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Mortgage Lenders in New Jersey

96 mortgage lenders listed across 59 cities in New Jersey.

Mortgage Lenders in New Jersey by the numbers

Of the 41 mortgage lenders in New Jersey that publish their loan programs, 26 (63%) offer conventional loans, 22 (54%) offer FHA loans and 18 (44%) offer VA loans.

Conventional loans26 of 41 (63%)
FHA loans22 of 41 (54%)
VA loans18 of 41 (44%)
USDA loans14 of 41 (34%)
First-time buyer programs12 of 41 (29%)
Renovation and 203(k) loans12 of 41 (29%)
Jumbo loans11 of 41 (27%)
Construction loans10 of 41 (24%)
DSCR (investor) loans7 of 41 (17%)
HELOCs and home equity loans7 of 41 (17%)
Down payment assistance6 of 41 (15%)
Non-QM loans6 of 41 (15%)
  • 10
    advertise 3.5% down or less, including 8 with a 0% down option (typically VA or USDA)
  • 580
    lowest advertised minimum credit score; 3 lenders accept 580 or lower
  • 14 / 7
    licensed in one state only / licensed nationwide (of 39 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 41 of 96 listed mortgage lenders that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Mortgage Lenders by city in New Jersey

Featured mortgage lenders in New Jersey

Pick a city above to see every mortgage lender listed there.

Before you choose a mortgage lender in New Jersey

Confirm the company is licensed in New Jersey on NMLS Consumer Access, then request a Loan Estimate from at least three lenders and compare APR and closing costs, not just the rate.

Our guide to finding a mortgage lender walks through each step.