Home purchase lenders in Middlesex County
6,173 home purchase mortgages were made in Middlesex County, New Jersey, in 2025, by 370 lenders. The median rate their borrowers got was 6.500% on a median loan of $455,000. Of 7,381 decisions, 924 were denials — 12.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 499 | 6.501% | $475,000 | 13.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 363 | 6.625% | $455,000 | 4.9% |
| Rocket Mortgage, LLC | 339 | 6.490% | $455,000 | 16.7% |
| OceanFirst Bank, National Association | 289 | 6.000% | $495,000 | 2.8% |
| JPMorgan Chase Bank, National Association | 157 | 6.250% | $445,000 | 11.7% |
| Paramount Residential Mortgage Group, Inc. | 141 | 6.500% | $505,000 | 4.1% |
| CMG MORTGAGE, INC. | 139 | 6.625% | $425,000 | 7.6% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 115 | 6.625% | $445,000 | 2.5% |
| PENNYMAC LOAN SERVICES, LLC | 114 | 6.500% | $460,000 | 9.3% |
| Advisors Mortgage Group, L.L.C. | 111 | 6.625% | $395,000 | 5.1% |
| GUARANTEED RATE, INC. | 103 | 6.450% | $435,000 | 4.6% |
| Bank of America, National Association | 103 | 5.990% | $375,000 | 28.5% |
| MOVEMENT MORTGAGE, LLC | 103 | 6.562% | $455,000 | 6.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 95 | 6.750% | $445,000 | 4.9% |
| Loandepot.Com, LLC | 85 | 6.625% | $415,000 | 7.5% |
| TD Bank, National Association | 82 | 6.500% | $500,000 | 25.9% |
| LENNAR MORTGAGE, LLC | 81 | 6.125% | $445,000 | 6.8% |
| GUARANTEED RATE AFFINITY, LLC | 79 | 6.600% | $475,000 | 1.3% |
| Broker Solutions, Inc. | 73 | 6.625% | $465,000 | 1.3% |
| Citizens Bank, National Association | 68 | 6.900% | $380,000 | 26.0% |
| BOND STREET MORTGAGE, LLC | 67 | 6.624% | $465,000 | 2.9% |
| KWIK MORTGAGE CORPORATION | 63 | 6.625% | $465,000 | 11.3% |
| UNION HOME MORTGAGE CORP. | 62 | 6.625% | $480,000 | 7.5% |
| Wells Fargo Bank, National Association | 58 | 6.375% | $490,000 | 27.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 52 | 6.500% | $515,000 | 7.0% |
| THE LOAN STORE, INC. | 51 | 6.500% | $435,000 | 9.0% |
| Manufacturers and Traders Trust Company | 50 | 5.813% | $510,000 | 16.7% |
| The Federal Savings Bank | 49 | 6.625% | $445,000 | 7.4% |
| Kiavi Funding, Inc. | 49 | 9.990% | $395,000 | 5.7% |
| U.S. Bank National Association | 47 | 6.490% | $465,000 | 19.1% |
| Mortgage Research Center, LLC | 47 | 6.250% | $555,000 | 4.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 44 | 6.375% | $455,000 | 10.2% |
| GUIDANCE RESIDENTIAL, LLC | 43 | 6.875% | $455,000 | 0.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 41 | 6.990% | $685,000 | 6.8% |
| Loan Funder LLC | 40 | 10.500% | $455,000 | 9.1% |
| MILLENIUM HOME MORTGAGE, LLC | 40 | 6.063% | $485,000 | 0.0% |
| MLD MORTGAGE INC. | 37 | 6.490% | $305,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 36 | 6.375% | $495,000 | 15.1% |
| NEWREZ LLC | 36 | 6.813% | $445,000 | 16.3% |
| United Nations Federal Credit Union | 36 | 5.875% | $490,000 | 2.7% |
| Luminate Bank | 35 | 6.500% | $495,000 | 5.3% |
| A&D Mortgage LLC | 35 | 6.750% | $515,000 | 5.4% |
| Prosperity Home Mortgage, LLC | 34 | 6.625% | $455,000 | 12.8% |
| PULTE MORTGAGE LLC | 33 | 6.375% | $515,000 | 19.5% |
| NJ LENDERS CORP. | 32 | 6.750% | $425,000 | 0.0% |
| MORTGAGE ACCESS CORP. | 31 | 6.490% | $495,000 | 5.9% |
| Provident Bank | 30 | 6.375% | $395,000 | 8.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 30 | 6.625% | $405,000 | 2.9% |
| Columbia Bank | 29 | 6.000% | $435,000 | 5.6% |
| ALLIED MORTGAGE GROUP, INC. | 29 | 6.625% | $455,000 | 2.9% |
| PANORAMA MORTGAGE GROUP, LLC | 28 | 6.495% | $490,000 | 6.7% |
| Kearny Bank | 28 | 6.188% | $425,000 | 14.7% |
| Emporium TPO LLC | 28 | 7.375% | $490,000 | 2.4% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 28 | 6.875% | $445,000 | 9.4% |
| EMBRACE HOME LOANS, INC. | 27 | 6.500% | $455,000 | 12.5% |
| Cornerstone First Mortgage, Inc | 26 | 6.688% | $480,000 | 6.9% |
| UIF CORPORATION | 26 | 6.813% | $490,000 | 10.0% |
| BETTER MORTGAGE CORPORATION | 25 | 6.625% | $455,000 | 24.2% |
| PNC Bank, National Association | 25 | 6.625% | $395,000 | 40.4% |
| Navy Federal Credit Union | 25 | 6.375% | $475,000 | 7.4% |
| AFFINITY | 25 | 5.000% | $355,000 | 26.8% |
| KIND LENDING, LLC | 25 | 6.625% | $455,000 | 39.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 24 | 6.500% | $465,000 | 14.3% |
| Fairway Independent Mortgage Corporation | 24 | 6.625% | $515,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 23 | 6.625% | $485,000 | 36.1% |
| MLB RESIDENTIAL LENDING, LLC | 23 | 6.750% | $485,000 | 11.5% |
| NVR Mortgage Finance, Inc. | 23 | 7.125% | $605,000 | 0.0% |
| Citibank, National Association | 22 | 6.125% | $525,000 | 12.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 22 | 6.490% | $375,000 | 6.5% |
| Commerce Home Mortgage, Inc. | 22 | 7.875% | $415,000 | 8.3% |
| CONTOUR MORTGAGE CORPORATION | 22 | 6.750% | $500,000 | 0.0% |
| UNITED MORTGAGE CORP. | 22 | 6.625% | $495,000 | 4.0% |
| AMWEST FUNDING CORP. | 21 | 6.375% | $475,000 | 8.7% |
| AMERICAN FINANCIAL NETWORK, INC. | 21 | 6.625% | $425,000 | 25.0% |
| Fulton Bank, National Association | 21 | 6.250% | $635,000 | 8.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 21 | 6.125% | $515,000 | 0.0% |
| Tomo Mortgage, LLC | 19 | 6.125% | $525,000 | 13.6% |
