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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Jumbo Mortgage Company Lenders in New Jersey
Updated February 6, 2026
Market Overview
26
Total Lenders
85,018
Total Loans
0.30%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,386 | +0.126% | 2,925 | |
2 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Strong | Exceptional | $1,597 | +0.013% | 2,180 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,433 | +0.239% | 6,687 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,539 | +0.175% | 4,989 | |
5 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,572 | +0.396% | 1,443 | |
6 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,746 | +0.385% | 1,407 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,337 | +0.204% | 1,267 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,883 | +0.137% | 2,270 | |
9 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,546 | +0.207% | 887 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,342 | +0.372% | 5,464 | |
11 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Strong | Sound | Exceptional | $2,314 | +0.271% | 1,736 | |
12 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,893 | +0.330% | 1,034 | |
13 | 1st Colonial Community Bank | Strong | Sound | — | Strong | Exceptional | $1,972 | +0.218% | 271 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,422 | +0.535% | 1,100 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,699 | +0.373% | 727 | |
16 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,530 | +0.304% | 491 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,101 | +0.286% | 378 | |
18 | NP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,045 | +1.272% | 182 | |
19 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,959 | +0.414% | 1,163 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,114 | +0.515% | 697 | |
21 | BOND STREET MORTGAGE, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $2,825 | +0.296% | 648 | |
22 | FM Home Loans, LLC | Sound | Mediocre | Strong | Strong | Strong | $2,381 | +0.329% | 288 | |
23 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Strong | $4,055 | +0.527% | 361 | |
24 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $2,666 | +0.478% | 331 | |
25 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,723 | +0.392% | 175 | |
26 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Sound | Acceptable | Exceptional | $3,564 | +0.473% | 1,540 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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