What loan types does NJ Lenders offer?

NJ Lenders offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing score and performance metrics.

Where does NJ Lenders offer mortgages?

NJ Lenders offers mortgages in 22 states: AL, CA, CO, CT, DC, DE, FL, GA, MA, MD, NC, NH, NJ, NY, OH, PA, RI, SC, TN, TX, VA, WA.

How competitive are NJ Lenders's mortgage rates?

NJ Lenders has an overall pricing score of 67.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is NJ Lenders?

NJ Lenders is a Independent Mortgage Company headquartered in LITTLE FALLS, NJ.

Unclaimed

NJ Lenders

Independent Mortgage Company•Little Falls, NJHQ•Direct•Reviews near you on Google

We analyzed every closed loan from NJ Lenders — 3.1k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Exceptional

5/5

FHA · Conventional · VA · Jumbo

Place

Sound

3/5

Multi-Region · 19 mkts

Awards

Conventional

Superstar

FHA

Superstar

Jumbo

Superstar

Purchase

Superstar

Refinance

Superstar

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees
Strong pull through performance
Particularly strong in Conventional and FHA and VA and Jumbo loans

Explore another lender or local market

Report Card

NJ Lenders performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+4.4 bps above market avg

Pull Through

Closing strength

Strong

Top 40% of lenders

By Loan Product· Specialization by type

Conventional

Exceptional

Top 20% of lenders

FHA

Strong

Top 40% of lenders

Strong

Top 40% of lenders

Jumbo

Strong

Top 40% of lenders

By Loan Purpose· Transaction purpose mix

Purchase

Exceptional

Top 20% of lenders

Refinance

Strong

Top 40% of lenders

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 20 markets

Sound

Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Exceptional	Strong	Strong	2,571	84.2%	+0.004%Above	$1,955Fees
FHA Loans	Strong	Strong	Sound	Strong	355	11.6%	+0.432%Above	$2,543Fees
VA Loans	Strong	Strong	Exceptional	Strong	58	1.9%	-0.350%Below	$493Fees
Jumbo Loans	Strong	Strong	Strong	Strong	61	2.0%	+0.003%Above	$606Fees

Conventional

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume2,571

Mix84.2%

Spread

+0.004%Above

Fees

$1,955Fees

FHA Loans

Overall

Strong

Product

Strong

Pricing

Sound

Pull Through

Strong

Volume355

Mix11.6%

Spread

+0.432%Above

Fees

$2,543Fees

VA Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Strong

Volume58

Mix1.9%

Spread

-0.350%Below

Fees

$493Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume61

Mix2.0%

Spread

+0.003%Above

Fees

$606Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Exceptional	Strong	Strong	2,711	88.8%	+0.045%Above	$1,973Fees
Refinance	Strong	Strong	Strong	Strong	342	11.2%	+0.032%Above	$1,925Fees

Purchase

Overall

Strong

Product

Exceptional

Pricing

Strong

Pull Through

Strong

Volume2,711

Mix88.8%

Spread

+0.045%Above

Fees

$1,973Fees

Refinance

Overall

Strong

Product

Strong

Pricing

Strong

Pull Through

Strong

Volume342

Mix11.2%

Spread

+0.032%Above

Fees

$1,925Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

3,053

Applications

4,025

Volume

$1 billion

Pricing & Closing

Avg Rate Spread

+0.044%

vs. market APOR

Avg Net Fees

$1,968

Origination − Credits

Pullthrough Rate

75.9%

Applications → Closed

Typical Borrower

Avg Loan Amount

$485,079

Avg Borrower Income

$199,593

Avg Property Value

$662,553

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

Northeast7

CTMANHNJNYPARI

Midwest1

South11

ALDCDEFLGAMDNCSCTNTXVA

West3

CACOWA

Top Metro Areas by Place Specialization Score

1© Gamezilla2019 · CC BY 4.0

Newark, NJMetro

Volume 798Mix 26.14% of portfolio

100/100

Exceptional

2© Mr. Matté · CC BY-SA 4.0

Lakewood, NJMetro

Volume 502Mix 16.44% of portfolio

90/100

Exceptional

3© Dllu · CC BY-SA 4.0

New York, NY-NJMetro

Volume 875Mix 28.66% of portfolio

89/100

Exceptional

4© Dicklyon · CC BY-SA 4.0

Nassau County, NYMetro

Volume 151Mix 4.95% of portfolio

71/100

Strong

Camden, NJMetro

Volume 96Mix 3.14% of portfolio

68/100

Strong

Rome, GAMetro

Volume 27Mix 0.88% of portfolio

66/100

Strong

Montgomery County, PAMetro

Volume 59Mix 1.93% of portfolio

62/100

Strong

Trenton, NJMetro

Volume 32Mix 1.05% of portfolio

62/100

Strong

Tampa, FLMetro

Volume 76Mix 2.49% of portfolio

61/100

Strong

Allentown, PA-NJMetro

Volume 33Mix 1.08% of portfolio

57/100

Sound

Showing 10 of 19 metro areas

Top States by Place Specialization Score

New JerseyState

Volume 2,180Mix 71.41% of portfolio

99/100

Exceptional

New YorkState

Volume 365Mix 11.96% of portfolio

73/100

Strong

PennsylvaniaState

Volume 137Mix 4.49% of portfolio

62/100

Strong

FloridaState

Volume 173Mix 5.67% of portfolio

59/100

Sound

GeorgiaState

Volume 70Mix 2.29% of portfolio

54/100

Sound

ConnecticutState

Volume 17Mix 0.56% of portfolio

43/100

Sound

North CarolinaState

Volume 17Mix 0.56% of portfolio

39/100

Acceptable

MassachusettsState

Volume 12Mix 0.39% of portfolio

38/100

Acceptable

South CarolinaState

Volume 13Mix 0.43% of portfolio

38/100

Acceptable

CaliforniaState

Volume 12Mix 0.39% of portfolio

35/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts

Pricing

Rate and fee competitiveness (33%)

10/ 30 pts

Pull Through

Reliability in closing loans (33%)

10/ 30 pts

Product

Specialization in the loan type (33%)

💎

Champion(80%+ = 24-30 points)

⭐

Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.