Mortgage lenders in Monmouth County
15,448 mortgages were made in Monmouth County, New Jersey, in 2025, by 510 lenders. The median rate their borrowers got was 6.750% on a median loan of $385,000. Of 20,655 decisions, 4,341 were denials — 21.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 1,016 | 6.990% | $305,000 | 16.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 780 | 6.750% | $475,000 | 7.0% |
| Citizens Bank, National Association | 770 | 7.150% | $255,000 | 30.7% |
| TD Bank, National Association | 610 | 7.340% | $205,000 | 30.5% |
| Bank of America, National Association | 605 | 6.000% | $205,000 | 33.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 531 | 6.490% | $505,000 | 14.4% |
| Advisors Mortgage Group, L.L.C. | 518 | 6.625% | $445,000 | 4.4% |
| PNC Bank, National Association | 497 | 8.000% | $205,000 | 31.0% |
| Loandepot.Com, LLC | 406 | 6.875% | $305,000 | 19.4% |
| Manasquan Bank | 352 | 7.125% | $310,000 | 9.9% |
| JPMorgan Chase Bank, National Association | 349 | 6.490% | $450,000 | 14.9% |
| GUARANTEED RATE, INC. | 334 | 6.550% | $485,000 | 7.8% |
| PENNYMAC LOAN SERVICES, LLC | 291 | 6.624% | $465,000 | 16.7% |
| OceanFirst Bank, National Association | 226 | 6.563% | $375,000 | 9.1% |
| CMG MORTGAGE, INC. | 179 | 6.750% | $455,000 | 9.3% |
| Wells Fargo Bank, National Association | 173 | 6.250% | $505,000 | 15.2% |
| U.S. Bank National Association | 162 | 6.625% | $460,000 | 27.8% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 161 | 6.625% | $455,000 | 1.8% |
| NEWREZ LLC | 159 | 7.125% | $255,000 | 40.1% |
| NATIONSTAR MORTGAGE LLC | 145 | 8.125% | $165,000 | 12.4% |
| Valley National Bank | 141 | 6.490% | $195,000 | 21.9% |
| TOLL BROTHERS MORTGAGE COMPANY | 139 | 6.490% | $655,000 | 9.0% |
| SPRING EQ, LLC | 133 | 8.625% | $105,000 | 59.1% |
| The Federal Savings Bank | 132 | 6.625% | $460,000 | 9.6% |
| AFFINITY | 129 | 4.900% | $155,000 | 28.4% |
| FM Home Loans, LLC | 124 | 6.990% | $605,000 | 0.7% |
| Manufacturers and Traders Trust Company | 121 | 5.990% | $325,000 | 33.3% |
| FIGURE LENDING LLC | 120 | 9.413% | $100,000 | 27.5% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 118 | 6.625% | $485,000 | 1.7% |
| Provident Bank | 117 | 7.000% | $225,000 | 31.1% |
| Paramount Residential Mortgage Group, Inc. | 112 | 6.500% | $485,000 | 0.9% |
| Navy Federal Credit Union | 110 | 7.950% | $155,000 | 32.3% |
| Third Federal Savings and Loan Association of Cleveland | 108 | 6.990% | $205,000 | 30.4% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 107 | 10.470% | $155,000 | 8.6% |
| FIRST ATLANTIC FEDERAL CREDIT UNION | 106 | 5.990% | $125,000 | 22.0% |
| NVR Mortgage Finance, Inc. | 104 | 6.563% | $565,000 | 38.1% |
| Loan Funder LLC | 97 | 8.450% | $455,000 | 19.2% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 95 | 6.875% | $635,000 | 16.7% |
| LENNAR MORTGAGE, LLC | 93 | 5.250% | $615,000 | 7.0% |
| Morgan Stanley Private Bank, National Association | 89 | 5.850% | $865,000 | 2.9% |
| Amboy Bank | 86 | Not published | $105,000 | 13.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 83 | 7.625% | $155,000 | 25.7% |
| GUARANTEED RATE AFFINITY, LLC | 82 | 6.483% | $470,000 | 2.2% |
| Broker Solutions, Inc. | 77 | 6.875% | $405,000 | 17.5% |
| DHI MORTGAGE COMPANY, LTD. | 77 | 6.500% | $535,000 | 3.7% |
| UNITED TELETECH FINANCIAL | 75 | 6.500% | $55,000 | 15.7% |
| THE LOAN STORE, INC. | 74 | 7.125% | $415,000 | 10.9% |
| FREEDOM MORTGAGE CORPORATION | 73 | 6.250% | $495,000 | 22.2% |
| Luminate Bank | 72 | 6.490% | $585,000 | 1.4% |
| Fulton Bank, National Association | 66 | 6.490% | $625,000 | 9.6% |
