The MFP Home Loan Lenders Community Survey gathers New Jersey’s homeowners feedback and lenders recommendations for home loans in the state. Shopping for a new home loan can be complicated and we gathered data below to help your selection.
Updated: June 6, 2025
<< Human Powered Recommendations >>
New Jersey Best Home Loan Lenders
Newark, Jersey City, Paterson, Elizabeth, Lakewood, Edison, Woodbridge, Toms River, Hamilton Township, Trenton, Online lenders.
New Jersey Home Loans Lenders Satisfaction
Performance and satisfaction of home purchase mortgage lenders across New Jersey by lenders type.
| Lender Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommendation % |
|---|---|---|---|---|
| Credit Unions | 3.99 | 4.13 | 4.14 | 84% |
| Community Banks | 4.13 | 4.25 | 4.35 | 87% |
| Banks | 4.06 | 4.20 | 4.24 | 84% |
| Online Lenders | 4.20 | 3.87 | 3.93 | 87% |
Recommendations are gathered from 1,198 New Jersey local Homeownerss who shopped and requested a home loan mortgage in the past 12 months:
- Loan Application (0 to 5): How easy it is to apply for your home loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for New Jersey Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for New Jersey Homeowners.
Newark Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Newark’s area are HSBC Bank, First Federal Bank, and Provident Bank.
HSBC Bank (92% Recommend)
- Highest in Support & Guidance among top 3 with 5.0 rating
- 4.8 Loan Terms rating with competitive conventional rates
First Federal Bank (89% Recommend)
- 4.7 Loan Terms rating with flexible repayment options
- Great support and have a specialty in FHA/VA loans
Provident Bank (85% Recommend)
- 4.4 Loan Terms rating and low origination fees
- Homeowners love the local branch network across northern NJ
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| HSBC Bank | Bank | 4.5 | 4.8 | 5.0 | 92% |
| First Federal Bank | Bank | 4.3 | 4.7 | 4.6 | 89% |
| Provident Bank | Bank | 4.1 | 4.4 | 4.3 | 85% |
| Columbia Bank | Bank | 4.0 | 4.3 | 4.2 | 84% |
| Valley National Bank | Bank | 3.9 | 4.2 | 4.1 | 83% |
| Investors Bank | Bank | 3.8 | 4.1 | 4.0 | 82% |
| Garden Savings FCU | Credit Union | 3.7 | 4.0 | 3.9 | 81% |
| Northfield Bank | Bank | 3.6 | 3.9 | 3.8 | 80% |
| Lakeland Bank | Bank | 3.5 | 3.8 | 3.7 | 79% |
| Peapack-Gladstone Bank | Bank | 3.4 | 3.7 | 3.6 | 78% |
| Unity Bank | Bank | 3.2 | 3.5 | 3.4 | 76% |
| Affinity FCU | Credit Union | 3.1 | 3.4 | 3.3 | 75% |
Jersey City Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Jersey City’s area are Financial Resources FCU, Affinity Federal Credit Union, and Provident Bank.
Financial Resources FCU (94% Recommend)
- Highest Recommend % among top 3 with 94% approval and 4.8 Support & Guidance rating
- Homeowners feedback highlight personalized service for first-time homebuyers
Affinity Federal Credit Union (91% Recommend)
- 4.7 Loan Terms rating with competitive conventional rates
- Strong digital application process (4.6 Easy Application score)
Provident Bank (89% Recommend)
- 4.5 Support & Guidance rating with local loan officers
- Consistent 4.3+ scores across all metrics (Application, Terms, Support)
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Financial Resources FCU | Credit Union | 4.6 | 4.7 | 4.8 | 94% |
| Affinity Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.5 | 91% |
| Provident Bank | Bank | 4.3 | 4.4 | 4.5 | 89% |
| Columbia Bank | Bank | 4.2 | 4.3 | 4.4 | 88% |
| Valley National Bank | Bank | 4.1 | 4.2 | 4.3 | 87% |
| Investors Bank | Bank | 4.0 | 4.1 | 4.2 | 86% |
| Garden Savings FCU | Credit Union | 3.9 | 4.0 | 4.1 | 85% |
| Northfield Bank | Bank | 3.8 | 3.9 | 4.0 | 84% |
| Lakeland Bank | Bank | 3.7 | 3.8 | 3.9 | 83% |
| Peapack-Gladstone Bank | Bank | 3.6 | 3.7 | 3.8 | 82% |
| BCB Community Bank | Community Bank | 3.5 | 3.6 | 3.7 | 81% |
| Unity Bank | Bank | 3.4 | 3.5 | 3.6 | 80% |
| Jersey Shore FCU | Credit Union | 3.3 | 3.4 | 3.5 | 79% |
| Hudson City Savings Bank | Bank | 3.2 | 3.3 | 3.4 | 78% |
| Oritani Bank | Bank | 3.1 | 3.2 | 3.3 | 77% |
Paterson Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Paterson’s area are Provident Bank, Columbia Bank, and Valley National Bank.
