Mortgage lenders in Somerset County
6,702 mortgages were made in Somerset County, New Jersey, in 2025, by 426 lenders. The median rate their borrowers got was 6.625% on a median loan of $365,000. Of 8,895 decisions, 1,793 were denials — 20.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Rocket Mortgage, LLC | 538 | 6.688% | $310,000 | 12.9% |
| Bank of America, National Association | 313 | 6.000% | $225,000 | 34.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 290 | 6.225% | $455,000 | 13.8% |
| PNC Bank, National Association | 278 | 8.000% | $215,000 | 27.8% |
| TD Bank, National Association | 275 | 7.340% | $255,000 | 27.5% |
| AFFINITY | 267 | 4.900% | $155,000 | 24.3% |
| Citizens Bank, National Association | 233 | 7.400% | $205,000 | 28.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 203 | 6.625% | $455,000 | 6.3% |
| JPMorgan Chase Bank, National Association | 166 | 6.375% | $475,000 | 12.9% |
| EMBRACE HOME LOANS, INC. | 150 | 6.625% | $520,000 | 0.0% |
| GUARANTEED RATE, INC. | 132 | 6.475% | $480,000 | 9.5% |
| Loandepot.Com, LLC | 121 | 6.875% | $345,000 | 18.7% |
| PENNYMAC LOAN SERVICES, LLC | 117 | 6.499% | $405,000 | 18.4% |
| GUARANTEED RATE AFFINITY, LLC | 103 | 6.625% | $445,000 | 2.8% |
| MOVEMENT MORTGAGE, LLC | 89 | 6.625% | $405,000 | 5.9% |
| NEWREZ LLC | 88 | 7.250% | $260,000 | 33.8% |
| Valley National Bank | 84 | 5.870% | $175,000 | 18.0% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 81 | 6.625% | $565,000 | 5.8% |
| U.S. Bank National Association | 73 | 6.625% | $425,000 | 26.0% |
| Wells Fargo Bank, National Association | 72 | 6.250% | $415,000 | 18.2% |
| Provident Bank | 69 | 6.750% | $280,000 | 32.7% |
| Manufacturers and Traders Trust Company | 67 | 5.875% | $485,000 | 30.3% |
| CMG MORTGAGE, INC. | 62 | 6.688% | $410,000 | 1.6% |
| NATIONSTAR MORTGAGE LLC | 61 | 8.250% | $135,000 | 16.9% |
| Advisors Mortgage Group, L.L.C. | 52 | 6.625% | $405,000 | 1.9% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | 51 | 6.375% | $475,000 | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 50 | 6.625% | $480,000 | 7.4% |
| UNION HOME MORTGAGE CORP. | 47 | 6.125% | $485,000 | 0.0% |
| FIGURE LENDING LLC | 45 | 9.700% | $65,000 | 33.7% |
| KWIK MORTGAGE CORPORATION | 45 | 6.125% | $605,000 | 0.0% |
| SPRING EQ, LLC | 44 | 8.725% | $135,000 | 58.5% |
| FREEDOM MORTGAGE CORPORATION | 44 | 6.250% | $460,000 | 23.0% |
| OceanFirst Bank, National Association | 42 | 6.250% | $465,000 | 7.7% |
| Navy Federal Credit Union | 41 | 7.750% | $235,000 | 40.6% |
| Broker Solutions, Inc. | 40 | 6.750% | $400,000 | 26.7% |
| Third Federal Savings and Loan Association of Cleveland | 40 | 6.990% | $175,000 | 41.1% |
| Fulton Bank, National Association | 40 | 6.490% | $395,000 | 34.9% |
| MORTGAGE ACCESS CORP. | 39 | 6.625% | $485,000 | 9.3% |
| BETTER MORTGAGE CORPORATION | 38 | 7.188% | $320,000 | 16.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 38 | 6.500% | $550,000 | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 37 | 6.500% | $465,000 | 2.6% |
| Somerset Regal Bank | 37 | Not published | $365,000 | 7.5% |
| Coastal Community Bank | 35 | 9.990% | $105,000 | 1.5% |
| AmeriSave Mortgage Corporation | 35 | 6.750% | $225,000 | 62.8% |
| Fairway Independent Mortgage Corporation | 32 | 6.495% | $540,000 | 2.9% |
| SOFI BANK, NATIONAL ASSOCIATION | 31 | 7.540% | $175,000 | 20.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 30 | 6.625% | $350,000 | 14.3% |
| DIGITAL | 29 | 7.500% | $255,000 | 23.7% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 29 | 6.125% | $485,000 | 23.1% |
| Prosperity Home Mortgage, LLC | 29 | 6.750% | $505,000 | 6.5% |
| MLD MORTGAGE INC. | 29 | 6.125% | $355,000 | 2.9% |
| THE LOAN STORE, INC. | 27 | 6.875% | $455,000 | 24.4% |
| Luminate Bank | 27 | 6.375% | $465,000 | 6.9% |
| Kearny Bank | 27 | 5.990% | $345,000 | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 26 | 6.500% | $480,000 | 0.0% |
| BOND STREET MORTGAGE, LLC | 26 | 6.495% | $455,000 | 7.1% |
| Columbia Bank | 25 | 7.375% | $225,000 | 20.6% |
| NJ LENDERS CORP. | 25 | 6.625% | $405,000 | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 24 | 10.705% | $110,000 | 11.1% |
| Morgan Stanley Private Bank, National Association | 24 | 5.800% | $710,000 | 7.1% |