| NJ LENDERS CORP. | 65 | 6.625% | $455,000 | 1.5% |
| Fairway Independent Mortgage Corporation | 64 | 6.875% | $490,000 | 9.7% |
| BETTER MORTGAGE CORPORATION | 63 | 7.375% | $335,000 | 40.6% |
| Columbia Bank | 63 | 6.740% | $205,000 | 21.8% |
| AmeriSave Mortgage Corporation | 61 | 8.875% | $115,000 | 57.1% |
| Kearny Bank | 60 | 6.250% | $435,000 | 10.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 59 | 6.625% | $485,000 | 10.6% |
| Skyrock Mortgage Corp | 57 | 6.500% | $485,000 | 0.0% |
| First Financial Federal Credit Union | 56 | 6.750% | $70,000 | 39.8% |
| Prosperity Home Mortgage, LLC | 56 | 6.875% | $420,000 | 9.7% |
| Citibank, National Association | 55 | 6.125% | $690,000 | 24.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 55 | 6.250% | $405,000 | 25.7% |
| Coastal Community Bank | 54 | 10.240% | $70,000 | 1.8% |
| ARK MORTGAGE, INC. | 54 | 7.250% | $490,000 | 6.5% |
| Discover Bank | 50 | 8.540% | $105,000 | 74.4% |
| QUORUM FEDERAL CREDIT UNION | 50 | 8.375% | $160,000 | 15.5% |
| NQM FUNDING, LLC | 50 | 7.624% | $535,000 | 8.1% |
| Lendage, LLC | 47 | 11.000% | $85,000 | 22.4% |
| Bethpage Federal Credit Union | 45 | 6.490% | $255,000 | 38.4% |
| Kiavi Funding, Inc. | 45 | 10.500% | $475,000 | 10.9% |
| PENTAGON FEDERAL CREDIT UNION | 42 | 7.625% | $205,000 | 53.8% |
| CHAMPIONS FUNDING, LLC | 42 | 7.688% | $490,000 | 23.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 40 | 6.750% | $460,000 | 14.6% |
| A&D Mortgage LLC | 39 | 6.750% | $455,000 | 18.4% |
| KIND LENDING, LLC | 39 | 6.875% | $535,000 | 28.6% |
| ATLANTIS MORTGAGE CO., INC. | 39 | 6.625% | $545,000 | 9.3% |
| Cornerstone First Mortgage, Inc | 39 | 7.125% | $475,000 | 2.5% |
| ICE LENDER HOLDINGS LLC | 38 | 7.563% | $645,000 | 35.6% |
| Mortgage Research Center, LLC | 37 | 6.125% | $555,000 | 46.4% |
| BOND STREET MORTGAGE, LLC | 36 | 6.625% | $535,000 | 10.0% |
| LAKEVIEW LOAN SERVICING, LLC | 35 | 7.125% | $295,000 | 60.0% |
| MOVEMENT MORTGAGE, LLC | 35 | 6.750% | $435,000 | 12.7% |
| Citadel Servicing Corporation | 35 | 7.250% | $565,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 35 | 6.750% | $505,000 | 6.5% |
| Northfield Bank | 34 | Not published | $205,000 | 31.4% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 34 | 6.438% | $560,000 | 10.3% |
| PULTE MORTGAGE LLC | 34 | 6.563% | $575,000 | 10.5% |
| GREENWAY MORTGAGE FUNDING CORP. | 34 | 6.750% | $510,000 | 7.5% |
| EMBRACE HOME LOANS, INC. | 33 | 6.625% | $595,000 | 5.6% |
| UNION HOME MORTGAGE CORP. | 32 | 6.250% | $525,000 | 5.9% |
| MORTGAGE ACCESS CORP. | 32 | 6.625% | $505,000 | 5.7% |
| FINANCE OF AMERICA REVERSE LLC | 32 | 6.750% | $285,000 | 5.6% |
| Commerce Home Mortgage, Inc. | 31 | 7.625% | $435,000 | 8.8% |
| Hometown Equity Mortgage, LLC | 30 | 7.500% | $265,000 | 22.5% |
| Stifel Bank and Trust | 28 | 6.313% | $530,000 | 6.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 27 | 6.625% | $415,000 | 44.4% |
| TOWER Federal Credit Union | 27 | 7.000% | $205,000 | 20.0% |
| PHH Mortgage Corporation | 26 | 6.375% | $425,000 | 13.3% |
| EMM LOANS LLC | 26 | 6.625% | $410,000 | 3.7% |
| BPL MORTGAGE TRUST, LLC | 26 | 7.250% | $335,000 | 6.7% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 25 | 6.125% | $495,000 | 7.4% |
| Webster Bank, National Association | 25 | 6.250% | $1,075,000 | 9.7% |
| Truist Bank | 24 | 6.103% | $435,000 | 58.6% |
| Municipal Credit Union | 24 | 6.875% | $170,000 | 24.2% |
| PLAZA HOME MORTGAGE, INC. | 24 | 6.875% | $450,000 | 33.3% |
| ALLIANT CREDIT UNION | 24 | 7.750% | $220,000 | 31.4% |
| DEEPHAVEN MORTGAGE LLC | 24 | 7.500% | $415,000 | 32.4% |
