Home purchase lenders in Union County
3,877 home purchase mortgages were made in Union County, New Jersey, in 2025, by 334 lenders. The median rate their borrowers got was 6.500% on a median loan of $545,000. Of 4,565 decisions, 529 were denials — 11.6%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, INC. | 223 | 6.625% | $565,000 | 5.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 215 | 6.500% | $515,000 | 14.5% |
| GUARANTEED RATE, INC. | 167 | 6.500% | $585,000 | 5.6% |
| JPMorgan Chase Bank, National Association | 143 | 6.375% | $605,000 | 8.5% |
| GUARANTEED RATE AFFINITY, LLC | 135 | 6.575% | $675,000 | 0.7% |
| Paramount Residential Mortgage Group, Inc. | 116 | 6.500% | $555,000 | 6.4% |
| Rocket Mortgage, LLC | 99 | 6.500% | $495,000 | 11.4% |
| CMG MORTGAGE, INC. | 98 | 6.625% | $455,000 | 6.8% |
| Bank of America, National Association | 81 | 5.875% | $765,000 | 25.7% |
| MOVEMENT MORTGAGE, LLC | 72 | 6.750% | $495,000 | 9.6% |
| Loandepot.Com, LLC | 71 | 6.625% | $565,000 | 5.3% |
| Wells Fargo Bank, National Association | 70 | 5.875% | $830,000 | 12.5% |
| TD Bank, National Association | 69 | 6.500% | $495,000 | 26.6% |
| PENNYMAC LOAN SERVICES, LLC | 65 | 6.624% | $555,000 | 7.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 62 | 6.688% | $530,000 | 11.4% |
| Citizens Bank, National Association | 57 | 6.750% | $445,000 | 24.1% |
| Broker Solutions, Inc. | 53 | 6.750% | $485,000 | 11.7% |
| Provident Bank | 53 | 5.875% | $575,000 | 13.1% |
| Loan Funder LLC | 52 | 9.750% | $450,000 | 11.9% |
| FIRST COLONY MORTGAGE CORPORATION | 49 | 6.500% | $545,000 | 12.5% |
| CHAMPIONS FUNDING, LLC | 49 | 7.500% | $455,000 | 14.0% |
| Citibank, National Association | 47 | 6.000% | $885,000 | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 46 | 6.750% | $505,000 | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 43 | 6.250% | $555,000 | 4.4% |
| Valley National Bank | 42 | 5.750% | $540,000 | 17.3% |
| UNION HOME MORTGAGE CORP. | 40 | 6.500% | $535,000 | 2.3% |
| THE LOAN STORE, INC. | 39 | 6.875% | $495,000 | 8.2% |
| EMBRACE HOME LOANS, INC. | 38 | 6.495% | $635,000 | 4.8% |
| U.S. Bank National Association | 36 | 6.125% | $750,000 | 14.0% |
| NORWICH COMMERCIAL GROUP, INC. | 36 | 6.875% | $520,000 | 16.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 35 | 6.750% | $595,000 | 0.0% |
| NJ LENDERS CORP. | 35 | 6.625% | $605,000 | 7.3% |
| KIND LENDING, LLC | 33 | 6.625% | $525,000 | 26.7% |
| Morgan Stanley Private Bank, National Association | 33 | 5.850% | $1,085,000 | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 32 | 6.875% | $495,000 | 5.3% |
| Manufacturers and Traders Trust Company | 30 | 5.750% | $710,000 | 23.1% |
| Luminate Bank | 29 | 6.490% | $665,000 | 0.0% |
| Kiavi Funding, Inc. | 28 | 10.720% | $495,000 | 17.1% |
| OceanFirst Bank, National Association | 27 | 6.250% | $525,000 | 2.8% |
| A&D Mortgage LLC | 26 | 6.625% | $555,000 | 6.9% |
| Cornerstone First Mortgage, Inc | 25 | 6.750% | $575,000 | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 25 | 6.250% | $475,000 | 10.7% |
| BOND STREET MORTGAGE, LLC | 25 | 6.375% | $455,000 | 10.7% |
| MILLENIUM HOME MORTGAGE, LLC | 25 | 6.625% | $455,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 24 | 6.990% | $505,000 | 19.4% |
| Advisors Mortgage Group, L.L.C. | 23 | 6.500% | $565,000 | 14.8% |
| Peapack-Gladstone Bank | 23 | Not published | $565,000 | 4.2% |
| Municipal Credit Union | 22 | 5.625% | $1,070,000 | 0.0% |
| NEWREZ LLC | 21 | 6.625% | $475,000 | 27.6% |
| Logan Finance Corporation | 21 | 7.124% | $425,000 | 21.4% |
| Mortgage Research Center, LLC | 20 | 6.500% | $530,000 | 4.8% |
| MORTGAGE ACCESS CORP. | 20 | 6.625% | $495,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 19 | 6.875% | $505,000 | 9.5% |
| AMERICAN FINANCIAL RESOURCES, INC. | 18 | 6.433% | $520,000 | 14.3% |
| BPL MORTGAGE TRUST, LLC | 17 | 7.250% | $495,000 | 5.0% |
| UNITED MORTGAGE CORP. | 15 | 6.750% | $565,000 | 9.5% |
| AMWEST FUNDING CORP. | 15 | 6.500% | $565,000 | 0.0% |
| Emporium TPO LLC | 15 | 7.490% | $495,000 | 5.3% |
| Fulton Bank, National Association | 15 | 6.250% | $1,075,000 | 16.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 14 | 6.500% | $555,000 | 0.0% |
| Nations Lending Corporation | 14 | 6.875% | $490,000 | 11.8% |
| Columbia Bank | 13 | 6.250% | $505,000 | 19.1% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 13 | 7.375% | $475,000 | 0.0% |
| BETTER MORTGAGE CORPORATION | 12 | 6.438% | $685,000 | 23.5% |
| Navy Federal Credit Union | 12 | 6.375% | $470,000 | 33.3% |
| ARK MORTGAGE, INC. | 12 | 7.063% | $400,000 | 0.0% |
| PNC Bank, National Association | 11 | 6.125% | $555,000 | 45.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 6.250% | $525,000 | 0.0% |
| Unity Bank | 11 | 6.750% | $485,000 | 0.0% |
| Kearny Bank | 11 | 6.250% | $475,000 | 8.3% |
