Mortgage lenders in Passaic County
6,997 mortgages were made in Passaic County, New Jersey, in 2025, by 411 lenders. The median rate their borrowers got was 6.874% on a median loan of $385,000. Of 10,218 decisions, 2,716 were denials — 26.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 392 | 6.750% | $275,000 | 22.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 344 | 6.500% | $455,000 | 21.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 332 | 6.750% | $475,000 | 8.9% |
| TD Bank, National Association | 236 | 7.540% | $155,000 | 44.7% |
| GUARANTEED RATE, INC. | 229 | 6.550% | $455,000 | 11.3% |
| PNC Bank, National Association | 202 | 7.790% | $125,000 | 49.9% |
| Citizens Bank, National Association | 199 | 7.400% | $205,000 | 38.5% |
| Valley National Bank | 192 | 6.490% | $165,000 | 24.9% |
| Loandepot.Com, LLC | 161 | 6.625% | $375,000 | 21.6% |
| Bank of America, National Association | 139 | 6.240% | $155,000 | 51.6% |
| MOVEMENT MORTGAGE, LLC | 139 | 6.625% | $465,000 | 10.8% |
| Paramount Residential Mortgage Group, Inc. | 138 | 6.500% | $520,000 | 4.2% |
| JPMorgan Chase Bank, National Association | 132 | 6.490% | $405,000 | 15.1% |
| CMG MORTGAGE, INC. | 130 | 6.625% | $465,000 | 10.1% |
| PENNYMAC LOAN SERVICES, LLC | 122 | 6.562% | $425,000 | 26.0% |
| Luminate Bank | 117 | 6.490% | $445,000 | 3.3% |
| CHAMPIONS FUNDING, LLC | 115 | 7.500% | $315,000 | 14.8% |
| Columbia Bank | 110 | 6.500% | $255,000 | 29.5% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 107 | 6.625% | $465,000 | 0.9% |
| Visions Federal Credit Union | 92 | 7.250% | $165,000 | 41.7% |
| NEWREZ LLC | 81 | 6.875% | $345,000 | 48.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 80 | 10.098% | $160,000 | 16.3% |
| NJ LENDERS CORP. | 79 | 6.625% | $455,000 | 2.4% |
| SPRING EQ, LLC | 78 | 9.113% | $100,000 | 59.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 72 | 6.625% | $485,000 | 5.2% |
| Provident Bank | 71 | 7.000% | $105,000 | 36.8% |
| FREEDOM MORTGAGE CORPORATION | 66 | 6.500% | $430,000 | 20.8% |
| NATIONSTAR MORTGAGE LLC | 62 | 7.750% | $210,000 | 21.5% |
| Broker Solutions, Inc. | 57 | 6.625% | $485,000 | 29.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 56 | 6.933% | $500,000 | 1.6% |
| Loan Funder LLC | 54 | 10.250% | $465,000 | 10.0% |
| MLD MORTGAGE INC. | 54 | 6.563% | $560,000 | 4.9% |
| Manufacturers and Traders Trust Company | 50 | 5.990% | $140,000 | 52.9% |
| FIGURE LENDING LLC | 49 | 9.450% | $85,000 | 34.5% |
| FIRST COLONY MORTGAGE CORPORATION | 49 | 6.624% | $475,000 | 7.0% |
| Wells Fargo Bank, National Association | 48 | 6.438% | $320,000 | 25.0% |
| KIND LENDING, LLC | 47 | 6.625% | $485,000 | 27.3% |
| BOND STREET MORTGAGE, LLC | 46 | 6.500% | $430,000 | 2.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 44 | 9.865% | $410,000 | 0.0% |
| U.S. Bank National Association | 43 | 6.625% | $395,000 | 53.3% |
| THE LOAN STORE, INC. | 41 | 7.250% | $435,000 | 6.8% |
| Coastal Community Bank | 37 | 10.740% | $105,000 | 2.3% |
| Skyrock Mortgage Corp | 37 | 6.625% | $495,000 | 2.6% |
| Navy Federal Credit Union | 36 | 7.950% | $165,000 | 50.7% |
| UNION HOME MORTGAGE CORP. | 36 | 6.625% | $445,000 | 7.5% |
| AmeriSave Mortgage Corporation | 35 | 8.625% | $105,000 | 63.6% |
| Emporium TPO LLC | 33 | 7.250% | $525,000 | 22.0% |
| Kiavi Funding, Inc. | 31 | 9.950% | $425,000 | 8.6% |
| North Jersey Federal Credit Union | 29 | 6.750% | $85,000 | 27.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 27 | 7.840% | $135,000 | 22.9% |
| MLB RESIDENTIAL LENDING, LLC | 27 | 6.750% | $485,000 | 6.7% |
| Advisors Mortgage Group, L.L.C. | 26 | 6.438% | $500,000 | 12.9% |
| Third Federal Savings and Loan Association of Cleveland | 25 | 6.990% | $155,000 | 43.5% |
| Logan Finance Corporation | 25 | 7.249% | $535,000 | 19.4% |
| A&D Mortgage LLC | 25 | 7.125% | $455,000 | 24.2% |
| Lendage, LLC | 25 | 10.250% | $75,000 | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 24 | 6.688% | $485,000 | 17.2% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 24 | 6.625% | $485,000 | 4.0% |
| Commerce Home Mortgage, Inc. | 23 | 7.250% | $425,000 | 20.0% |
| Spencer Savings Bank, SLA | 23 | Not published | $465,000 | 25.8% |
| UNITED MORTGAGE CORP. | 23 | 6.625% | $535,000 | 3.2% |