| General Mortgage Capital Corporation | 18 | 6.625% | $425,000 | 5.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 17 | 6.370% | $515,000 | 18.2% |
| LOWER, LLC | 17 | 6.375% | $435,000 | 15.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 17 | 6.500% | $425,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 17 | 7.750% | $355,000 | 10.5% |
| GREENWAY MORTGAGE FUNDING CORP. | 17 | 6.750% | $455,000 | 5.3% |
| Valley National Bank | 16 | 5.750% | $505,000 | 18.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 16 | 9.750% | $400,000 | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 16 | 6.433% | $610,000 | 5.9% |
| NFM, INC. | 16 | 6.990% | $430,000 | 5.9% |
| PINNACLE MORTGAGE, INC. | 16 | 6.433% | $505,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 15 | 6.875% | $505,000 | 37.5% |
| ARC HOME LLC | 15 | 7.375% | $425,000 | 21.1% |
| Nations Lending Corporation | 15 | 6.875% | $465,000 | 6.3% |
| Flagstar Bank, N.A. | 14 | 6.313% | $375,000 | 50.0% |
| JMAC LENDING, INC. | 14 | 6.500% | $425,000 | 12.5% |
| Magyar Bank | 14 | Not published | $695,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.563% | $455,000 | 12.5% |
| EMM LOANS LLC | 14 | 6.688% | $490,000 | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 13 | 6.250% | $455,000 | 13.3% |
| Mid Penn Bank | 13 | 6.750% | $355,000 | 7.1% |
| NATION ONE MORTGAGE CORPORATION | 13 | 6.875% | $355,000 | 0.0% |
| First Federal Bank | 12 | 6.438% | $530,000 | 20.0% |
| NQM FUNDING, LLC | 12 | 7.500% | $400,000 | 12.5% |
| Unity Bank | 12 | 7.063% | $390,000 | 7.7% |
| TRIAD FINANCIAL SERVICES, INC. | 11 | 8.530% | $145,000 | 22.0% |
| Northfield Bank | 11 | Not published | $295,000 | 15.4% |
| SUMMIT MORTGAGE BANKERS INC. | 11 | 6.500% | $395,000 | 0.0% |
| DIGITAL | 10 | 6.000% | $330,000 | 21.4% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.063% | $460,000 | 22.7% |
| Plains Commerce Bank | 10 | 6.438% | $540,000 | 9.1% |
| NBKC BANK | 10 | 6.063% | $440,000 | 26.7% |
| RESICENTRAL, LLC | 10 | 6.490% | $535,000 | 13.3% |
| 2549005FUF02T1IFCA22 | 10 | 7.563% | $450,000 | 23.1% |
| POLISH & SLAVIC | 10 | Not published | $255,000 | 9.1% |
| Metro City Bank | 10 | 6.250% | $410,000 | 0.0% |
| Visions Federal Credit Union | 10 | 6.000% | $770,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 10 | 6.625% | $450,000 | 0.0% |
| Princeton Federal Credit Union | 10 | 5.990% | $190,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 8.3% |
| Truist Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Gateway First Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Morgan Stanley Private Bank, National Association | 9 | Under 10 loans | Under 10 loans | 9.1% |
| Logan Finance Corporation | 8 | Under 10 loans | Under 10 loans | 10.0% |
| EAST COAST CAPITAL CORP. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Spencer Savings Bank, SLA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Somerset Regal Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 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% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 9.1% |
| Equity Prime Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| STG MORTGAGE INC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 41.7% |
| Manasquan Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Citadel Servicing Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Amboy Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| FREEDOM MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 46.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| LUXURY MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NORWICH COMMERCIAL GROUP, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ICE LENDER HOLDINGS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CLIFFCO, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIS MORTGAGE CO., INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 71.4% |
| Genisys Credit Union | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Ballston Spa National Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW MILLENNIUM BANK, INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 76.5% |
| USAA Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 66.7% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 25.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 25.0% |
| Municipal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CIBM Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Quontic Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FM Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hanover Community Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED POLES FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 78.6% |
| RELIANT HOME FUNDING, INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Presidential Bank, FSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Acre Mortgage & Financial, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Peoples Security Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 20.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| 1st Colonial Community Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MERCK EMPLOYEES FCU | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | 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 170 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Middlesex County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.