Home purchase lenders in Monmouth County
6,722 home purchase mortgages were made in Monmouth County, New Jersey, in 2025, by 397 lenders. The median rate their borrowers got was 6.625% on a median loan of $515,000. Of 7,756 decisions, 789 were denials — 10.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 496 | 6.750% | $520,000 | 2.5% |
| Advisors Mortgage Group, L.L.C. | 431 | 6.625% | $445,000 | 3.5% |
| GUARANTEED RATE, INC. | 249 | 6.500% | $495,000 | 3.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 235 | 6.625% | $515,000 | 12.2% |
| JPMorgan Chase Bank, National Association | 196 | 6.375% | $555,000 | 9.1% |
| Rocket Mortgage, LLC | 190 | 6.625% | $505,000 | 11.9% |
| Loandepot.Com, LLC | 173 | 6.625% | $495,000 | 5.4% |
| TOLL BROTHERS MORTGAGE COMPANY | 139 | 6.490% | $655,000 | 9.0% |
| OceanFirst Bank, National Association | 137 | 6.375% | $465,000 | 1.3% |
| CMG MORTGAGE, INC. | 134 | 6.750% | $460,000 | 6.7% |
| Citizens Bank, National Association | 132 | 6.250% | $650,000 | 13.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 122 | 6.688% | $450,000 | 1.6% |
| Bank of America, National Association | 120 | 5.990% | $560,000 | 20.0% |
| Manasquan Bank | 119 | 6.625% | $495,000 | 3.2% |
| The Federal Savings Bank | 110 | 6.625% | $465,000 | 2.7% |
| PENNYMAC LOAN SERVICES, LLC | 109 | 6.625% | $555,000 | 11.9% |
| NVR Mortgage Finance, Inc. | 104 | 6.563% | $565,000 | 38.1% |
| Wells Fargo Bank, National Association | 103 | 6.125% | $655,000 | 10.4% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 98 | 6.688% | $485,000 | 2.0% |
| TD Bank, National Association | 95 | 6.375% | $555,000 | 20.8% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 95 | 6.875% | $635,000 | 16.7% |
| LENNAR MORTGAGE, LLC | 93 | 5.250% | $615,000 | 7.0% |
| FM Home Loans, LLC | 84 | 6.875% | $605,000 | 1.1% |
| Paramount Residential Mortgage Group, Inc. | 83 | 6.500% | $495,000 | 0.0% |
| U.S. Bank National Association | 81 | 6.375% | $675,000 | 10.6% |
| DHI MORTGAGE COMPANY, LTD. | 77 | 6.500% | $535,000 | 3.7% |
| Loan Funder LLC | 70 | 9.990% | $435,000 | 19.5% |
| Morgan Stanley Private Bank, National Association | 66 | 5.863% | $840,000 | 1.3% |
| GUARANTEED RATE AFFINITY, LLC | 63 | 6.375% | $475,000 | 1.5% |
| Luminate Bank | 56 | 6.625% | $575,000 | 1.7% |
| NJ LENDERS CORP. | 54 | 6.625% | $465,000 | 1.8% |
| Prosperity Home Mortgage, LLC | 51 | 6.875% | $475,000 | 5.6% |
| Kearny Bank | 50 | 6.125% | $425,000 | 10.5% |
| NEWREZ LLC | 48 | 6.875% | $510,000 | 15.8% |
| Fairway Independent Mortgage Corporation | 46 | 6.875% | $500,000 | 7.8% |
| Kiavi Funding, Inc. | 44 | 10.495% | $480,000 | 5.9% |
| AMERIHOME MORTGAGE COMPANY, LLC | 43 | 6.625% | $485,000 | 14.0% |
| Citibank, National Association | 42 | 6.125% | $765,000 | 10.2% |
| Skyrock Mortgage Corp | 42 | 6.490% | $480,000 | 0.0% |
| THE LOAN STORE, INC. | 41 | 7.000% | $535,000 | 10.5% |
| PNC Bank, National Association | 40 | 6.375% | $510,000 | 21.2% |
| Manufacturers and Traders Trust Company | 40 | 5.750% | $655,000 | 13.0% |
| ARK MORTGAGE, INC. | 37 | 7.125% | $545,000 | 4.7% |
| Broker Solutions, Inc. | 37 | 6.875% | $405,000 | 0.0% |
| PULTE MORTGAGE LLC | 34 | 6.563% | $575,000 | 10.5% |
| NQM FUNDING, LLC | 34 | 7.687% | $475,000 | 5.3% |
| ATLANTIS MORTGAGE CO., INC. | 31 | 6.624% | $495,000 | 8.8% |
| Cornerstone First Mortgage, Inc | 31 | 7.000% | $475,000 | 3.1% |
| Mortgage Research Center, LLC | 30 | 6.125% | $545,000 | 3.2% |
| BOND STREET MORTGAGE, LLC | 30 | 6.625% | $555,000 | 9.1% |
| MORTGAGE ACCESS CORP. | 29 | 6.625% | $525,000 | 6.5% |
| KIND LENDING, LLC | 29 | 6.625% | $545,000 | 25.6% |
| AMERICAN FINANCIAL NETWORK, INC. | 29 | 6.750% | $455,000 | 6.3% |
| EMBRACE HOME LOANS, INC. | 29 | 6.625% | $595,000 | 3.2% |
| Navy Federal Credit Union | 28 | 6.000% | $635,000 | 12.5% |
| Provident Bank | 28 | 6.500% | $460,000 | 3.5% |
| Fulton Bank, National Association | 28 | 6.500% | $920,000 | 6.7% |
| FIRST COLONY MORTGAGE CORPORATION | 27 | 6.750% | $505,000 | 5.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 27 | 6.500% | $565,000 | 6.9% |
| GREENWAY MORTGAGE FUNDING CORP. | 26 | 6.875% | $530,000 | 0.0% |
| A&D Mortgage LLC | 25 | 6.625% | $465,000 | 16.7% |
| MOVEMENT MORTGAGE, LLC | 24 | 6.750% | $430,000 | 7.5% |
| UNION HOME MORTGAGE CORP. | 23 | 6.375% | $515,000 | 8.0% |
| Valley National Bank | 22 | 5.995% | $440,000 | 16.7% |
| EMM LOANS LLC | 21 | 6.625% | $425,000 | 4.6% |
| BETTER MORTGAGE CORPORATION | 19 | 6.500% | $735,000 | 20.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 19 | 6.625% | $445,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 19 | 8.375% | $475,000 | 20.8% |