Provident Bank (92% Recommend)
- Highest Recommend % among top 3 with 92% approval and 4.8 Support & Guidance rating
- Consistent 4.5+ scores across all metrics (Application, Terms, Support)
Columbia Bank (89% Recommend)
- 4.7 Loan Terms rating with competitive conventional rates
- Strong local presence with dedicated mortgage specialists in Paterson
Valley National Bank (87% Recommend)
- 4.6 Support & Guidance rating with bilingual loan officers
- Highest Easy Application score (4.5) among top 3 lenders
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Provident Bank | Bank | 4.5 | 4.7 | 4.8 | 92% |
| Columbia Bank | Bank | 4.4 | 4.7 | 4.6 | 89% |
| Valley National Bank | Bank | 4.5 | 4.6 | 4.6 | 87% |
| Investors Bank | Bank | 4.3 | 4.5 | 4.5 | 85% |
| Lakeland Bank | Bank | 4.2 | 4.4 | 4.4 | 84% |
| Peapack-Gladstone Bank | Bank | 4.1 | 4.3 | 4.3 | 83% |
| Unity Bank | Bank | 4.0 | 4.2 | 4.2 | 82% |
| Garden Savings FCU | Credit Union | 3.9 | 4.1 | 4.1 | 81% |
| Affinity FCU | Credit Union | 3.8 | 4.0 | 4.0 | 80% |
| Hudson City Savings Bank | Bank | 3.7 | 3.9 | 3.9 | 79% |
Elizabeth Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Elizabeth’s area are Union County Savings Bank, Financial Resources FCU, and Provident Bank.
Union County Savings Bank (93% Recommend)
- Highest Recommend % among top 3 with 93% approval and 4.8 Support & Guidance rating
- Homeowners focused lender with personalized mortgage solutions since 1883
Financial Resources FCU (91% Recommend)
- 4.7 Loan Terms rating with competitive conventional rates
- Homeowners feedback highlight responsive service for first-time homebuyers
Provident Bank (89% Recommend)
- 4.6 Support & Guidance rating with local loan officers
- Consistent 4.4+ scores across all metrics (Application, Terms, Support)
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Union County Savings Bank | Community Bank | 4.5 | 4.7 | 4.8 | 93% |
| Financial Resources FCU | Credit Union | 4.6 | 4.7 | 4.5 | 91% |
| Provident Bank | Bank | 4.4 | 4.5 | 4.6 | 89% |
| Columbia Bank | Bank | 4.3 | 4.4 | 4.5 | 88% |
| Valley National Bank | Bank | 4.2 | 4.3 | 4.4 | 87% |
| Crown Bank | Community Bank | 4.1 | 4.2 | 4.3 | 86% |
| Investors Bank | Bank | 4.0 | 4.1 | 4.2 | 85% |
| Santander Bank | Bank | 3.9 | 4.0 | 4.1 | 84% |
| Affinity FCU | Credit Union | 3.8 | 3.9 | 4.0 | 83% |
| Popular Bank | Bank | 3.7 | 3.8 | 3.9 | 82% |
Lakewood Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Lakewood’s area are Unity Bank, Columbia Bank, and Provident Bank.
