Home purchase lenders in Passaic County
3,164 home purchase mortgages were made in Passaic County, New Jersey, in 2025, by 287 lenders. The median rate their borrowers got was 6.625% on a median loan of $485,000. Of 3,747 decisions, 463 were denials — 12.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 231 | 6.625% | $505,000 | 4.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 189 | 6.624% | $485,000 | 20.1% |
| GUARANTEED RATE, INC. | 168 | 6.500% | $485,000 | 6.6% |
| Paramount Residential Mortgage Group, Inc. | 112 | 6.500% | $540,000 | 3.5% |
| MOVEMENT MORTGAGE, LLC | 103 | 6.562% | $505,000 | 4.0% |
| Rocket Mortgage, LLC | 102 | 6.375% | $445,000 | 12.7% |
| Luminate Bank | 101 | 6.490% | $445,000 | 3.8% |
| CMG MORTGAGE, INC. | 98 | 6.625% | $485,000 | 7.4% |
| JPMorgan Chase Bank, National Association | 78 | 6.375% | $485,000 | 11.1% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 75 | 6.625% | $525,000 | 1.3% |
| NJ LENDERS CORP. | 74 | 6.625% | $460,000 | 2.6% |
| Loandepot.Com, LLC | 70 | 6.625% | $465,000 | 2.7% |
| CHAMPIONS FUNDING, LLC | 58 | 7.500% | $440,000 | 12.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 49 | 6.750% | $495,000 | 3.9% |
| Columbia Bank | 38 | 5.688% | $485,000 | 2.4% |
| Broker Solutions, Inc. | 37 | 6.625% | $535,000 | 2.6% |
| BOND STREET MORTGAGE, LLC | 35 | 6.375% | $445,000 | 2.8% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 35 | 6.750% | $535,000 | 2.4% |
| KIND LENDING, LLC | 33 | 6.500% | $535,000 | 24.4% |
| Valley National Bank | 33 | 6.250% | $435,000 | 16.3% |
| MLD MORTGAGE INC. | 33 | 6.250% | $625,000 | 5.3% |
| TD Bank, National Association | 32 | 6.608% | $420,000 | 50.8% |
| PENNYMAC LOAN SERVICES, LLC | 32 | 6.499% | $545,000 | 25.6% |
| UNION HOME MORTGAGE CORP. | 32 | 6.625% | $450,000 | 5.7% |
| FIRST COLONY MORTGAGE CORPORATION | 32 | 6.250% | $490,000 | 5.6% |
| Loan Funder LLC | 30 | 10.750% | $465,000 | 11.8% |
| Citizens Bank, National Association | 30 | 6.575% | $390,000 | 34.8% |
| NEWREZ LLC | 28 | 6.750% | $560,000 | 26.3% |
| U.S. Bank National Association | 26 | 6.375% | $475,000 | 18.8% |
| Wells Fargo Bank, National Association | 23 | 6.125% | $395,000 | 17.9% |
| Advisors Mortgage Group, L.L.C. | 23 | 6.500% | $475,000 | 14.8% |
| Bank of America, National Association | 22 | 5.990% | $365,000 | 37.8% |
| Skyrock Mortgage Corp | 22 | 6.563% | $425,000 | 4.4% |
| Kiavi Funding, Inc. | 22 | 10.250% | $490,000 | 4.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 21 | 9.615% | $415,000 | 0.0% |
| JMAC LENDING, INC. | 20 | 6.875% | $505,000 | 4.8% |
| MLB RESIDENTIAL LENDING, LLC | 20 | 6.625% | $505,000 | 8.7% |
| THE LOAN STORE, INC. | 18 | 7.125% | $440,000 | 0.0% |
| Unity Bank | 18 | 6.875% | $465,000 | 10.0% |
| Emporium TPO LLC | 18 | 7.433% | $560,000 | 5.3% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 17 | 6.875% | $455,000 | 5.6% |
| A&D Mortgage LLC | 17 | 7.125% | $515,000 | 26.1% |
| MORTGAGE ACCESS CORP. | 16 | 6.490% | $450,000 | 20.0% |
| UNITED MORTGAGE CORP. | 16 | 6.625% | $675,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 16 | 6.750% | $525,000 | 11.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 16 | 6.188% | $575,000 | 5.9% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 16 | 6.563% | $530,000 | 15.8% |
| Mortgage Research Center, LLC | 15 | 6.250% | $465,000 | 28.6% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 15 | 6.625% | $505,000 | 16.7% |
| PNC Bank, National Association | 15 | 6.375% | $335,000 | 34.8% |
| Fairway Independent Mortgage Corporation | 15 | 6.990% | $455,000 | 11.8% |
| EMM LOANS LLC | 15 | 6.625% | $545,000 | 0.0% |
| EMBRACE HOME LOANS, INC. | 15 | 6.750% | $455,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 14 | 6.688% | $580,000 | 0.0% |
| NFM, INC. | 14 | 6.750% | $570,000 | 12.5% |
| Commerce Home Mortgage, Inc. | 13 | 7.875% | $365,000 | 22.2% |
| GUARANTEED RATE AFFINITY, LLC | 13 | 6.500% | $365,000 | 0.0% |
| FM Home Loans, LLC | 13 | 6.990% | $625,000 | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 13 | 6.490% | $575,000 | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 13 | 6.125% | $565,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 12 | 7.375% | $465,000 | 43.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 12 | 6.563% | $555,000 | 7.7% |
