Mortgage lenders in Union County
8,654 mortgages were made in Union County, New Jersey, in 2025, by 460 lenders. The median rate their borrowers got was 6.688% on a median loan of $415,000. Of 12,325 decisions, 3,058 were denials — 24.8%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 527 | 6.875% | $255,000 | 18.2% |
| Citizens Bank, National Association | 453 | 7.400% | $205,000 | 34.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 406 | 6.375% | $485,000 | 19.2% |
| Bank of America, National Association | 375 | 5.990% | $205,000 | 39.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 316 | 6.625% | $525,000 | 10.7% |
| TD Bank, National Association | 302 | 7.340% | $250,000 | 35.0% |
| PNC Bank, National Association | 242 | 7.750% | $155,000 | 32.3% |
| GUARANTEED RATE, INC. | 236 | 6.500% | $555,000 | 10.0% |
| JPMorgan Chase Bank, National Association | 217 | 6.375% | $515,000 | 14.4% |
| Loandepot.Com, LLC | 192 | 6.750% | $385,000 | 18.6% |
| PENNYMAC LOAN SERVICES, LLC | 169 | 6.499% | $485,000 | 24.0% |
| GUARANTEED RATE AFFINITY, LLC | 166 | 6.525% | $680,000 | 1.8% |
| Paramount Residential Mortgage Group, Inc. | 144 | 6.500% | $535,000 | 7.0% |
| AFFINITY | 126 | 4.900% | $150,000 | 32.8% |
| CMG MORTGAGE, INC. | 122 | 6.750% | $445,000 | 9.3% |
| Valley National Bank | 104 | 6.490% | $305,000 | 23.8% |
| Provident Bank | 102 | 6.563% | $445,000 | 24.5% |
| Wells Fargo Bank, National Association | 101 | 6.000% | $655,000 | 19.7% |
| NEWREZ LLC | 97 | 6.990% | $335,000 | 49.2% |
| MOVEMENT MORTGAGE, LLC | 97 | 6.750% | $475,000 | 11.9% |
| Manufacturers and Traders Trust Company | 89 | 5.990% | $405,000 | 40.9% |
| CHAMPIONS FUNDING, LLC | 86 | 7.500% | $465,000 | 18.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 83 | 6.625% | $505,000 | 8.8% |
| FREEDOM MORTGAGE CORPORATION | 81 | 6.250% | $445,000 | 17.5% |
| SPRING EQ, LLC | 80 | 9.225% | $110,000 | 63.6% |
| Broker Solutions, Inc. | 71 | 6.750% | $455,000 | 22.1% |
| THE LOAN STORE, INC. | 70 | 7.250% | $455,000 | 17.6% |
| Loan Funder LLC | 69 | 9.750% | $475,000 | 16.9% |
| Citibank, National Association | 68 | 6.063% | $705,000 | 12.8% |
| FIRST COLONY MORTGAGE CORPORATION | 65 | 6.625% | $555,000 | 10.2% |
| U.S. Bank National Association | 61 | 6.375% | $495,000 | 39.1% |
| NATIONSTAR MORTGAGE LLC | 61 | 7.750% | $205,000 | 21.0% |
| Navy Federal Credit Union | 60 | 7.750% | $200,000 | 52.2% |
| UNION HOME MORTGAGE CORP. | 59 | 6.500% | $495,000 | 3.0% |
| Columbia Bank | 56 | 6.740% | $285,000 | 27.8% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 56 | 6.625% | $505,000 | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 54 | 7.063% | $450,000 | 3.2% |
| Municipal Credit Union | 53 | 5.625% | $785,000 | 23.2% |
| KIND LENDING, LLC | 51 | 6.750% | $505,000 | 27.8% |
| FIGURE LENDING LLC | 50 | 9.175% | $105,000 | 36.6% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 50 | 10.145% | $210,000 | 21.4% |
| EMBRACE HOME LOANS, INC. | 49 | 6.375% | $635,000 | 3.8% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 48 | 6.750% | $510,000 | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 47 | 7.490% | $155,000 | 22.6% |
| A&D Mortgage LLC | 45 | 6.875% | $515,000 | 16.1% |
| NJ LENDERS CORP. | 45 | 6.625% | $535,000 | 7.7% |
| PANORAMA MORTGAGE GROUP, LLC | 44 | 6.250% | $555,000 | 4.4% |
| Third Federal Savings and Loan Association of Cleveland | 43 | 6.990% | $155,000 | 39.5% |
| OceanFirst Bank, National Association | 42 | 6.313% | $505,000 | 5.6% |
| Kiavi Funding, Inc. | 42 | 9.950% | $475,000 | 14.0% |
| Morgan Stanley Private Bank, National Association | 40 | 5.863% | $925,000 | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 39 | 6.875% | $505,000 | 19.6% |
| Luminate Bank | 39 | 6.375% | $665,000 | 0.0% |
| AmeriSave Mortgage Corporation | 38 | 8.438% | $90,000 | 70.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 36 | 6.433% | $410,000 | 27.8% |
| Emporium TPO LLC | 36 | 7.490% | $485,000 | 2.3% |
| BETTER MORTGAGE CORPORATION | 35 | 8.125% | $205,000 | 43.9% |
| BOND STREET MORTGAGE, LLC | 34 | 6.500% | $470,000 | 10.5% |