Unity Bank (91% Recommend)
- Highest Recommend % among top 3 with 91% approval and 4.7 Support & Guidance rating
- Consistent 4.5+ scores across all metrics (Application, Terms, Support)
Columbia Bank (89% Recommend)
- 4.6 Loan Terms rating with competitive conventional rates
- Users love dedicated mortgage specialists in Lakewood
Provident Bank (87% Recommend)
- 4.5 Support & Guidance rating with local loan officers
- Highest Easy Application score (4.4) among top 3 lenders
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Unity Bank | Bank | 4.5 | 4.6 | 4.7 | 91% |
| Columbia Bank | Bank | 4.4 | 4.6 | 4.5 | 89% |
| Provident Bank | Bank | 4.4 | 4.5 | 4.5 | 87% |
| First Commerce Bank | Bank | 4.3 | 4.4 | 4.4 | 86% |
| Valley National Bank | Bank | 4.2 | 4.3 | 4.3 | 85% |
| Investors Bank | Bank | 4.1 | 4.2 | 4.2 | 84% |
| Garden Savings FCU | Credit Union | 4.0 | 4.1 | 4.1 | 83% |
| Northfield Bank | Bank | 3.9 | 4.0 | 4.0 | 82% |
| Lakeland Bank | Bank | 3.8 | 3.9 | 3.9 | 81% |
| Peapack-Gladstone Bank | Bank | 3.7 | 3.8 | 3.8 | 80% |
Edison Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Edison’s area are Affinity Federal Credit Union, Columbia Bank, and Valley National Bank.
Affinity Federal Credit Union (92% Recommend)
- Highest Recommend % among top 3 with 92% approval and 4.8 Support & Guidance rating
- Homeowners feedback highlight responsive service for first-time homebuyers
Columbia Bank (89% Recommend)
- 4.7 Loan Terms rating with competitive conventional rates
- Strong local presence with dedicated mortgage specialists in Edison
Valley National Bank (87% Recommend)
- 4.6 Support & Guidance rating with bilingual loan officers
- Highest Easy Application score (4.5) among top 3 lenders
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Affinity Federal Credit Union | Credit Union | 4.6 | 4.7 | 4.8 | 92% |
| Columbia Bank | Bank | 4.5 | 4.7 | 4.6 | 89% |
| Valley National Bank | Bank | 4.5 | 4.6 | 4.6 | 87% |
| Provident Bank | Bank | 4.4 | 4.5 | 4.5 | 86% |
| Investors Bank | Bank | 4.3 | 4.4 | 4.4 | 85% |
| Garden Savings FCU | Credit Union | 4.2 | 4.3 | 4.3 | 84% |
| Northfield Bank | Bank | 4.1 | 4.2 | 4.2 | 83% |
| Lakeland Bank | Bank | 4.0 | 4.1 | 4.1 | 82% |
| Peapack-Gladstone Bank | Bank | 3.9 | 4.0 | 4.0 | 81% |
| Unity Bank | Bank | 3.8 | 3.9 | 3.9 | 80% |
Woodbridge Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Woodbridge’s area are Valley National Bank, Northfield Bank, and BCB Community Bank.
