Home purchase lenders in Somerset County
3,105 home purchase mortgages were made in Somerset County, New Jersey, in 2025, by 312 lenders. The median rate their borrowers got was 6.500% on a median loan of $475,000. Of 3,456 decisions, 260 were denials — 7.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 158 | 6.375% | $485,000 | 5.4% |
| CROSSCOUNTRY MORTGAGE, INC. | 146 | 6.625% | $475,000 | 4.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 139 | 6.625% | $465,000 | 10.8% |
| EMBRACE HOME LOANS, INC. | 130 | 6.625% | $520,000 | 0.0% |
| JPMorgan Chase Bank, National Association | 105 | 6.250% | $585,000 | 7.8% |
| GUARANTEED RATE AFFINITY, LLC | 96 | 6.625% | $450,000 | 1.0% |
| GUARANTEED RATE, INC. | 95 | 6.425% | $495,000 | 2.9% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 81 | 6.625% | $565,000 | 5.8% |
| Bank of America, National Association | 73 | 6.125% | $445,000 | 19.4% |
| TD Bank, National Association | 63 | 6.250% | $755,000 | 15.8% |
| MOVEMENT MORTGAGE, LLC | 57 | 6.500% | $445,000 | 4.0% |
| CMG MORTGAGE, INC. | 57 | 6.625% | $415,000 | 1.7% |
| PENNYMAC LOAN SERVICES, LLC | 49 | 6.499% | $455,000 | 13.8% |
| Advisors Mortgage Group, L.L.C. | 48 | 6.625% | $405,000 | 2.0% |
| AFFINITY | 46 | 5.000% | $420,000 | 13.2% |
| Valley National Bank | 46 | 5.625% | $175,000 | 9.6% |
| Wells Fargo Bank, National Association | 44 | 6.250% | $535,000 | 15.4% |
| Paramount Residential Mortgage Group, Inc. | 42 | 6.625% | $470,000 | 8.7% |
| Loandepot.Com, LLC | 41 | 6.625% | $425,000 | 4.7% |
| U.S. Bank National Association | 41 | 6.490% | $525,000 | 10.9% |
| UNION HOME MORTGAGE CORP. | 37 | 6.125% | $555,000 | 0.0% |
| Citizens Bank, National Association | 36 | 6.750% | $345,000 | 7.3% |
| MORTGAGE ACCESS CORP. | 36 | 6.625% | $495,000 | 7.7% |
| PNC Bank, National Association | 35 | 6.250% | $405,000 | 19.6% |
| Manufacturers and Traders Trust Company | 35 | 5.750% | $565,000 | 5.3% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 32 | 6.562% | $535,000 | 0.0% |
| Provident Bank | 30 | 6.125% | $435,000 | 16.7% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 29 | 6.625% | $335,000 | 14.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 29 | 6.500% | $585,000 | 0.0% |
| Prosperity Home Mortgage, LLC | 28 | 6.813% | $535,000 | 6.7% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 28 | 6.500% | $460,000 | 3.5% |
| Broker Solutions, Inc. | 25 | 6.625% | $485,000 | 3.9% |
| Fairway Independent Mortgage Corporation | 25 | 6.500% | $515,000 | 0.0% |
| OceanFirst Bank, National Association | 24 | 6.438% | $500,000 | 6.5% |
| Somerset Regal Bank | 24 | Not published | $445,000 | 4.0% |
| BOND STREET MORTGAGE, LLC | 23 | 6.500% | $445,000 | 4.2% |
| Mortgage Research Center, LLC | 21 | 5.990% | $545,000 | 0.0% |
| Kearny Bank | 21 | 5.990% | $345,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 20 | 6.490% | $480,000 | 0.0% |
| NEWREZ LLC | 19 | 6.875% | $485,000 | 9.5% |
| Luminate Bank | 19 | 6.375% | $455,000 | 5.0% |
| Kiavi Funding, Inc. | 19 | 10.240% | $455,000 | 4.8% |
| NJ LENDERS CORP. | 19 | 6.625% | $455,000 | 0.0% |
| Morgan Stanley Private Bank, National Association | 18 | 5.900% | $710,000 | 0.0% |
| United Nations Federal Credit Union | 18 | 5.750% | $525,000 | 0.0% |
| Citibank, National Association | 17 | 6.125% | $885,000 | 0.0% |
| KWIK MORTGAGE CORPORATION | 17 | 6.375% | $645,000 | 0.0% |
| THE LOAN STORE, INC. | 16 | 6.500% | $575,000 | 5.3% |
| MLD MORTGAGE INC. | 16 | 6.375% | $320,000 | 0.0% |
| Unity Bank | 16 | 7.000% | $470,000 | 5.9% |
| Navy Federal Credit Union | 15 | 6.125% | $445,000 | 6.3% |
| NATIONS DIRECT MORTGAGE, LLC | 15 | 6.625% | $555,000 | 6.3% |
| MLB RESIDENTIAL LENDING, LLC | 14 | 6.625% | $450,000 | 5.9% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 14 | 6.870% | $460,000 | 0.0% |
| KEYSTONE FUNDING, INC. | 14 | 6.375% | $495,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 13 | 6.625% | $405,000 | 13.3% |
| Fulton Bank, National Association | 13 | 6.500% | $825,000 | 27.8% |