| ARC HOME LLC | 24 | 7.313% | $495,000 | 4.0% |
| POLICE & FIRE | 23 | 6.240% | $165,000 | 36.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 23 | 6.625% | $445,000 | 0.0% |
| Emporium TPO LLC | 23 | 6.990% | $565,000 | 6.5% |
| Flagstar Bank, N.A. | 22 | 6.489% | $430,000 | 50.0% |
| Logan Finance Corporation | 21 | 6.999% | $425,000 | 8.7% |
| Unity Bank | 21 | 7.250% | $525,000 | 8.7% |
| CONTOUR MORTGAGE CORPORATION | 21 | 6.875% | $555,000 | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 21 | 6.000% | $525,000 | 0.0% |
| Charles Schwab Bank, SSB | 21 | 5.625% | $505,000 | 8.7% |
| UNITED MORTGAGE CORP. | 20 | 7.058% | $440,000 | 6.7% |
| NORWICH COMMERCIAL GROUP, INC. | 20 | 6.938% | $525,000 | 12.5% |
| LONGBRIDGE FINANCIAL, LLC | 20 | 6.250% | $375,000 | 11.5% |
| CLIFFCO, INC. | 19 | 7.625% | $795,000 | 0.0% |
| MLD MORTGAGE INC. | 19 | 6.625% | $485,000 | 9.1% |
| 21st Mortgage Corporation | 18 | 10.700% | $95,000 | 72.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 18 | 6.000% | $495,000 | 25.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 18 | 6.625% | $460,000 | 5.3% |
| EAST COAST CAPITAL CORP. | 18 | 6.938% | $460,000 | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 17 | 5.995% | $605,000 | 9.5% |
| Gateway First Bank | 17 | 6.875% | $415,000 | 10.5% |
| KWIK MORTGAGE CORPORATION | 17 | 6.000% | $645,000 | 0.0% |
| NBKC BANK | 16 | 6.125% | $545,000 | 20.0% |
| JMAC LENDING, INC. | 16 | 6.688% | $425,000 | 11.1% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 16 | 6.563% | $515,000 | 0.0% |
| NEXERA HOLDING LLC | 16 | 7.313% | $460,000 | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 16 | 7.875% | $440,000 | 5.9% |
| UBS Bank USA | 16 | 5.813% | $885,000 | 0.0% |
| PINNACLE MORTGAGE, INC. | 16 | 6.438% | $425,000 | 0.0% |
| 254900M2C4Q6DATP2889 | 15 | 6.125% | $345,000 | 6.3% |
| LOWER, LLC | 15 | 6.375% | $505,000 | 21.1% |
| AMWEST FUNDING CORP. | 15 | 6.875% | $505,000 | 16.7% |
| JET DIRECT FUNDING CORP | 15 | 6.990% | $625,000 | 6.3% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 15 | 7.250% | $405,000 | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 14 | 5.945% | $905,000 | 12.5% |
| Valon Mortgage, Inc. | 14 | 8.738% | $95,000 | 28.6% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 14 | 9.750% | $445,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 14 | 6.688% | $485,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 13 | 8.630% | $115,000 | 47.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 13 | 9.865% | $645,000 | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 13 | 6.750% | $455,000 | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 13 | 6.875% | $415,000 | 9.5% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 13 | 9.000% | $255,000 | 12.5% |
| Princeton Federal Credit Union | 13 | 5.990% | $155,000 | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 12 | 7.563% | $330,000 | 10.0% |
| Northpointe Bank | 12 | 6.375% | $630,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 12 | 7.250% | $425,000 | 13.3% |
| HARBORONE MORTGAGE, LLC | 12 | 6.625% | $450,000 | 0.0% |
| BAY EQUITY LLC | 12 | 6.813% | $520,000 | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 11 | 6.625% | $365,000 | 12.5% |
| NATIONS DIRECT MORTGAGE, LLC | 11 | 6.500% | $595,000 | 8.3% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 11 | 6.500% | $475,000 | 0.0% |
| NEW DAY FINANCIAL, LLC | 10 | 6.990% | $420,000 | 68.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 10 | 6.063% | $560,000 | 13.3% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 10 | 6.813% | $440,000 | 23.1% |
