BEST OF
9 Best New Jersey Mortgage Lenders of 2021
Here are some of the best mortgage lenders in New Jersey, whether you're a first-time home buyer, a refinancer or a borrower with imperfect credit.
Buying a home in New Jersey is the fun part. Shopping for a mortgage? Not so much. But don’t worry, we’ve cut through the clutter, vetting New Jersey's mortgage lenders to discover which are the best for borrowers' particular needs.
From the hills of Sussex County to the beaches of Cape May, here are some of the best lenders in New Jersey, whether you're a first-time home buyer, a refinancer, a borrower with bad credit, an aficionado of face-to-face transactions or a digital native.
Buying a home in New Jersey is the fun part. Shopping for a mortgage? Not so much. But don’t worry, we’ve cut through the clutter, vetting New Jersey's mortgage lenders to discover which are the best for borrowers' particular needs.
From the hills of Sussex County to the beaches of Cape May, here are some of the best lenders in New Jersey, whether you're a first-time home buyer, a refinancer, a borrower with bad credit, an aficionado of face-to-face transactions or a digital native.
Summary of Best New Jersey Mortgage Lenders of 2021
Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
---|---|---|---|---|
Best for online lender | 620 | 3% | at Rocket Mortgage by Quicken Loans | |
Best for weaker credit | 620 | 3% | at New American Funding | |
Best for refinancing | 620 | 3% | at Guaranteed Rate | |
Best for first-time home buyers & online lenders | 620 | 5% | at loanDepot | |
Best for refinancing | 620 | 3% | at Chase | |
Best for first-time home buyers | N/A | 3% | Read review | |
Best for face-to-face experience | 620 | 3% | Read review | |
Best for face-to-face experience | 620 | 3% | Read review | |
Best for weaker credit | 620 | 3% | Read review |
at Rocket Mortgage by Quicken Loans
Rocket Mortgage by Quicken Loans: NMLS#3030
Min. Credit Score
Min. Down Payment
at Rocket Mortgage by Quicken Loans
at New American Funding
New American Funding: NMLS#6606
Min. Credit Score
Min. Down Payment
at New American Funding
at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. Credit Score
Min. Down Payment
at Guaranteed Rate
at loanDepot
loanDepot: NMLS#174457

Min. Credit Score
Min. Down Payment
at loanDepot
at Chase
Chase: NMLS#399798
Min. Credit Score
Min. Down Payment
at Chase
Citibank: NMLS#412915

National / Regional
Min. Down Payment
Bank of America: NMLS#399802

Min. Credit Score
Min. Down Payment
Carrington: NMLS#2600

Min. Credit Score
Min. Down Payment
Last updated on January 2, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best New Jersey Mortgage Lenders of 2021
- Rocket Mortgage by Quicken Loans: Best for online lender
- New American Funding: Best for weaker credit
- Guaranteed Rate: Best for refinancing
- loanDepot: Best for first-time home buyers & online lenders
- Chase: Best for refinancing
- Citibank: Best for first-time home buyers
- Bank of America: Best for face-to-face experience
- PNC: Best for face-to-face experience
- Carrington: Best for weaker credit