| Provident Bank | 12 | 6.090% | $790,000 | 14.3% |
| Hometown Equity Mortgage, LLC | 12 | 7.563% | $495,000 | 25.0% |
| Equity Prime Mortgage LLC | 11 | 6.250% | $615,000 | 31.3% |
| POLISH & SLAVIC | 11 | Not published | $485,000 | 7.7% |
| Citibank, National Association | 10 | 6.125% | $465,000 | 33.3% |
| GUIDANCE RESIDENTIAL, LLC | 10 | 7.125% | $450,000 | 0.0% |
| 1ST PRIORITY MORTGAGE, INC. | 10 | 6.750% | $500,000 | 0.0% |
| UIF CORPORATION | 10 | 6.563% | $500,000 | 0.0% |
| Tomo Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| STG MORTGAGE INC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 35.7% |
| JET DIRECT FUNDING CORP | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Fulton Bank, National Association | 8 | Under 10 loans | Under 10 loans | 10.0% |
| RESICENTRAL, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NQM FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| OceanFirst Bank, National Association | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| TOWNE MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 10.0% |
| MILLENIUM HOME MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| CONTOUR MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 6 | Under 10 loans | Under 10 loans | 46.2% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Citadel Servicing Corporation | 6 | Under 10 loans | Under 10 loans | 10.0% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ARC HOME LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| NATIONSTAR MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Logan Finance Corporation | 5 | Under 10 loans | Under 10 loans | 37.5% |
| CARNEGIE MORTGAGE PARTNERS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Spencer Savings Bank, SLA | 5 | Under 10 loans | Under 10 loans | 16.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 25.0% |
| The Huntington National Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Prosperity Home Mortgage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| EVERETT FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NEXERA HOLDING LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| EAST COAST CAPITAL CORP. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 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% |
| HOMEXPRESS MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| LUXURY MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| CAKE MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| City National Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First National Bank of America | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Blue Foundry Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| North Jersey Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 60.0% |
| OCMBC, INC. | 2 | Under 10 loans | Under 10 loans | 16.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RELIANT HOME FUNDING, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 2 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FlexPoint, Inc. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| ARK MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| INTERSTATE HOME LOAN CENTER, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Presidential Bank, FSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SWBC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEW WAVE LENDING GROUP INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bogota Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SEMPER HOME LOANS, INC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Greenbox Loans, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Bank of Hope | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BAYPORT FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Ponce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 50.0% |
| US MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ascendia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 1 | Under 10 loans | Under 10 loans | 50.0% |
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.