| LAKEVIEW LOAN SERVICING, LLC | 23 | 6.625% | $285,000 | 62.2% |
| Mortgage Research Center, LLC | 23 | 5.990% | $545,000 | 28.1% |
| PENTAGON FEDERAL CREDIT UNION | 22 | 7.625% | $255,000 | 42.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 22 | 6.750% | $435,000 | 0.0% |
| United Nations Federal Credit Union | 22 | 5.813% | $595,000 | 0.0% |
| Citibank, National Association | 21 | 6.000% | $885,000 | 27.6% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 21 | 5.870% | $535,000 | 7.7% |
| Lendage, LLC | 21 | 10.500% | $75,000 | 24.2% |
| FINANCIAL RESOURCES FEDERAL CREDIT UNION | 20 | 7.500% | $140,000 | 39.4% |
| Kiavi Funding, Inc. | 20 | 10.095% | $465,000 | 4.6% |
| NATIONS DIRECT MORTGAGE, LLC | 19 | 6.625% | $555,000 | 5.0% |
| Unity Bank | 18 | 7.000% | $550,000 | 21.7% |
| MLB RESIDENTIAL LENDING, LLC | 17 | 6.750% | $435,000 | 4.6% |
| Peapack-Gladstone Bank | 17 | Not published | $255,000 | 0.0% |
| NBKC BANK | 16 | 6.375% | $610,000 | 15.0% |
| The Federal Savings Bank | 16 | 6.500% | $385,000 | 11.1% |
| Bethpage Federal Credit Union | 15 | 6.490% | $225,000 | 40.0% |
| QUORUM FEDERAL CREDIT UNION | 15 | 9.125% | $115,000 | 15.8% |
| KEYSTONE FUNDING, INC. | 15 | 6.375% | $445,000 | 0.0% |
| PHH Mortgage Corporation | 14 | 5.990% | $415,000 | 17.7% |
| Flagstar Bank, N.A. | 14 | 6.296% | $370,000 | 28.6% |
| AMWEST FUNDING CORP. | 14 | 6.438% | $485,000 | 6.7% |
| Magyar Bank | 14 | Not published | $205,000 | 22.2% |
| MILLENIUM HOME MORTGAGE, LLC | 14 | 6.500% | $475,000 | 0.0% |
| A&D Mortgage LLC | 13 | 6.875% | $515,000 | 18.8% |
| Loan Funder LLC | 13 | 7.190% | $265,000 | 13.3% |
| Commerce Home Mortgage, Inc. | 13 | 8.875% | $435,000 | 6.7% |
| ALLIANT CREDIT UNION | 13 | 7.750% | $185,000 | 18.8% |
| Northfield Bank | 13 | Not published | $305,000 | 27.8% |
| GUIDANCE RESIDENTIAL, LLC | 13 | 6.875% | $445,000 | 6.3% |
| Northpointe Bank | 13 | 6.625% | $605,000 | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 13 | 6.250% | $505,000 | 7.1% |
| Discover Bank | 12 | 8.025% | $105,000 | 83.8% |
| Tomo Mortgage, LLC | 12 | 6.125% | $535,000 | 20.0% |
| Truist Bank | 12 | 6.240% | $640,000 | 48.0% |
| Visions Federal Credit Union | 12 | 6.625% | $380,000 | 25.0% |
| LOWER, LLC | 12 | 6.750% | $350,000 | 29.4% |
| PANORAMA MORTGAGE GROUP, LLC | 12 | 6.375% | $515,000 | 14.3% |
| General Mortgage Capital Corporation | 12 | 6.063% | $585,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 12 | 6.875% | $360,000 | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 11 | 6.490% | $385,000 | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 11 | 6.625% | $375,000 | 18.8% |
| KIND LENDING, LLC | 11 | 6.500% | $705,000 | 29.4% |
| Gateway First Bank | 11 | 6.250% | $385,000 | 0.0% |
| Princeton Federal Credit Union | 11 | 5.990% | $155,000 | 0.0% |
| EMM LOANS LLC | 11 | 6.500% | $485,000 | 0.0% |
| CHAMPIONS FUNDING, LLC | 11 | 7.250% | $375,000 | 15.4% |
| Nations Lending Corporation | 11 | 6.750% | $355,000 | 8.3% |
| Cornerstone First Mortgage, Inc | 10 | 6.750% | $535,000 | 9.1% |
| POLISH & SLAVIC | 10 | Not published | $255,000 | 9.1% |
| HOMEXPRESS MORTGAGE CORP. | 10 | 7.375% | $405,000 | 16.7% |
| UBS Bank USA | 10 | 5.938% | $1,005,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 50.0% |
| POLICE & FIRE | 9 | Under 10 loans | Under 10 loans | 43.8% |
| CREDIT UNION OF NEW JERSEY, A FEDERAL CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 35.7% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 9 | Under 10 loans | Under 10 loans | 0.0% |
| TOWER Federal Credit Union | 9 | Under 10 loans | Under 10 loans | 30.8% |
| First Federal Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| ARC HOME LLC | 9 | Under 10 loans | Under 10 loans | 10.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 8 | Under 10 loans | Under 10 loans | 20.0% |
| Webster Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Plains Commerce Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| 254900M2C4Q6DATP2889 | 7 | Under 10 loans | Under 10 loans | 36.4% |
| Amboy Bank | 7 | Under 10 loans | Under 10 loans | 36.4% |
| UNITED MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| UIF CORPORATION | 7 | Under 10 loans | Under 10 loans | 12.5% |
