | 6.750% | $435,000 | 12.5% |
| EMBRACE HOME LOANS, INC. | 35 | 6.490% | $475,000 | 14.3% |
| PULTE MORTGAGE LLC | 33 | 6.375% | $515,000 | 19.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 32 | 6.183% | $490,000 | 14.3% |
| AMWEST FUNDING CORP. | 32 | 6.438% | $450,000 | 5.7% |
| MLB RESIDENTIAL LENDING, LLC | 32 | 6.813% | $445,000 | 13.2% |
| Kearny Bank | 32 | 6.188% | $425,000 | 17.5% |
| Commerce Home Mortgage, Inc. | 32 | 8.063% | $405,000 | 5.9% |
| MORTGAGE ACCESS CORP. | 32 | 6.490% | $495,000 | 8.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 31 | 6.624% | $385,000 | 20.5% |
| CHAMPIONS FUNDING, LLC | 31 | 7.625% | $355,000 | 11.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 31 | 6.625% | $405,000 | 5.4% |
| Fairway Independent Mortgage Corporation | 31 | 6.625% | $435,000 | 3.1% |
| Cornerstone First Mortgage, Inc | 30 | 6.688% | $455,000 | 6.1% |
| UNITED MORTGAGE CORP. | 30 | 6.625% | $485,000 | 2.9% |
| LOWER, LLC | 29 | 6.250% | $415,000 | 23.1% |
| PANORAMA MORTGAGE GROUP, LLC | 29 | 6.490% | $495,000 | 6.5% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 29 | 6.500% | $465,000 | 12.1% |
| UIF CORPORATION | 29 | 6.625% | $495,000 | 11.8% |
| AMERICAN FINANCIAL RESOURCES, INC. | 29 | 6.250% | $455,000 | 3.2% |
| ALLIANT CREDIT UNION | 28 | 9.000% | $205,000 | 44.0% |
| General Mortgage Capital Corporation | 27 | 6.624% | $415,000 | 3.6% |
| Municipal Credit Union | 25 | 6.875% | $105,000 | 34.2% |
| PLAZA HOME MORTGAGE, INC. | 25 | 6.875% | $425,000 | 39.0% |
| ARC HOME LLC | 25 | 7.375% | $425,000 | 13.8% |
| NATIONS DIRECT MORTGAGE, LLC | 25 | 6.250% | $415,000 | 7.4% |
| CONTOUR MORTGAGE CORPORATION | 24 | 6.750% | $490,000 | 0.0% |
| Manasquan Bank | 24 | 7.188% | $205,000 | 13.8% |
| Mid Penn Bank | 23 | 6.990% | $325,000 | 25.0% |
| Visions Federal Credit Union | 23 | 6.250% | $255,000 | 7.4% |
| PINNACLE MORTGAGE, INC. | 23 | 6.490% | $485,000 | 0.0% |
| NVR Mortgage Finance, Inc. | 23 | 7.125% | $605,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 22 | 6.250% | $430,000 | 11.4% |
| Truist Bank | 22 | 6.786% | $295,000 | 48.8% |
| TOLL BROTHERS MORTGAGE COMPANY | 22 | 6.490% | $375,000 | 6.5% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 6.125% | $385,000 | 59.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 21 | 5.875% | $415,000 | 22.0% |
| Equity Prime Mortgage LLC | 21 | 6.375% | $475,000 | 16.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 21 | 6.490% | $425,000 | 0.0% |
| Nations Lending Corporation | 21 | 6.875% | $475,000 | 12.0% |
| NFM, INC. | 21 | 6.990% | $395,000 | 8.7% |
| FINANCE OF AMERICA REVERSE LLC | 21 | 6.375% | $275,000 | 8.7% |
| Somerset Regal Bank | 21 | Not published | $375,000 | 4.6% |
| Flagstar Bank, N.A. | 20 | 6.313% | $275,000 | 62.5% |
| POLISH & SLAVIC | 20 | Not published | $245,000 | 16.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 20 | 6.500% | $390,000 | 20.0% |
| Tomo Mortgage, LLC | 19 | 6.125% | $525,000 | 13.6% |
| 254900M2C4Q6DATP2889 | 19 | 5.990% | $335,000 | 29.6% |
| Bethpage Federal Credit Union | 19 | 6.875% | $205,000 | 50.0% |
| First Federal Bank | 19 | 6.375% | $515,000 | 13.6% |
| NQM FUNDING, LLC | 19 | 7.499% | $385,000 | 8.3% |
| GREENWAY MORTGAGE FUNDING CORP. | 19 | 6.750% | $455,000 | 4.6% |
| NEXERA HOLDING LLC | 18 | 7.375% | $420,000 | 13.6% |
| Peoples Security Bank and Trust Company | 18 | 1.990% | $205,000 | 32.3% |
| Unity Bank | 18 | 7.188% | $315,000 | 18.2% |
| Princeton Federal Credit Union | 18 | 5.990% | $170,000 | 0.0% |
| UNITED POLES FEDERAL CREDIT UNION | 18 | Not published | $55,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 17 | 6.500% | $395,000 | 18.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | 9.990% | $395,000 | 0.0% |
| JMAC LENDING, INC. | 17 | 6.500% | $435,000 | 10.5% |
| Logan Finance Corporation | 16 | 7.062% | $440,000 | 15.0% |
| CREDIT UNION OF NEW JERSEY, A FEDERAL CREDIT UNION | 16 | 7.990% | $115,000 | 27.3% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 16 | 9.750% | $400,000 | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 16 | 7.813% | $225,000 | 15.8% |
| EMM LOANS LLC | 16 | 6.688% | $485,000 | 0.0% |
