Refinancing lenders in Monmouth County
2,527 refinancing mortgages were made in Monmouth County, New Jersey, in 2025, by 280 lenders. The median rate their borrowers got was 6.490% on a median loan of $415,000. Of 3,373 decisions, 691 were denials — 20.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Citizens Bank, National Association | 232 | 7.400% | $305,000 | 29.0% |
| TD Bank, National Association | 193 | 7.340% | $255,000 | 25.2% |
| PNC Bank, National Association | 175 | 8.000% | $205,000 | 29.4% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 173 | 5.998% | $565,000 | 6.3% |
| Rocket Mortgage, LLC | 172 | 5.990% | $520,000 | 15.9% |
| Bank of America, National Association | 152 | 5.990% | $205,000 | 32.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 89 | 6.075% | $575,000 | 2.2% |
| Manasquan Bank | 80 | 7.188% | $370,000 | 6.8% |
| PENNYMAC LOAN SERVICES, LLC | 70 | 5.990% | $555,000 | 6.3% |
| Third Federal Savings and Loan Association of Cleveland | 53 | 6.990% | $225,000 | 25.7% |
| FM Home Loans, LLC | 40 | 6.990% | $575,000 | 0.0% |
| Loandepot.Com, LLC | 40 | 5.995% | $630,000 | 2.4% |
| GUARANTEED RATE, INC. | 37 | 6.350% | $505,000 | 2.6% |
| FREEDOM MORTGAGE CORPORATION | 35 | 6.250% | $555,000 | 4.3% |
| JPMorgan Chase Bank, National Association | 35 | 6.125% | $485,000 | 17.4% |
| OceanFirst Bank, National Association | 30 | 7.688% | $250,000 | 3.0% |
| Advisors Mortgage Group, L.L.C. | 29 | 6.125% | $475,000 | 21.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 26 | 6.125% | $460,000 | 13.3% |
| NATIONSTAR MORTGAGE LLC | 25 | 5.990% | $505,000 | 10.7% |
| Amboy Bank | 24 | Not published | $215,000 | 16.7% |
| NEWREZ LLC | 23 | 5.990% | $555,000 | 20.7% |
| Manufacturers and Traders Trust Company | 23 | 5.740% | $445,000 | 36.6% |
| FINANCE OF AMERICA REVERSE LLC | 22 | 7.783% | $295,000 | 8.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 20 | 6.433% | $500,000 | 0.0% |
| CMG MORTGAGE, INC. | 18 | 6.875% | $355,000 | 20.0% |
| U.S. Bank National Association | 18 | 5.990% | $600,000 | 4.6% |
| VILLAGE CAPITAL & INVESTMENT LLC | 16 | 6.000% | $480,000 | 10.0% |
| NQM FUNDING, LLC | 16 | 7.374% | $795,000 | 12.5% |
| Wells Fargo Bank, National Association | 16 | 5.625% | $655,000 | 15.8% |
| LONGBRIDGE FINANCIAL, LLC | 16 | 6.125% | $375,000 | 14.3% |
| Discover Bank | 15 | 8.680% | $155,000 | 65.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 15 | 6.250% | $465,000 | 0.0% |
| Columbia Bank | 14 | 7.313% | $245,000 | 36.4% |
| Skyrock Mortgage Corp | 14 | 6.625% | $480,000 | 0.0% |
| PHH Mortgage Corporation | 13 | 6.250% | $415,000 | 18.8% |
| SPRING EQ, LLC | 12 | 8.250% | $225,000 | 45.5% |
| Lendage, LLC | 12 | 10.438% | $100,000 | 7.7% |
| Fulton Bank, National Association | 12 | 6.308% | $505,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 11 | 5.990% | $575,000 | 60.7% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.250% | $515,000 | 8.3% |
| Bethpage Federal Credit Union | 11 | 6.990% | $305,000 | 21.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 10 | 5.918% | $570,000 | 15.4% |
| SOUTH RIVER MORTGAGE, LLC | 10 | 8.990% | $500,000 | 0.0% |
| Northfield Bank | 10 | Not published | $255,000 | 15.4% |
| Luminate Bank | 10 | 6.058% | $615,000 | 0.0% |
| ICE LENDER HOLDINGS LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| BETTER MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| QUORUM FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 9.1% |
| ATLANTIS MORTGAGE CO., INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 8 | Under 10 loans | Under 10 loans | 9.1% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 61.1% |
| LADERA LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Fairway Independent Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Kearny Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERIHOME MORTGAGE COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| BOND STREET MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Citibank, National Association | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Provident Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Cornerstone First Mortgage, Inc | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Webster Bank, National Association | 5 | Under 10 loans | Under 10 loans | 28.6% |
| KWIK MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Axos Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ATLANTIC FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NJ LENDERS CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONVENTUS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ALLIED MORTGAGE GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 33.3% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northpointe Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HEALTHCARE EMPLOYEES | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GLENDENNING MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 60.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 66.7% |
| MISSION LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bogota Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 2 | Under 10 loans | Under 10 loans | 33.3% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| POLICE & FIRE | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Unity Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE FCU | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Genesis Capital, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Strong Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ascendia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE EQUITIES CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 14.3% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 20.0% |
| Kiavi Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Mid Penn Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magyar Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTELLILOAN, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| EMBRACE HOME LOANS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Connexus Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUXURY MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ARBOR REALTY TRUST, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MILLENIUM HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED TELETECH FINANCIAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CORNING CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valley National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Acre Mortgage & Financial, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WARSHAW CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED POLES FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sun East Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cazle Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FRANKLIN MINT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Independence Bank of Kentucky | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanscom Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FBC MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hanover Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREYSTONE SERVICING COMPANY LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALTRA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Newfield National Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN BANCSHARES MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GARDEN SAVINGS FEDERAL CREDIT UNION | 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 80 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.