Mortgage lenders in Bergen County
15,503 mortgages were made in Bergen County, New Jersey, in 2025, by 506 lenders. The median rate their borrowers got was 6.750% on a median loan of $435,000. Of 21,652 decisions, 5,178 were denials — 23.9%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 979 | 6.750% | $365,000 | 16.6% |
| TD Bank, National Association | 854 | 7.340% | $255,000 | 31.6% |
| Bank of America, National Association | 730 | 5.990% | $245,000 | 35.8% |
| Citizens Bank, National Association | 728 | 7.400% | $255,000 | 32.6% |
| CROSSCOUNTRY MORTGAGE, INC. | 660 | 6.625% | $525,000 | 8.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 619 | 6.556% | $525,000 | 18.7% |
| JPMorgan Chase Bank, National Association | 515 | 6.375% | $545,000 | 14.8% |
| PNC Bank, National Association | 406 | 8.000% | $205,000 | 32.8% |
| GUARANTEED RATE, INC. | 395 | 6.625% | $545,000 | 10.0% |
| Loandepot.Com, LLC | 382 | 6.625% | $505,000 | 16.5% |
| Visions Federal Credit Union | 331 | 7.250% | $205,000 | 30.9% |
| Valley National Bank | 305 | 6.490% | $220,000 | 23.1% |
| Manufacturers and Traders Trust Company | 282 | 5.990% | $335,000 | 37.2% |
| PENNYMAC LOAN SERVICES, LLC | 225 | 6.624% | $535,000 | 22.1% |
| Luminate Bank | 219 | 6.375% | $575,000 | 6.3% |
| Wells Fargo Bank, National Association | 197 | 5.875% | $785,000 | 19.3% |
| NEWREZ LLC | 196 | 6.990% | $360,000 | 36.3% |
| Columbia Bank | 169 | 7.500% | $180,000 | 25.1% |
| CMG MORTGAGE, INC. | 163 | 6.750% | $525,000 | 11.7% |
| Citibank, National Association | 162 | 6.000% | $800,000 | 25.1% |
| NJ LENDERS CORP. | 156 | 6.625% | $620,000 | 3.1% |
| U.S. Bank National Association | 154 | 6.500% | $530,000 | 33.7% |
| BOND STREET MORTGAGE, LLC | 138 | 6.625% | $565,000 | 5.5% |
| MOVEMENT MORTGAGE, LLC | 130 | 6.625% | $530,000 | 7.1% |
| NATIONSTAR MORTGAGE LLC | 121 | 8.250% | $155,000 | 21.0% |
| Paramount Residential Mortgage Group, Inc. | 119 | 6.500% | $555,000 | 5.6% |
| SPRING EQ, LLC | 117 | 8.950% | $125,000 | 62.4% |
| FIGURE LENDING LLC | 115 | 9.000% | $105,000 | 34.7% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 107 | 10.220% | $205,000 | 18.8% |
| Fairway Independent Mortgage Corporation | 98 | 6.875% | $600,000 | 8.8% |
| UNION HOME MORTGAGE CORP. | 95 | 6.500% | $555,000 | 7.6% |
| AFFINITY | 94 | 4.900% | $205,000 | 36.2% |
| Provident Bank | 89 | 7.250% | $285,000 | 37.6% |
| Broker Solutions, Inc. | 88 | 6.750% | $515,000 | 19.1% |
| THE LOAN STORE, INC. | 88 | 7.125% | $455,000 | 13.2% |
| Coastal Community Bank | 84 | 9.990% | $105,000 | 2.1% |
| GUARANTEED RATE AFFINITY, LLC | 83 | 6.625% | $605,000 | 9.8% |
| Morgan Stanley Private Bank, National Association | 81 | 5.800% | $915,000 | 5.7% |
| Navy Federal Credit Union | 80 | 8.250% | $205,000 | 39.9% |
| Third Federal Savings and Loan Association of Cleveland | 79 | 6.990% | $205,000 | 46.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 79 | 7.000% | $555,000 | 1.2% |
| FREEDOM MORTGAGE CORPORATION | 74 | 6.250% | $525,000 | 13.3% |
| Greater Alliance Federal Credit Union | 74 | 6.990% | $120,000 | 31.5% |
| SOFI BANK, NATIONAL ASSOCIATION | 73 | 7.790% | $165,000 | 30.3% |
| BETTER MORTGAGE CORPORATION | 71 | 8.125% | $255,000 | 41.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 70 | 6.625% | $565,000 | 6.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 70 | 6.125% | $495,000 | 19.8% |