| The Huntington National Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 11.1% |
| DEVELOPER'S MORTGAGE COMPANY | 7 | Under 10 loans | Under 10 loans | 0.0% |
| PINNACLE MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| PICATINNY FEDERAL CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 50.0% |
| MERCK EMPLOYEES FCU | 6 | Under 10 loans | Under 10 loans | 30.0% |
| JMAC LENDING, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Manasquan Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT MORTGAGE BANKERS INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NATION ONE MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN INTERNET MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GoodLeap, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| GARDEN SAVINGS FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| EAST COAST CAPITAL CORP. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| RESIDENTIAL HOME MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Leader Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Metro City Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LAFAYETTE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ConnectOne Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 40.0% |
| PULTE MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Citadel Servicing Corporation | 4 | Under 10 loans | Under 10 loans | 40.0% |
| USALLIANCE FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| RELIANT HOME FUNDING, INC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Municipal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| ICE LENDER HOLDINGS LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PROPONENT Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MERCK SHARP & DOHME FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BAY EQUITY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of America | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wilmington Savings Fund Society, FSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PHILADELPHIA FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 3 | Under 10 loans | Under 10 loans | 42.9% |
| Logan Finance Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Peoples Security Bank and Trust Company | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Quontic Bank | 3 | Under 10 loans | Under 10 loans | 40.0% |
| SOUTH RIVER MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWAY MORTGAGE FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FM Home Loans, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Mid Penn Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Service Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 3 | 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 226 lenders each made 3 or fewer mortgages here, and are counted in the totals above.
Bank branches in Somerset County
93 FDIC-insured branches from 20 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| JPMorgan Chase Bank, National Association | 11 | $1.9 billion |
| Bank of America, National Association | 10 | $2.9 billion |
| Wells Fargo Bank, National Association | 10 | $1.6 billion |
| TD Bank, National Association | 9 | $2.7 billion |
| PNC Bank, National Association | 9 | $1.7 billion |
| Peapack Private Bank & Trust | 7 | $2.1 billion |
| Provident Bank | 6 | $711.7 million |
| Fulton Bank, National Association | 5 | $454.4 million |
| Somerset Regal Bank | 5 | $379.6 million |
| Valley National Bank | 4 | $566.4 million |
| Unity Bank | 3 | $356.6 million |
| Santander Bank, N.A. | 2 | $178.2 million |
| Citizens Bank, National Association | 2 | $133.9 million |
| Kearny Bank | 2 | $133.4 million |
| Magyar Bank | 2 | $103.5 million |
| The Bank of Princeton | 2 | $101.6 million |
| First Bank | 1 | $159.4 million |
| Columbia Bank | 1 | $115.2 million |
| Capital One, National Association | 1 | $73.7 million |
| Crown Bank | 1 | $2.7 million |
Closed since the 2025 survey
2 branches in the 2025 survey have no 2026 row: closed, sold, or moved.
- Peapack Private Bank & Trust, 417 Route 206, Hillsborough
- Provident Bank, 2162 Route 206, Belle Mead
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. 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.