| Axos Bank | 10 | 6.500% | $540,000 | 16.7% |
| SOUTH RIVER MORTGAGE, LLC | 10 | 8.990% | $500,000 | 0.0% |
| Bogota Savings Bank | 10 | 7.000% | $475,000 | 23.1% |
| WALL STREET MORTGAGE BANKERS, LTD. | 10 | 6.808% | $485,000 | 9.1% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 10 | 6.995% | $440,000 | 16.7% |
| Nations Lending Corporation | 10 | 6.750% | $400,000 | 9.1% |
| GLENDENNING MORTGAGE CORPORATION | 10 | 6.870% | $495,000 | 0.0% |
| CONVENTUS LLC | 10 | 10.325% | $835,000 | 0.0% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 57.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 9 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| NMSI, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PANORAMA MORTGAGE GROUP, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEXPRESS MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 42.9% |
| POLISH & SLAVIC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| LUXURY MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Magyar Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ENVOY MORTGAGE, LTD | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 8 | Under 10 loans | Under 10 loans | 20.0% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Peapack-Gladstone Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| HEALTHCARE EMPLOYEES | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GoodLeap, LLC | 7 | Under 10 loans | Under 10 loans | 42.9% |
| Quontic Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| CREDIT UNION OF NEW JERSEY, A FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Visions Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 27.3% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 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 310 lenders each made 7 or fewer mortgages here, and are counted in the totals above.
Bank branches in Monmouth County
181 FDIC-insured branches from 23 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Wells Fargo Bank, National Association | 19 | $3.5 billion |
| JPMorgan Chase Bank, National Association | 18 | $3.5 billion |
| Santander Bank, N.A. | 15 | $3.1 billion |
| TD Bank, National Association | 14 | $4.3 billion |
| Bank of America, National Association | 14 | $3.8 billion |
| PNC Bank, National Association | 14 | $2.0 billion |
| Provident Bank | 11 | $1.1 billion |
| Valley National Bank | 10 | $1.2 billion |
| Amboy Bank | 10 | $390.0 million |
| Manasquan Bank | 9 | $1.9 billion |
| Citizens Bank, National Association | 9 | $863.5 million |
| Kearny Bank | 8 | $808.3 million |
| OceanFirst Bank, National Association | 6 | $1.9 billion |
| Columbia Bank | 5 | $534.0 million |
| Flagstar Bank, National Association | 5 | $474.2 million |
| Manufacturers and Traders Trust Company | 5 | $315.4 million |
| Fulton Bank, National Association | 2 | $231.2 million |
| First Commerce Bank | 2 | $226.7 million |
| ConnectOne Bank | 1 | $179.2 million |
| BCB Community Bank | 1 | $95.6 million |
| Mid Penn Bank | 1 | $68.0 million |
| First Bank | 1 | $23.7 million |
| Hanover Community Bank | 1 | $22.2 million |
Closed since the 2025 survey
6 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Kearny Bank, 61 Main Ave, Ocean Grove
- Provident Bank, 517 Prospect Ave, Little Silver
- Provident Bank, 636 River Rd, Fair Haven
- TD Bank, National Association, 4057 Asbury Ave, Tinton Falls
- Wells Fargo Bank, National Association, 3 Route 9, Manalapan
- Wells Fargo Bank, National Association, 33 Beach Rd, Monmouth Beach
Get told when this changes
When the next year’s lending figures are out for Monmouth 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.