| Woori America Bank | 69 | Not published | $515,000 | 14.9% |
| CHAMPIONS FUNDING, LLC | 68 | 7.937% | $570,000 | 21.6% |
| Webster Bank, National Association | 67 | 6.375% | $990,000 | 17.1% |
| Unity Bank | 67 | 7.125% | $575,000 | 6.9% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 66 | 6.625% | $515,000 | 5.7% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 61 | 6.250% | $585,000 | 7.5% |
| KIND LENDING, LLC | 59 | 6.875% | $595,000 | 32.2% |
| Commerce Home Mortgage, Inc. | 57 | 7.750% | $515,000 | 13.6% |
| Bethpage Federal Credit Union | 56 | 6.490% | $215,000 | 50.0% |
| Loan Funder LLC | 54 | 10.495% | $625,000 | 11.5% |
| Lendage, LLC | 52 | 10.938% | $105,000 | 15.9% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 49 | 6.125% | $555,000 | 7.6% |
| A&D Mortgage LLC | 48 | 6.750% | $500,000 | 14.3% |
| QUORUM FEDERAL CREDIT UNION | 47 | 8.625% | $205,000 | 33.0% |
| FIRST COLONY MORTGAGE CORPORATION | 47 | 6.624% | $535,000 | 11.3% |
| AMWEST FUNDING CORP. | 47 | 6.875% | $515,000 | 9.4% |
| PLAZA HOME MORTGAGE, INC. | 46 | 6.875% | $480,000 | 37.0% |
| AmeriSave Mortgage Corporation | 45 | 8.750% | $145,000 | 71.9% |
| Municipal Credit Union | 45 | 6.000% | $185,000 | 29.8% |
| Spencer Savings Bank, SLA | 44 | Not published | $175,000 | 26.2% |
| PENTAGON FEDERAL CREDIT UNION | 43 | 7.750% | $255,000 | 51.1% |
| Bank of Hope | 42 | 6.125% | $500,000 | 10.7% |
| ALLIANT CREDIT UNION | 42 | 7.875% | $190,000 | 34.8% |
| ARC HOME LLC | 41 | 7.125% | $535,000 | 8.7% |
| Kiavi Funding, Inc. | 41 | 10.250% | $525,000 | 12.8% |
| Kearny Bank | 41 | 6.375% | $455,000 | 4.7% |
| LAKEVIEW LOAN SERVICING, LLC | 39 | 8.125% | $185,000 | 65.7% |
| Cornerstone First Mortgage, Inc | 38 | 6.875% | $585,000 | 7.3% |
| Citadel Servicing Corporation | 37 | 7.625% | $525,000 | 3.7% |
| JET DIRECT FUNDING CORP | 37 | 6.875% | $535,000 | 11.9% |
| NEW WAVE LENDING GROUP INC | 37 | 7.125% | $485,000 | 0.0% |
| Discover Bank | 35 | 8.380% | $105,000 | 83.3% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 35 | 6.750% | $525,000 | 5.4% |
| TOTAL MORTGAGE SERVICES, LLC | 35 | 6.750% | $505,000 | 5.4% |
| Mortgage Research Center, LLC | 34 | 6.125% | $615,000 | 37.0% |
| POLISH & SLAVIC | 34 | Not published | $250,000 | 10.5% |
| Emporium TPO LLC | 34 | 7.490% | $580,000 | 6.1% |
| Advisors Mortgage Group, L.L.C. | 34 | 6.563% | $565,000 | 2.8% |
| USALLIANCE FEDERAL CREDIT UNION | 34 | 8.000% | $340,000 | 18.2% |
| ConnectOne Bank | 33 | Not published | $420,000 | 13.2% |
| EMBRACE HOME LOANS, INC. | 33 | 6.500% | $695,000 | 0.0% |
| EMM LOANS LLC | 32 | 6.875% | $510,000 | 0.0% |
| PINNACLE MORTGAGE, INC. | 32 | 6.500% | $505,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 31 | 6.625% | $515,000 | 16.2% |
| FM Home Loans, LLC | 31 | 6.875% | $615,000 | 0.0% |
| MLD MORTGAGE INC. | 31 | 6.250% | $505,000 | 5.3% |
| Ascendia Bank | 31 | Not published | $235,000 | 11.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 30 | 6.688% | $565,000 | 9.1% |
| JMAC LENDING, INC. | 30 | 6.875% | $450,000 | 3.2% |
| Fulton Bank, National Association | 29 | 6.375% | $925,000 | 14.3% |
| FINANCE OF AMERICA REVERSE LLC | 29 | 6.500% | $385,000 | 19.4% |
| ABL RPC Residential Credit Acquisition LLC | 29 | 9.990% | $905,000 | 6.3% |