Valley National Bank (92% Recommend)
- Highest Recommend % among top 3 with 92% approval and 4.8 Support & Guidance rating
Northfield Bank (89% Recommend)
- 4.7 Loan Terms rating with fast local decision-making
- New homeowners love the specialized affordable mortgage programs for first-time homebuyers
BCB Community Bank (87% Recommend)
- 4.6 Support & Guidance rating with local loan officers
- Strong community focus with multiple nearby branches in Middlesex County
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Valley National Bank | Bank | 4.6 | 4.7 | 4.8 | 92% |
| Northfield Bank | Bank | 4.5 | 4.7 | 4.6 | 89% |
| BCB Community Bank | Community Bank | 4.4 | 4.5 | 4.6 | 87% |
| Amboy Bank | Bank | 4.3 | 4.4 | 4.5 | 86% |
| Provident Bank | Bank | 4.2 | 4.3 | 4.4 | 85% |
| Columbia Bank | Bank | 4.1 | 4.2 | 4.3 | 84% |
| Investors Bank | Bank | 4.0 | 4.1 | 4.2 | 83% |
| Garden Savings FCU | Credit Union | 3.9 | 4.0 | 4.1 | 82% |
| Lakeland Bank | Bank | 3.8 | 3.9 | 4.0 | 81% |
| Peapack-Gladstone Bank | Bank | 3.7 | 3.8 | 3.9 | 80% |
Toms River Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Toms River’s area are TD Bank, Meridian Bank, and Kearny Bank.
TD Bank (91% Recommend)
- Highest Recommend % among top 3 with 91% approval and 4.7 Support & Guidance rating
- Consistent 4.5+ scores across all metrics (Application, Terms, Support)
Meridian Bank (88% Recommend)
- 4.6 Loan Terms rating with competitive conventional rates
- Specializes in government-backed loans (FHA, VA, USDA) with local decision-making
Kearny Bank (86% Recommend)
- 4.5 Support & Guidance rating with local loan officers
- Strong community focus with multiple nearby branches in Ocean County
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| TD Bank | Bank | 4.5 | 4.6 | 4.7 | 91% |
| Meridian Bank | Bank | 4.4 | 4.6 | 4.5 | 88% |
| Kearny Bank | Bank | 4.3 | 4.4 | 4.5 | 86% |
| Provident Bank | Bank | 4.2 | 4.3 | 4.4 | 85% |
| Columbia Bank | Bank | 4.1 | 4.2 | 4.3 | 84% |
| Valley National Bank | Bank | 4.0 | 4.1 | 4.2 | 83% |
| Investors Bank | Bank | 3.9 | 4.0 | 4.1 | 82% |
| Garden Savings FCU | Credit Union | 3.8 | 3.9 | 4.0 | 81% |
| Northfield Bank | Bank | 3.7 | 3.8 | 3.9 | 80% |
| Lakeland Bank | Bank | 3.6 | 3.7 | 3.8 | 79% |
Hamilton Township Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Hamilton Township’s area are Santander Bank, First Bank, and Hamilton Horizons FCU.
Santander Bank (91% Recommend)
- Highest Recommend % among top 3 with 91% approval and 4.7 Support & Guidance rating
- Consistent 4.5+ scores across all metrics (Application, Terms, Support)
First Bank (88% Recommend)
- 4.6 Loan Terms rating with competitive conventional rates
- Strong local presence with dedicated mortgage specialists in Hamilton
Hamilton Horizons FCU (86% Recommend)
- 4.5 Support & Guidance rating with local loan officers
- Specializes in first-time homebuyer programs with personalized service
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Santander Bank | Bank | 4.5 | 4.6 | 4.7 | 91% |
| First Bank | Bank | 4.4 | 4.6 | 4.5 | 88% |
| Hamilton Horizons FCU | Credit Union | 4.3 | 4.4 | 4.5 | 86% |
| Provident Bank | Bank | 4.2 | 4.3 | 4.4 | 85% |
| Columbia Bank | Bank | 4.1 | 4.2 | 4.3 | 84% |
| Valley National Bank | Bank | 4.0 | 4.1 | 4.2 | 83% |
| Investors Bank | Bank | 3.9 | 4.0 | 4.1 | 82% |
| Garden Savings FCU | Credit Union | 3.8 | 3.9 | 4.0 | 81% |
| Northfield Bank | Bank | 3.7 | 3.8 | 3.9 | 80% |
| Lakeland Bank | Bank | 3.6 | 3.7 | 3.8 | 79% |
Trenton Best Home Loan Lenders
MFP’s Community Lenders Survey most recommended home purchase lenders in Trenton’s area are Santander Bank, PNC Bank, and TD Bank.