| POLISH & SLAVIC | 22 | Not published | $255,000 | 20.7% |
| JMAC LENDING, INC. | 22 | 6.875% | $500,000 | 4.4% |
| Citibank, National Association | 21 | 6.250% | $355,000 | 34.4% |
| Fairway Independent Mortgage Corporation | 21 | 6.990% | $445,000 | 12.5% |
| Unity Bank | 21 | 6.875% | $435,000 | 19.2% |
| BETTER MORTGAGE CORPORATION | 20 | 8.563% | $165,000 | 48.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 20 | 6.625% | $330,000 | 35.3% |
| GUARANTEED RATE AFFINITY, LLC | 20 | 6.500% | $505,000 | 0.0% |
| Mortgage Research Center, LLC | 19 | 6.250% | $475,000 | 47.2% |
| AFFINITY | 19 | 4.900% | $125,000 | 44.4% |
| PLAZA HOME MORTGAGE, INC. | 19 | 6.990% | $435,000 | 44.7% |
| QUORUM FEDERAL CREDIT UNION | 19 | 8.625% | $155,000 | 38.2% |
| Fulton Bank, National Association | 19 | 6.000% | $415,000 | 20.0% |
| Greater Alliance Federal Credit Union | 18 | 7.500% | $105,000 | 41.9% |
| Equity Prime Mortgage LLC | 18 | 6.438% | $515,000 | 30.8% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 18 | 6.625% | $490,000 | 18.2% |
| Hometown Equity Mortgage, LLC | 18 | 7.500% | $500,000 | 41.9% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 18 | 6.125% | $480,000 | 10.0% |
| Cornerstone First Mortgage, Inc | 18 | 6.750% | $550,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.188% | $575,000 | 10.0% |
| Discover Bank | 17 | 8.650% | $115,000 | 84.6% |
| DEEPHAVEN MORTGAGE LLC | 17 | 7.500% | $375,000 | 52.8% |
| EMM LOANS LLC | 17 | 6.625% | $535,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 17 | 6.750% | $435,000 | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 16 | 7.625% | $495,000 | 43.2% |
| Citadel Servicing Corporation | 16 | 7.938% | $465,000 | 7.4% |
| NFM, INC. | 16 | 6.750% | $535,000 | 11.1% |
| FM Home Loans, LLC | 16 | 6.870% | $655,000 | 0.0% |
| MORTGAGE ACCESS CORP. | 16 | 6.490% | $450,000 | 20.0% |
| ALLIANT CREDIT UNION | 16 | 9.375% | $140,000 | 27.3% |
| ABL RPC Residential Credit Acquisition LLC | 16 | 7.500% | $525,000 | 19.1% |
| PENTAGON FEDERAL CREDIT UNION | 15 | 7.375% | $105,000 | 44.4% |
| Bethpage Federal Credit Union | 15 | 6.490% | $185,000 | 28.6% |
| AMWEST FUNDING CORP. | 15 | 7.500% | $425,000 | 6.3% |
| ICE LENDER HOLDINGS LLC | 14 | 7.250% | $425,000 | 6.7% |
| LAKEVIEW LOAN SERVICING, LLC | 13 | 6.750% | $315,000 | 67.6% |
| Northpointe Bank | 13 | 6.625% | $405,000 | 31.6% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 13 | 6.125% | $545,000 | 7.1% |
| OceanFirst Bank, National Association | 13 | 6.375% | $425,000 | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 13 | 6.125% | $565,000 | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 13 | 6.490% | $575,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 12 | 7.125% | $430,000 | 0.0% |
| CAKE MORTGAGE CORP. | 12 | 7.500% | $340,000 | 0.0% |
| UIF CORPORATION | 12 | 6.563% | $500,000 | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 12 | 7.750% | $500,000 | 0.0% |
| STG MORTGAGE INC | 11 | 6.625% | $635,000 | 14.3% |
| BPL MORTGAGE TRUST, LLC | 11 | 7.750% | $555,000 | 22.2% |
| HOMEXPRESS MORTGAGE CORP. | 11 | 6.750% | $545,000 | 38.9% |
| Municipal Credit Union | 11 | 6.875% | $105,000 | 21.4% |
| JET DIRECT FUNDING CORP | 11 | 6.990% | $455,000 | 15.4% |
| Brighton Bank | 11 | 6.750% | $495,000 | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 11 | 6.750% | $485,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 6.563% | $355,000 | 56.4% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 10 | 6.438% | $395,000 | 0.0% |
| Flagstar Bank, N.A. | 10 | 6.794% | $535,000 | 41.2% |
| ALLIED MORTGAGE GROUP, INC. | 10 | 6.188% | $340,000 | 7.7% |
| NQM FUNDING, LLC | 10 | 7.624% | $610,000 | 25.0% |
| MILLENIUM HOME MORTGAGE, LLC | 10 | 6.125% | $450,000 | 9.1% |
| PHH Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Tomo Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NEXERA HOLDING LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Kearny Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| RESICENTRAL, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 25.0% |
| PROPONENT Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 28.6% |