| UNITED MORTGAGE CORP. | 28 | 6.750% | $580,000 | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 28 | 8.933% | $250,000 | 20.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 27 | 6.245% | $585,000 | 15.4% |
| Tomo Mortgage, LLC | 26 | 6.313% | $700,000 | 21.2% |
| Ion Bank | 26 | Not published | $100,000 | 41.3% |
| CARNEGIE MORTGAGE PARTNERS, LLC | 26 | 6.500% | $520,000 | 3.7% |
| MLB RESIDENTIAL LENDING, LLC | 26 | 6.995% | $550,000 | 3.2% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 25 | 6.990% | $545,000 | 3.9% |
| Truist Bank | 24 | 6.295% | $655,000 | 49.0% |
| TrustCo Bank | 24 | 5.750% | $185,000 | 41.3% |
| The Federal Savings Bank | 24 | 6.625% | $490,000 | 16.7% |
| Logan Finance Corporation | 24 | 6.937% | $530,000 | 20.0% |
| UBS Bank USA | 24 | 5.875% | $1,005,000 | 4.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 23 | 5.990% | $605,000 | 19.4% |
| AMERIHOME MORTGAGE COMPANY, LLC | 23 | 6.500% | $495,000 | 11.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 22 | 9.740% | $435,000 | 0.0% |
| NQM FUNDING, LLC | 22 | 7.624% | $615,000 | 19.4% |
| OceanFirst Bank, National Association | 22 | 6.375% | $505,000 | 3.5% |
| 1ST PRIORITY MORTGAGE, INC. | 22 | 6.563% | $455,000 | 0.0% |
| North Jersey Federal Credit Union | 22 | 6.938% | $105,000 | 8.3% |
| Charles Schwab Bank, SSB | 22 | 5.750% | $815,000 | 0.0% |
| TOLL BROTHERS MORTGAGE COMPANY | 21 | 6.375% | $745,000 | 5.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 21 | 6.250% | $535,000 | 20.6% |
| NBKC BANK | 21 | 6.375% | $425,000 | 16.0% |
| KWIK MORTGAGE CORPORATION | 21 | 6.125% | $685,000 | 4.6% |
| Brighton Bank | 21 | 6.875% | $565,000 | 0.0% |
| PHH Mortgage Corporation | 20 | 6.125% | $440,000 | 28.6% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 20 | 6.490% | $550,000 | 4.8% |
| LOWER, LLC | 19 | 6.875% | $415,000 | 24.0% |
| STG MORTGAGE INC | 19 | 6.625% | $595,000 | 11.1% |
| Hometown Equity Mortgage, LLC | 19 | 7.250% | $635,000 | 44.1% |
| NEXERA HOLDING LLC | 19 | 7.500% | $395,000 | 13.6% |
| Flagstar Bank, N.A. | 18 | 6.438% | $440,000 | 51.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 18 | 7.870% | $485,000 | 26.9% |
| Northpointe Bank | 18 | 6.500% | $445,000 | 0.0% |
| MORTGAGE ACCESS CORP. | 18 | 6.625% | $405,000 | 0.0% |
| United Nations Federal Credit Union | 18 | 5.625% | $680,000 | 5.3% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 18 | 7.500% | $525,000 | 0.0% |
| Quontic Bank | 17 | 8.375% | $485,000 | 10.5% |
| General Mortgage Capital Corporation | 17 | 6.125% | $605,000 | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 17 | 6.625% | $525,000 | 5.0% |
| OCMBC, INC. | 16 | 7.062% | $530,000 | 9.1% |
| TOWER Federal Credit Union | 16 | 7.000% | $150,000 | 37.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 16 | 9.813% | $1,305,000 | 11.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | 15 | 6.490% | $585,000 | 15.0% |
| First Federal Bank | 14 | 5.933% | $690,000 | 6.7% |
| LONGBRIDGE FINANCIAL, LLC | 14 | 6.375% | $360,000 | 5.9% |
| Skyrock Mortgage Corp | 14 | 6.308% | $640,000 | 6.7% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 14 | 10.190% | $595,000 | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 14 | 6.500% | $535,000 | 0.0% |
| Stifel Bank and Trust | 14 | 6.563% | $325,000 | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 14 | 7.063% | $605,000 | 0.0% |