| Northfield Bank | 33 | Not published | $155,000 | 32.7% |
| Coastal Community Bank | 32 | 10.490% | $90,000 | 2.3% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 32 | 9.928% | $370,000 | 0.0% |
| Logan Finance Corporation | 31 | 7.124% | $425,000 | 27.3% |
| Fairway Independent Mortgage Corporation | 30 | 6.990% | $465,000 | 15.8% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 30 | 6.250% | $460,000 | 9.1% |
| Advisors Mortgage Group, L.L.C. | 30 | 6.563% | $545,000 | 11.8% |
| MILLENIUM HOME MORTGAGE, LLC | 30 | 6.625% | $450,000 | 0.0% |
| Cornerstone First Mortgage, Inc | 28 | 6.688% | $570,000 | 0.0% |
| BPL MORTGAGE TRUST, LLC | 28 | 7.188% | $490,000 | 16.2% |
| Hometown Equity Mortgage, LLC | 27 | 7.250% | $485,000 | 43.8% |
| PENTAGON FEDERAL CREDIT UNION | 26 | 7.563% | $240,000 | 43.5% |
| Mortgage Research Center, LLC | 26 | 6.250% | $570,000 | 29.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 26 | 6.813% | $535,000 | 13.3% |
| Lendage, LLC | 26 | 11.000% | $70,000 | 21.1% |
| Peapack-Gladstone Bank | 26 | Not published | $500,000 | 3.7% |
| AMWEST FUNDING CORP. | 24 | 6.500% | $510,000 | 4.0% |
| Bethpage Federal Credit Union | 23 | 6.490% | $195,000 | 45.2% |
| ARK MORTGAGE, INC. | 22 | 7.063% | $420,000 | 4.2% |
| ABL RPC Residential Credit Acquisition LLC | 22 | 11.625% | $540,000 | 0.0% |
| Discover Bank | 21 | 8.280% | $105,000 | 79.3% |
| Flagstar Bank, N.A. | 21 | 6.500% | $415,000 | 46.5% |
| TOWER Federal Credit Union | 21 | 7.000% | $255,000 | 24.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 21 | 6.625% | $515,000 | 16.0% |
| ALLIANT CREDIT UNION | 20 | 8.125% | $135,000 | 42.9% |
| ICE LENDER HOLDINGS LLC | 20 | 7.500% | $510,000 | 13.0% |
| MORTGAGE ACCESS CORP. | 20 | 6.625% | $495,000 | 0.0% |
| MERCK EMPLOYEES FCU | 20 | Not published | $195,000 | 4.4% |
| Nations Lending Corporation | 19 | 6.750% | $475,000 | 8.3% |
| Fulton Bank, National Association | 18 | 6.433% | $985,000 | 34.5% |
| The Federal Savings Bank | 18 | 6.313% | $480,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 17 | 8.625% | $135,000 | 67.6% |
| UNITED MORTGAGE CORP. | 17 | 6.750% | $545,000 | 12.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 17 | 5.990% | $535,000 | 14.3% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 16 | 6.500% | $555,000 | 5.9% |
| Kearny Bank | 16 | 5.813% | $480,000 | 11.1% |
| Lusitania Savings Bank | 16 | Not published | $335,000 | 11.1% |
| USALLIANCE FEDERAL CREDIT UNION | 16 | 7.938% | $360,000 | 5.9% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 16 | 7.375% | $440,000 | 0.0% |
| Equity Prime Mortgage LLC | 15 | 6.875% | $545,000 | 31.8% |
| Commerce Home Mortgage, Inc. | 15 | 7.375% | $525,000 | 25.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 15 | 9.750% | $505,000 | 0.0% |
| PHH Mortgage Corporation | 14 | 5.933% | $395,000 | 11.8% |
| OCMBC, INC. | 14 | 7.938% | $485,000 | 19.2% |
| CONSTRUCTIVE LOANS, LLC | 14 | 7.125% | $410,000 | 18.2% |
| CONTOUR MORTGAGE CORPORATION | 14 | 6.625% | $590,000 | 0.0% |
| Unity Bank | 14 | 6.750% | $490,000 | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 14 | 7.563% | $500,000 | 22.2% |
| PINNACLE MORTGAGE, INC. | 14 | 6.433% | $490,000 | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 13 | 6.250% | $495,000 | 26.5% |
| QUORUM FEDERAL CREDIT UNION | 13 | 10.250% | $135,000 | 48.6% |
| NEXERA HOLDING LLC | 13 | 7.250% | $515,000 | 17.7% |
| ALLIED MORTGAGE GROUP, INC. | 13 | 6.625% | $485,000 | 22.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 13 | 5.995% | $775,000 | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 13 | 5.875% | $565,000 | 7.1% |
| EMM LOANS LLC | 13 | 6.625% | $645,000 | 6.7% |
| ARC HOME LLC | 13 | 7.375% | $485,000 | 18.8% |
| FINANCE OF AMERICA REVERSE LLC | 13 | 6.500% | $325,000 | 7.1% |
| Spencer Savings Bank, SLA | 13 | Not published | $210,000 | 0.0% |
| NQM FUNDING, LLC | 13 | 7.499% | $495,000 | 6.7% |
| Somerset Regal Bank | 13 | Not published | $545,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 12 | 6.562% | $400,000 | 59.6% |