| The Federal Savings Bank | 13 | 6.500% | $315,000 | 13.3% |
| MILLENIUM HOME MORTGAGE, LLC | 13 | 6.500% | $485,000 | 0.0% |
| Tomo Mortgage, LLC | 12 | 6.125% | $535,000 | 20.0% |
| PANORAMA MORTGAGE GROUP, LLC | 12 | 6.375% | $515,000 | 14.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 12 | 6.125% | $500,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 12 | 6.938% | $450,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.875% | $360,000 | 0.0% |
| NBKC BANK | 11 | 6.490% | $605,000 | 7.7% |
| General Mortgage Capital Corporation | 11 | 6.000% | $575,000 | 0.0% |
| Gateway First Bank | 11 | 6.250% | $385,000 | 0.0% |
| Peapack-Gladstone Bank | 11 | Not published | $295,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 10 | 6.250% | $515,000 | 9.1% |
| AMWEST FUNDING CORP. | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ALLIED MORTGAGE GROUP, INC. | 9 | Under 10 loans | Under 10 loans | 15.4% |
| Columbia Bank | 9 | Under 10 loans | Under 10 loans | 9.1% |
| First Federal Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Flagstar Bank, N.A. | 8 | Under 10 loans | Under 10 loans | 30.8% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NATIONSTAR MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 18.2% |
| Cornerstone First Mortgage, Inc | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 7 | Under 10 loans | Under 10 loans | 46.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 7 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Webster Bank, National Association | 7 | Under 10 loans | Under 10 loans | 22.2% |
| UIF CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| EMM LOANS LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 6 | Under 10 loans | Under 10 loans | 30.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| The Huntington National Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| DEVELOPER'S MORTGAGE COMPANY | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| POLISH & SLAVIC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Visions Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Metro City Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ConnectOne Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PULTE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Manasquan Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magyar Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| US MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Brighton Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HARBORONE MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLIFFCO, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 3 | Under 10 loans | Under 10 loans | 0.0% |
| J. VIRGIL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Spencer Savings Bank, SLA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Princeton Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Lusitania Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ascendia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Acre Mortgage & Financial, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Western Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Hope Bank, A National Banking Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UKRAINIAN NATIONAL FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northeast Equitable Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit East, ACA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PICATINNY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CTBC Bank Corp. (USA) | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANDREWS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| 2549005FUF02T1IFCA22 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LIMA ONE CAPITAL, LLC | 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 112 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Get told when this changes
When the next year’s lending figures are out for Somerset County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.