| NMSI, INC. | 14 | 6.750% | $595,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 13 | 6.990% | $495,000 | 69.8% |
| BPL MORTGAGE TRUST, LLC | 13 | 8.000% | $805,000 | 16.7% |
| Blue Foundry Bank | 13 | Not published | $225,000 | 12.5% |
| LAFAYETTE FEDERAL CREDIT UNION | 13 | 8.000% | $255,000 | 13.3% |
| ICE LENDER HOLDINGS LLC | 12 | 7.188% | $535,000 | 25.0% |
| CONTOUR MORTGAGE CORPORATION | 12 | 6.813% | $645,000 | 7.7% |
| SUMMIT MORTGAGE BANKERS INC. | 12 | 6.500% | $570,000 | 0.0% |
| MISSION LOANS, LLC | 11 | 7.875% | $205,000 | 0.0% |
| LADERA LENDING, INC. | 11 | 7.250% | $395,000 | 0.0% |
| RESICENTRAL, LLC | 11 | 6.490% | $355,000 | 8.3% |
| NATIONS DIRECT MORTGAGE, LLC | 11 | 6.990% | $475,000 | 26.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 11 | 6.500% | $615,000 | 15.8% |
| LUXURY MORTGAGE CORP. | 11 | 7.625% | $785,000 | 7.7% |
| Ponce Bank | 11 | Not published | $485,000 | 0.0% |
| Cathay Bank | 11 | 6.375% | $525,000 | 0.0% |
| Equity Prime Mortgage LLC | 10 | 6.688% | $570,000 | 28.6% |
| Bogota Savings Bank | 10 | 7.250% | $195,000 | 29.4% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.750% | $595,000 | 50.0% |
| EAST COAST CAPITAL CORP. | 10 | 7.813% | $470,000 | 16.7% |
| EVERETT FINANCIAL, INC. | 10 | 6.625% | $575,000 | 9.1% |
| LoanUnited.com, LLC | 10 | 5.938% | $460,000 | 9.1% |
| 2549005FUF02T1IFCA22 | 10 | 7.250% | $495,000 | 23.1% |
| Metro City Bank | 10 | 6.250% | $580,000 | 9.1% |
| Raymond James Bank | 10 | 5.375% | $830,000 | 9.1% |
| 254900M2C4Q6DATP2889 | 9 | Under 10 loans | Under 10 loans | 30.8% |
| SUN WEST MORTGAGE COMPANY, INC. | 9 | Under 10 loans | Under 10 loans | 17.7% |
| GEORGIA'S OWN | 9 | Under 10 loans | Under 10 loans | 40.0% |
| WALL STREET MORTGAGE BANKERS, LTD. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Peoples Security Bank and Trust Company | 9 | Under 10 loans | Under 10 loans | 25.0% |
| MILLENIUM HOME MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| LENNAR MORTGAGE, LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| The Huntington National Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| 254900IRE136HFEI2562 | 9 | Under 10 loans | Under 10 loans | 0.0% |
| ADVANCIAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 18.2% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| City National Bank | 8 | Under 10 loans | Under 10 loans | 20.0% |
| GENEVA FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Somerset Regal Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Freedom Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Hanmi Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PANORAMA MORTGAGE GROUP, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SELF RELIANCE NY | 8 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 7 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 306 lenders each made 7 or fewer mortgages here, and are counted in the totals above.
Bank branches in Bergen County
346 FDIC-insured branches from 45 banks, as of 30 June 2026, with the deposits held at them.
Closed since the 2025 survey
3 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- First IC Bank, 211 Broad Ave, Palisades Park
- Kearny Bank, 119 Paris Ave, Northvale
- TD Bank, National Association, 1100 Lake St, Ramsey
Get told when this changes
When the next year’s lending figures are out for Bergen 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.