Refinancing lenders in Bergen County
2,677 refinancing mortgages were made in Bergen County, New Jersey, in 2025, by 302 lenders. The median rate their borrowers got was 6.330% on a median loan of $445,000. Of 3,606 decisions, 806 were denials — 22.4%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| TD Bank, National Association | 301 | 7.340% | $285,000 | 22.8% |
| Citizens Bank, National Association | 222 | 7.650% | $305,000 | 28.3% |
| Bank of America, National Association | 205 | 5.990% | $225,000 | 27.1% |
| Rocket Mortgage, LLC | 168 | 5.990% | $525,000 | 15.2% |
| PNC Bank, National Association | 148 | 8.000% | $255,000 | 26.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 145 | 5.999% | $585,000 | 19.8% |
| Loandepot.Com, LLC | 73 | 6.125% | $675,000 | 7.1% |
| JPMorgan Chase Bank, National Association | 68 | 6.125% | $540,000 | 15.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 62 | 6.100% | $575,000 | 0.0% |
| Manufacturers and Traders Trust Company | 57 | 5.990% | $485,000 | 31.4% |
| PENNYMAC LOAN SERVICES, LLC | 45 | 5.990% | $585,000 | 11.8% |
| GUARANTEED RATE, INC. | 42 | 5.995% | $630,000 | 8.5% |
| Columbia Bank | 42 | 8.000% | $165,000 | 16.0% |
| FREEDOM MORTGAGE CORPORATION | 40 | 6.000% | $555,000 | 2.0% |
| Third Federal Savings and Loan Association of Cleveland | 38 | 6.990% | $220,000 | 49.3% |
| Luminate Bank | 33 | 6.000% | $605,000 | 5.7% |
| NEWREZ LLC | 28 | 6.063% | $605,000 | 37.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 27 | 6.125% | $385,000 | 3.5% |
| U.S. Bank National Association | 26 | 6.000% | $860,000 | 10.3% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 24 | 7.250% | $540,000 | 3.9% |
| NATIONSTAR MORTGAGE LLC | 24 | 6.058% | $520,000 | 25.0% |
| Wells Fargo Bank, National Association | 23 | 5.750% | $585,000 | 25.8% |
| MOVEMENT MORTGAGE, LLC | 22 | 5.990% | $545,000 | 0.0% |
| BOND STREET MORTGAGE, LLC | 21 | 6.625% | $535,000 | 16.0% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 18 | 5.875% | $545,000 | 14.3% |
| VILLAGE CAPITAL & INVESTMENT LLC | 17 | 6.250% | $485,000 | 8.0% |
| FINANCE OF AMERICA REVERSE LLC | 16 | 6.250% | $400,000 | 23.8% |
| Webster Bank, National Association | 16 | 6.250% | $980,000 | 5.9% |
| CMG MORTGAGE, INC. | 15 | 6.750% | $315,000 | 27.3% |
| LAKEVIEW LOAN SERVICING, LLC | 14 | 6.058% | $535,000 | 66.2% |
| UNION HOME MORTGAGE CORP. | 14 | 5.750% | $460,000 | 0.0% |
| Citibank, National Association | 14 | 5.688% | $720,000 | 12.5% |
| Lendage, LLC | 14 | 10.625% | $135,000 | 6.7% |
| 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | 14 | 6.500% | $405,000 | 0.0% |
| Bethpage Federal Credit Union | 12 | 6.490% | $200,000 | 61.8% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 12 | 5.995% | $695,000 | 22.2% |
| NJ LENDERS CORP. | 12 | 6.188% | $825,000 | 7.7% |
| LONGBRIDGE FINANCIAL, LLC | 12 | 6.375% | $310,000 | 7.1% |
| Paramount Residential Mortgage Group, Inc. | 11 | 6.375% | $475,000 | 0.0% |
| FM Home Loans, LLC | 11 | 6.625% | $645,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 11 | 6.250% | $545,000 | 0.0% |
| Unity Bank | 11 | 7.250% | $755,000 | 8.3% |
| PHH Mortgage Corporation | 10 | 5.995% | $590,000 | 16.7% |
| FIRST COLONY MORTGAGE CORPORATION | 10 | 5.875% | $570,000 | 7.7% |
| GUARANTEED RATE AFFINITY, LLC | 10 | 6.033% | $665,000 | 9.1% |
| Discover Bank | 9 | Under 10 loans | Under 10 loans | 75.7% |
| EMM LOANS LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Woori America Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ConnectOne Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 11.1% |
| PENTAGON FEDERAL CREDIT UNION | 8 | Under 10 loans | Under 10 loans | 52.9% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 20.0% |
| NBKC BANK | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Northpointe Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LADERA LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 7 | Under 10 loans | Under 10 loans | 50.0% |
| Municipal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| OceanFirst Bank, National Association | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MLD MORTGAGE INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Ascendia Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Visions Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 22.2% |
| NQM FUNDING, LLC | 6 | Under 10 loans | Under 10 loans | 20.0% |
| Bank of Hope | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| UNITED NORTHERN MORTGAGE BANKERS LIMITED | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| TrustCo Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Valley National Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| KWIK MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| CHAMPIONS FUNDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| LoanUnited.com, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| BETTER MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Provident Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Blue Foundry Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| INTELLILOAN, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Freedom Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Kearny Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Fairway Independent Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 20.0% |
| A&D Mortgage LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| AFFINITY | 4 | Under 10 loans | Under 10 loans | 42.9% |
| MY MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| EMBRACE HOME LOANS, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Northfield Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 66.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 57.1% |
| RESICENTRAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Fulton Bank, National Association | 3 | Under 10 loans | Under 10 loans | 33.3% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 40.0% |
| JMAC LENDING, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Spencer Savings Bank, SLA | 3 | Under 10 loans | Under 10 loans | 25.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| United Nations Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| IVY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MILLENIUM HOME MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 2549005FUF02T1IFCA22 | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 72.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 80.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 60.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Advisors Mortgage Group, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Bogota Savings Bank | 2 | Under 10 loans | Under 10 loans | 20.0% |
| FOUNDATION MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 40.0% |
| STG MORTGAGE INC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| GEORGIA'S OWN | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ARC HOME LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| UBS Bank USA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 1ST PRIORITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLEGACY FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PGIM Real Estate Finance, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cathay Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 80.0% |
| MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ion Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CLIFFCO, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NEW WAVE LENDING GROUP INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARNEGIE MORTGAGE PARTNERS, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Skyrock Mortgage Corp | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VISTA POINT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MLB RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ponce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| JET DIRECT FUNDING CORP | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ABL RPC Residential Credit Acquisition LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW MILLENNIUM BANK, INC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900IRE136HFEI2562 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BNY Mellon, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST STANDARD FINANCIAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEYSTONE FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DEVELOPER'S MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Royal Business Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INTERSTATE HOME LOAN CENTER, INC. | 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 102 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.