Refinancing lenders in Middlesex County
2,561 refinancing mortgages were made in Middlesex County, New Jersey, in 2025, by 287 lenders. The median rate their borrowers got was 6.125% on a median loan of $395,000. Of 3,392 decisions, 678 were denials — 20.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 393 | 5.875% | $505,000 | 8.4% |
| Rocket Mortgage, LLC | 305 | 5.875% | $445,000 | 16.4% |
| Citizens Bank, National Association | 200 | 7.400% | $245,000 | 25.5% |
| PNC Bank, National Association | 196 | 7.750% | $175,000 | 27.4% |
| TD Bank, National Association | 110 | 7.340% | $205,000 | 29.8% |
| OceanFirst Bank, National Association | 101 | 5.625% | $455,000 | 0.0% |
| Bank of America, National Association | 97 | 6.240% | $205,000 | 36.1% |
| Amboy Bank | 50 | Not published | $105,000 | 13.3% |
| PENNYMAC LOAN SERVICES, LLC | 48 | 5.933% | $430,000 | 13.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 45 | 5.990% | $475,000 | 8.2% |
| FREEDOM MORTGAGE CORPORATION | 44 | 6.125% | $495,000 | 7.6% |
| JPMorgan Chase Bank, National Association | 33 | 5.990% | $345,000 | 12.5% |
| Loandepot.Com, LLC | 28 | 5.813% | $450,000 | 9.1% |
| NATIONSTAR MORTGAGE LLC | 27 | 6.250% | $445,000 | 18.2% |
| Third Federal Savings and Loan Association of Cleveland | 26 | 6.990% | $215,000 | 46.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 25 | 6.125% | $285,000 | 3.6% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 23 | 5.875% | $505,000 | 8.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 20 | 6.250% | $425,000 | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 18 | 6.495% | $410,000 | 0.0% |
| Manufacturers and Traders Trust Company | 17 | 5.990% | $455,000 | 33.3% |
| KWIK MORTGAGE CORPORATION | 17 | 5.990% | $465,000 | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 16 | 6.495% | $385,000 | 5.9% |
| MOVEMENT MORTGAGE, LLC | 16 | 5.990% | $435,000 | 0.0% |
| U.S. Bank National Association | 16 | 6.058% | $375,000 | 0.0% |
| NEWREZ LLC | 15 | 5.750% | $515,000 | 58.3% |
| Paramount Residential Mortgage Group, Inc. | 15 | 6.625% | $495,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.188% | $525,000 | 61.2% |
| CMG MORTGAGE, INC. | 14 | 6.812% | $480,000 | 27.3% |
| Columbia Bank | 14 | 6.250% | $150,000 | 27.3% |
| LONGBRIDGE FINANCIAL, LLC | 14 | 6.313% | $245,000 | 0.0% |
| GUARANTEED RATE, INC. | 13 | 6.100% | $585,000 | 7.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 13 | 5.875% | $425,000 | 7.1% |
| Discover Bank | 12 | 8.700% | $125,000 | 65.7% |
| Wells Fargo Bank, National Association | 12 | 5.938% | $155,000 | 25.0% |
| Fulton Bank, National Association | 12 | 6.240% | $275,000 | 47.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 12 | 5.813% | $475,000 | 0.0% |
| Northfield Bank | 12 | Not published | $135,000 | 33.3% |
| Lendage, LLC | 12 | 10.375% | $145,000 | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 11 | 7.750% | $225,000 | 50.0% |
| UNION HOME MORTGAGE CORP. | 10 | 5.875% | $530,000 | 14.3% |
| SOUTH RIVER MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Magyar Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| MLD MORTGAGE INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Manasquan Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 7 | Under 10 loans | Under 10 loans | 41.7% |
| GUARANTEED RATE AFFINITY, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 22.2% |
| NQM FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BOND STREET MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Somerset Regal Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LADERA LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 5 | Under 10 loans | Under 10 loans | 25.0% |
| MLB RESIDENTIAL LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| General Mortgage Capital Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| INSTAMORTGAGE INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| UNITED POLES FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 69.2% |
| AmeriSave Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 55.6% |
| Kiavi Funding, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCE HOUSE LARIBA | 4 | Under 10 loans | Under 10 loans | 16.7% |
| MILLENIUM HOME MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SayGO Home Loans, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DIGITAL | 3 | Under 10 loans | Under 10 loans | 50.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 66.7% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 3 | Under 10 loans | Under 10 loans | 40.0% |
| 254900M2C4Q6DATP2889 | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Prosperity Home Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ATLANTIS MORTGAGE CO., INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Peoples Security Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| State Department Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ardent Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBERS 1ST | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HEALTHCARE EMPLOYEES | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Valley West Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Wilmington Savings Fund Society, FSB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 33.3% |
| POLISH & SLAVIC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bogota Savings Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JMAC LENDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Unity Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| KINECTA | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Customers Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WARSHAW CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| State Financial Network, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Colonial Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FEDERATED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BARINGS MULTIFAMILY CAPITAL LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIDELITY DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 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 87 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.