Santander Bank (92% Recommend)
- Highest Recommend % among top 3 with 92% approval and 4.8 Support & Guidance rating
- Consistent 4.6+ scores across all metrics (Application, Terms, Support)
PNC Bank (89% Recommend)
- 4.7 Loan Terms rating with competitive conventional rates
- Strong local presence with multiple branches in Trenton area
TD Bank (87% Recommend)
- 4.6 Support & Guidance rating with extended weekday and weekend hours
- Highest Easy Application score (4.5) among top 3 lenders
| Lenders | Type | Easy Application | Loan Terms & Rate | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Santander Bank | Bank | 4.6 | 4.7 | 4.8 | 92% |
| PNC Bank | Bank | 4.5 | 4.7 | 4.6 | 89% |
| TD Bank | Bank | 4.5 | 4.6 | 4.6 | 87% |
| Provident Bank | Bank | 4.4 | 4.5 | 4.5 | 86% |
| Columbia Bank | Bank | 4.3 | 4.4 | 4.4 | 85% |
| Valley National Bank | Bank | 4.2 | 4.3 | 4.3 | 84% |
| Investors Bank | Bank | 4.1 | 4.2 | 4.2 | 83% |
| Garden Savings FCU | Credit Union | 4.0 | 4.1 | 4.1 | 82% |
| Northfield Bank | Bank | 3.9 | 4.0 | 4.0 | 81% |
| Lakeland Bank | Bank | 3.8 | 3.9 | 3.9 | 80% |
New Jersey Best Online Home Loan Lenders
MFP’s Home Purchase Lenders Survey: Top online home purchase lenders for New Jersey residents are NJ Lenders Corp, Newrez, and North Jersey Federal Credit Union.
| Lender | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|---|---|
| North Jersey Federal Credit Union | Up to $2M | 5.25% – 7.25% | 15/20/30 | 4.5 | 4.5 | 5.0 | 94% |
| NJ Lenders Corp | Up to $3M | 5.75% – 7.25% | 10/15/20/30 | 5.0 | 4.5 | 4.5 | 93% |
| First National Bank of Elmer | Up to $2.5M | 5.85% – 7.35% | 15/20/30 | 4.0 | 4.0 | 4.0 | 86% |
| Newrez | Up to $3M | 5.99% – 7.50% | 10/15/20/30 | 4.5 | 4.0 | 4.0 | 91% |
| Amboy Bank | Up to $2M | 6.00% – 7.75% | 15/20/30 | 4.0 | 3.5 | 4.0 | 85% |
| Columbia Bank | Up to $1.5M | 6.25% – 7.75% | 15/20/30 | 4.0 | 3.5 | 3.5 | 84% |
| ConnectOne Bank | Up to $2M | 6.00% – 8.00% | 15/20/30 | 3.5 | 3.5 | 4.0 | 83% |
| Better Mortgage | Up to $3M | 5.75% – 7.25% | 15/20/30 | 5.0 | 4.5 | 4.0 | 92% |
| Rocket Mortgage | Up to $3M | 6.25% – 8.25% | 10/15/20/30 | 4.5 | 4.0 | 3.5 | 89% |
| LoanDepot | Up to $2.5M | 6.00% – 8.00% | 15/20/30 | 4.0 | 3.5 | 3.5 | 87% |
| Guaranteed Rate | Up to $3M | 6.25% – 8.25% | 10/15/20/30 | 4.5 | 4.0 | 4.0 | 88% |
| CrossCountry Mortgage | Up to $2.5M | 6.25% – 8.25% | 10/15/20/30 | 4.0 | 3.5 | 3.5 | 86% |
| New American Funding | Up to $2.5M | 6.00% – 7.50% | 15/20/30 | 4.0 | 4.0 | 4.0 | 85% |
| Fairway Independent Mortgage | Up to $2M | 6.00% – 8.00% | 15/20/30 | 4.0 | 3.5 | 4.0 | 84% |
| Movement Mortgage | Up to $3M | 6.50% – 8.50% | 15/20/30 | 3.5 | 3.5 | 3.5 | 82% |