| Citadel Servicing Corporation | 12 | 7.313% | $450,000 | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 12 | 7.188% | $495,000 | 35.0% |
| Prosperity Home Mortgage, LLC | 12 | 6.688% | $415,000 | 0.0% |
| The Atlantic Federal Credit Union | 12 | 6.820% | $105,000 | 29.4% |
| UNITED POLES FEDERAL CREDIT UNION | 12 | Not published | $155,000 | 0.0% |
| Visions Federal Credit Union | 11 | 7.250% | $105,000 | 54.2% |
| POLICE & FIRE | 11 | 6.240% | $125,000 | 31.3% |
| DEEPHAVEN MORTGAGE LLC | 11 | 7.875% | $495,000 | 35.3% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 11 | 9.625% | $855,000 | 8.3% |
| Tomo Mortgage, LLC | 10 | 6.495% | $535,000 | 9.1% |
| AMERICAN HERITAGE LENDING, LLC | 10 | 7.438% | $500,000 | 5.9% |
| Quontic Bank | 10 | 8.313% | $445,000 | 9.1% |
| AMERIHOME MORTGAGE COMPANY, LLC | 10 | 6.500% | $475,000 | 16.7% |
| GENEVA FINANCIAL, LLC | 10 | 6.688% | $535,000 | 16.7% |
| KEYSTONE FUNDING, INC. | 10 | 6.120% | $465,000 | 17.7% |
| KWIK MORTGAGE CORPORATION | 10 | 5.875% | $620,000 | 9.1% |
| MLD MORTGAGE INC. | 10 | 5.933% | $580,000 | 9.1% |
| Manasquan Bank | 10 | 6.750% | $365,000 | 21.4% |
| American Airlines Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 47.4% |
| POLISH & SLAVIC | 9 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Webster Bank, National Association | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NATIONS DIRECT MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Princeton Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Magyar Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 9 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION OF NEW JERSEY, A FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 68.0% |
| Truist Bank | 8 | Under 10 loans | Under 10 loans | 61.9% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 42.9% |
| JMAC LENDING, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Amboy Bank | 8 | Under 10 loans | Under 10 loans | 33.3% |
| First Federal Bank | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Gateway First Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| United Nations Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 22.2% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Valon Mortgage, Inc. | 7 | Under 10 loans | Under 10 loans | 9.1% |
| FM Home Loans, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MISSION LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 6 | Under 10 loans | Under 10 loans | 27.3% |
| CLIFFCO, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| General Mortgage Capital Corporation | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GEORGIA'S OWN | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| 984500RF83EA742B5589 | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 33.3% |
| CAKE MORTGAGE CORP. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Brighton Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GREENWAY MORTGAGE FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PROPONENT Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 4 | Under 10 loans | Under 10 loans | 60.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| GARDEN SAVINGS FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| EAST COAST CAPITAL CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MERIDIAN BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Baxter Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PICATINNY FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bogota Savings Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GTE Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| WALKER & DUNLOP, LLC | 4 | 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 260 lenders each made 4 or fewer mortgages here, and are counted in the totals above.
Bank branches in Union County
146 FDIC-insured branches from 30 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Bank of America, National Association, 1100 S Stiles St, Linden
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When the next year’s lending figures are out for Union 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.