| PHH Mortgage Corporation | 15 | 6.750% | $305,000 | 21.1% |
| MISSION LOANS, LLC | 15 | 8.125% | $155,000 | 15.8% |
| QUORUM FEDERAL CREDIT UNION | 15 | 9.000% | $95,000 | 44.1% |
| Northpointe Bank | 15 | 6.625% | $515,000 | 0.0% |
| Citadel Servicing Corporation | 15 | 7.500% | $395,000 | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 15 | 6.500% | $375,000 | 0.0% |
| NBKC BANK | 14 | 5.938% | $445,000 | 30.4% |
| GoodLeap, LLC | 14 | 8.450% | $105,000 | 35.7% |
| Hometown Equity Mortgage, LLC | 14 | 7.250% | $500,000 | 48.2% |
| EAST COAST CAPITAL CORP. | 14 | 6.625% | $440,000 | 12.5% |
| UNITED TELETECH FINANCIAL | 14 | 6.500% | $75,000 | 36.4% |
| NATION ONE MORTGAGE CORPORATION | 14 | 6.750% | $385,000 | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 14 | 6.313% | $245,000 | 0.0% |
| MERCK EMPLOYEES FCU | 13 | Not published | $125,000 | 17.7% |
| DEEPHAVEN MORTGAGE LLC | 13 | 8.625% | $345,000 | 36.4% |
| Spencer Savings Bank, SLA | 13 | Not published | $325,000 | 22.2% |
| HOMEXPRESS MORTGAGE CORP. | 13 | 7.250% | $405,000 | 27.8% |
| Morgan Stanley Private Bank, National Association | 13 | 6.100% | $655,000 | 12.5% |
| RUTGERS | 13 | 6.750% | $105,000 | 0.0% |
| HEALTHCARE EMPLOYEES | 13 | 5.490% | $75,000 | 0.0% |
| OCMBC, INC. | 12 | 7.563% | $375,000 | 5.0% |
| RESICENTRAL, LLC | 12 | 6.433% | $480,000 | 11.1% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 12 | 6.813% | $455,000 | 7.7% |
| GUILD MORTGAGE COMPANY | 12 | 6.688% | $310,000 | 6.7% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 8.530% | $145,000 | 22.0% |
| POLICE & FIRE | 11 | 6.490% | $155,000 | 45.0% |
| 2549005FUF02T1IFCA22 | 11 | 7.625% | $445,000 | 31.3% |
| TOWER Federal Credit Union | 11 | 7.000% | $185,000 | 33.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 6.750% | $435,000 | 21.1% |
| Metro City Bank | 11 | 6.250% | $405,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 11 | 6.625% | $455,000 | 0.0% |
| MERIDIAN BANK | 11 | 6.500% | $335,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 10 | 6.995% | $305,000 | 66.7% |
| Plains Commerce Bank | 10 | 6.438% | $540,000 | 9.1% |
| Valon Mortgage, Inc. | 10 | 8.925% | $80,000 | 40.0% |
| ABL RPC Residential Credit Acquisition LLC | 10 | 11.120% | $395,000 | 33.3% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 10 | 5.625% | $475,000 | 0.0% |
| PLANET HOME LENDING, LLC | 10 | 5.990% | $445,000 | 16.7% |
| Cathay Bank | 10 | 6.375% | $275,000 | 9.1% |
| ICE LENDER HOLDINGS LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| LUXURY MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 30.8% |
| GENEVA FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Gateway First Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Royal Business Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SOUTH RIVER MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ATLANTIS MORTGAGE CO., INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 8 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN HERITAGE LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Wilmington Savings Fund Society, FSB | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEW WAVE LENDING GROUP INC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST CREDIT CORPORATION OF NEW YORK, INC. | 7 | Under 10 loans | Under 10 loans | 73.5% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 27.3% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 7 | Under 10 loans | Under 10 loans | 0.0% |
| XCEL FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CLIFFCO, INC. | 7 | 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 305 lenders each made 7 or fewer mortgages here, and are counted in the totals above.
Bank branches in Middlesex County
215 FDIC-insured branches from 41 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
4 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 100 Ryders Ln, Milltown
- Kearny Bank, 520 Main St, Spotswood
- Magyar Bank, 1167 Inman Ave, Edison
- TD Bank, National Association, 230 Forsgate Dr, Jamesburg
Get told when this changes
When the next year’s lending figures are out for Middlesex 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.