Mortgage Companies in New Jersey

In New Jersey, homebuyers and homeowners often finance through mortgage companies rather than banks. These businesses focus only on home lending and are licensed and examined by the state. Before you apply, it pays to know whether the company will keep or sell your loan servicing and how it handles payments after closing. Ask each company these questions early. Use the city links below to learn more about mortgage companies near you.

Questions about mortgage companies in New Jersey?

Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.

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Mortgage lenders, brokers and loan originators serving New Jersey are licensed by the New Jersey Department of Banking and Insurance. You can confirm any company's or loan officer's license on NMLS Consumer Access before you apply.

Where mortgage companies activity is highest in New Jersey

County	loans originated (2024 HMDA)
Ocean County	13,701
Bergen County	12,609
Monmouth County	12,395
Middlesex County	11,503
Burlington County	10,271
Camden County	9,727
Morris County	8,726
Essex County	8,672
Union County	6,938
Gloucester County	6,900

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Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Mortgage Companies by city in New Jersey

Common questions

How can I tell if a transfer notice is legitimate?

Scammers sometimes send fake transfer letters. Compare the notice with information from your current servicer, using the phone number on an existing statement rather than one in the letter. A real transfer usually comes with notices from both companies. Do not send a payment to a new address until you confirm the change through a trusted source.

Can a mortgage company offer FHA, VA and USDA loans?

Many can. A company must be approved by the relevant agency or work with an approved investor to offer government-backed loans. Ask which programs the company offers directly. Programs vary by borrower, property and investor, and every loan is subject to credit approval, so the company will need to review your situation before discussing which options may fit.

Is a mortgage company regulated like a bank?

Mortgage companies follow the same federal consumer protection rules as banks for disclosures, fair lending and servicing. Instead of a bank charter, they are licensed by state regulators, typically a state banking or financial services department. The Consumer Financial Protection Bureau also has authority over non-bank mortgage companies. You can view licensing details on NMLS Consumer Access.

2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025