| Stifel Bank and Trust | 19 | 6.375% | $585,000 | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 18 | 6.250% | $495,000 | 10.0% |
| Commerce Home Mortgage, Inc. | 18 | 7.808% | $370,000 | 10.0% |
| Webster Bank, National Association | 18 | 6.250% | $1,115,000 | 5.0% |
| MILLENIUM HOME MORTGAGE, LLC | 18 | 6.250% | $505,000 | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 17 | 7.000% | $525,000 | 10.0% |
| TIDEWATER MORTGAGE SERVICES, INC. | 17 | 6.625% | $505,000 | 0.0% |
| 21st Mortgage Corporation | 16 | 10.700% | $95,000 | 73.8% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 16 | 6.563% | $515,000 | 0.0% |
| Citadel Servicing Corporation | 16 | 7.500% | $575,000 | 0.0% |
| Columbia Bank | 16 | 6.375% | $405,000 | 5.0% |
| MLD MORTGAGE INC. | 16 | 6.563% | $475,000 | 10.5% |
| PLAZA HOME MORTGAGE, INC. | 15 | 6.875% | $475,000 | 31.8% |
| CONTOUR MORTGAGE CORPORATION | 15 | 6.875% | $555,000 | 0.0% |
| Emporium TPO LLC | 15 | 6.875% | $475,000 | 0.0% |
| Truist Bank | 14 | 5.978% | $895,000 | 22.2% |
| Gateway First Bank | 14 | 6.813% | $395,000 | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 13 | 8.630% | $115,000 | 48.0% |
| UNITED MORTGAGE CORP. | 13 | 6.750% | $435,000 | 5.3% |
| ARC HOME LLC | 13 | 7.750% | $595,000 | 0.0% |
| AFFINITY | 13 | 5.125% | $425,000 | 18.8% |
| Unity Bank | 13 | 7.125% | $475,000 | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 13 | 9.750% | $455,000 | 0.0% |
| CLIFFCO, INC. | 13 | 7.500% | $705,000 | 0.0% |
| ICE LENDER HOLDINGS LLC | 12 | 7.000% | $595,000 | 45.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 12 | 6.625% | $650,000 | 20.0% |
| Flagstar Bank, N.A. | 12 | 6.313% | $640,000 | 45.5% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 12 | 7.313% | $555,000 | 20.0% |
| Charles Schwab Bank, SSB | 12 | 5.613% | $585,000 | 14.3% |
| PINNACLE MORTGAGE, INC. | 12 | 6.500% | $565,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 11 | 6.990% | $535,000 | 0.0% |
| HARBORONE MORTGAGE, LLC | 11 | 6.625% | $405,000 | 0.0% |
| NBKC BANK | 10 | 6.188% | $700,000 | 16.7% |
| DEEPHAVEN MORTGAGE LLC | 10 | 6.875% | $430,000 | 26.7% |
| Logan Finance Corporation | 10 | 7.062% | $580,000 | 0.0% |
| UBS Bank USA | 10 | 5.813% | $840,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 10 | 7.313% | $440,000 | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| JMAC LENDING, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| First National Bank of America | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| PANORAMA MORTGAGE GROUP, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 23.1% |
| NATIONS DIRECT MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Amboy Bank | 8 | Under 10 loans | Under 10 loans | 10.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 11.1% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Bethpage Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Bogota Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 7 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Peapack-Gladstone Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| USAA Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 45.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 12.5% |
| KWIK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Mortgage Right | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LENDSURE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| KEYSTONE FUNDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MDE HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| US MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Royal Business Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PRINCETON MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Metro City Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 14.3% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Axos Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Spencer Savings Bank, SLA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Colonial Community Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Princeton Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GLENDENNING MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 3 | Under 10 loans | Under 10 loans | 70.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Municipal Credit Union | 3 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANT HOME FUNDING, INC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ATLANTIC FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Goldman Sachs Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Somerset Regal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 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 197 lenders each made 3 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.