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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 VA Mortgage Company Lenders in New Jersey
Updated February 6, 2026
Market Overview
49
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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,539 | +0.175% | 4,989 | |
2 | NJ LENDERS CORP. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,597 | +0.013% | 2,180 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,386 | +0.126% | 2,925 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,337 | +0.204% | 1,267 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,893 | +0.330% | 1,034 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,177 | +0.179% | 963 | |
7 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,253 | +0.627% | 896 | |
8 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,546 | +0.207% | 887 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,572 | +0.396% | 1,443 | |
10 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,746 | +0.385% | 1,407 | |
11 | MORTGAGE ACCESS CORP. | Exceptional | Strong | Strong | Strong | Exceptional | $3,273 | +0.317% | 465 | |
12 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,878 | +0.503% | 300 | |
13 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,940 | +0.455% | 246 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,883 | +0.137% | 2,270 | |
15 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,422 | +0.535% | 1,100 | |
16 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,709 | +0.397% | 975 | |
17 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | — | Sound | Strong | $1,088 | +0.054% | 231 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,979 | +0.317% | 198 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,433 | +0.239% | 6,687 | |
20 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Strong | Strong | Exceptional | $2,314 | +0.271% | 1,736 | |
21 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,958 | +0.507% | 1,716 | |
22 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,959 | +0.414% | 1,163 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $640 | -0.113% | 346 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,666 | +0.478% | 331 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,342 | +0.372% | 5,464 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,699 | +0.373% | 727 | |
27 | 1st Colonial Community Bank | Strong | Sound | Sound | Strong | Exceptional | $1,972 | +0.218% | 271 | |
28 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Exceptional | $2,576 | +0.463% | 1,384 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,620 | +0.290% | 672 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,674 | +0.774% | 560 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,833 | +0.420% | 526 | |
32 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,530 | +0.304% | 491 | |
33 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,847 | +0.464% | 467 | |
34 | ALLIED MORTGAGE GROUP, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,223 | +0.396% | 416 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,115 | +0.517% | 336 | |
36 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,593 | +0.222% | 195 | |
37 | Acre Mortgage & Financial, Inc. | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,732 | +0.585% | 332 | |
38 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,137 | +0.577% | 225 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,102 | +0.592% | 219 | |
40 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Strong | Strong | Exceptional | $3,564 | +0.473% | 1,540 | |
41 | BOND STREET MORTGAGE, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $2,825 | +0.296% | 648 | |
42 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,017 | +0.593% | 231 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,114 | +0.515% | 697 | |
44 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $5,902 | +0.679% | 368 | |
45 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | Strong | $4,055 | +0.527% | 361 | |
46 | UNITED MORTGAGE CORP. | Sound | Mediocre | Strong | Strong | Strong | $5,234 | +0.514% | 248 | |
47 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Sound | Mediocre | Strong | Strong | Strong | $2,423 | +0.556% | 191 | |
48 | FIRST ALLIANCE HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Acceptable | Strong | $3,383 | +0.427% | 246 | |
49 | PANORAMA MORTGAGE GROUP, LLC | Sound | Mediocre | Strong | Sound | Strong | $4,568 | +0.703% | 193 |
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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