| SUCCESS MORTGAGE PARTNERS, INC. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| AMERIHOME MORTGAGE COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| USALLIANCE FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| BoxCar Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 8 | Under 10 loans | Under 10 loans | 38.5% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| LIMA ONE CAPITAL, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| Quontic Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PINNACLE MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 7 | Under 10 loans | Under 10 loans | 16.7% |
| OCMBC, INC. | 7 | Under 10 loans | Under 10 loans | 11.8% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 36.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| CONTOUR MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 10.0% |
| PICATINNY FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Morgan Stanley Private Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 11.1% |
| EAST COAST CAPITAL CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 11.1% |
| Ascendia Bank | 6 | Under 10 loans | Under 10 loans | 12.5% |
| GARDEN SAVINGS FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Prosperity Home Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Foundry Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ARBOR REALTY TRUST, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| CARNEGIE MORTGAGE PARTNERS, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 22.2% |
| SUN WEST MORTGAGE COMPANY, INC. | 5 | Under 10 loans | Under 10 loans | 12.5% |
| WALL STREET MORTGAGE BANKERS, LTD. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Home Mortgage Alliance Corporation (HMAC) | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ion Bank | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TOWER Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 37.5% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 5 | Under 10 loans | Under 10 loans | 28.6% |
| 984500RF83EA742B5589 | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ConnectOne Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| 254900M2C4Q6DATP2889 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| LUXURY MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LoanUnited.com, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 4 | Under 10 loans | Under 10 loans | 33.3% |
| KWIK MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Bogota Savings Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| LONGBRIDGE FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| LENDSURE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 20.0% |
| KEYSTONE FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MERIDIAN BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 71.4% |
| FlexPoint, Inc. | 3 | Under 10 loans | Under 10 loans | 16.7% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 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 211 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Passaic County
96 FDIC-insured branches from 19 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Valley National Bank | 17 | $15.6 billion |
| Wells Fargo Bank, National Association | 12 | $1.5 billion |
| TD Bank, National Association | 10 | $1.9 billion |
| PNC Bank, National Association | 10 | $1.4 billion |
| Provident Bank | 9 | $1.4 billion |
| Columbia Bank | 9 | $942.3 million |
| JPMorgan Chase Bank, National Association | 8 | $1.6 billion |
| Bank of America, National Association | 4 | $909.9 million |
| Kearny Bank | 3 | $370.1 million |
| Spencer Savings Bank, SLA | 3 | $331.1 million |
| Manufacturers and Traders Trust Company | 3 | $174.5 million |
| Citibank, National Association | 1 | $303.0 million |
| Capital One, National Association | 1 | $273.0 million |
| Alma Bank | 1 | $152.1 million |
| Citizens Bank, National Association | 1 | $68.2 million |
| Ascendia Bank | 1 | $66.7 million |
| Blue Foundry Bank | 1 | $52.2 million |
| Bogota Savings Bank | 1 | $28.6 million |
| Crown Bank | 1 | $5.7 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- TD Bank, National Association, 418 Belmont Ave, Haledon
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When the next year’s lending figures are out for Passaic 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.