| PINNACLE MORTGAGE, INC. | 11 | 6.375% | $515,000 | 0.0% |
| Tomo Mortgage, LLC | 10 | 6.495% | $535,000 | 9.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 10 | 6.250% | $630,000 | 45.0% |
| Flagstar Bank, N.A. | 10 | 6.375% | $455,000 | 44.4% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 10 | 9.815% | $495,000 | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 10 | 6.688% | $595,000 | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 10 | 6.625% | $505,000 | 15.4% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 10 | 9.990% | $370,000 | 0.0% |
| The Federal Savings Bank | 10 | 6.375% | $600,000 | 0.0% |
| Equity Prime Mortgage LLC | 9 | Under 10 loans | Under 10 loans | 35.7% |
| OCMBC, INC. | 9 | Under 10 loans | Under 10 loans | 26.3% |
| AFFINITY | 9 | Under 10 loans | Under 10 loans | 15.4% |
| FREEDOM MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 33.3% |
| GENEVA FINANCIAL, LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Prosperity Home Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 9 | Under 10 loans | Under 10 loans | 43.8% |
| Commerce Home Mortgage, Inc. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| HOMEXPRESS MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 18.2% |
| NQM FUNDING, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Somerset Regal Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| MERCK EMPLOYEES FCU | 9 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| NEXERA HOLDING LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 8 | Under 10 loans | Under 10 loans | 10.0% |
| ARC HOME LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| LOWER, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PENTAGON FEDERAL CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 41.7% |
| KEYSTONE FUNDING, INC. | 7 | Under 10 loans | Under 10 loans | 15.4% |
| Webster Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| Lusitania Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Charles Schwab Bank, SSB | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| ICE LENDER HOLDINGS LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| United Nations Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NATIONS DIRECT MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Citadel Servicing Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KWIK MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Gateway First Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Genesis Capital, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Brighton Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANT HOME FUNDING, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CAKE MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| POLISH & SLAVIC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| MERIDIAN BANK | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| JET DIRECT FUNDING CORP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED POLES FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Magyar Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Skyrock Mortgage Corp | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 37.5% |
| Truist Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CLIFFCO, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Mid Penn Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Princeton Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| CONSTRUCTIVE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| US MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIGITAL | 2 | Under 10 loans | Under 10 loans | 33.3% |
| LUXURY MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CARNEGIE MORTGAGE PARTNERS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| EAST COAST CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL PACIFIC FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 33.3% |
| HARBORONE MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| WALL STREET MORTGAGE BANKERS, LTD. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hanover Community Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ARBOR REALTY TRUST, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ascendia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NMSI, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Hope | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET MANAGEMENT GROUP, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| City Lending Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SELFRELIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Spencer Savings Bank, SLA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First-Citizens Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 2 | 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 134 lenders each made 2 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.