New Jersey · Home purchase
Best jumbo mortgage lenders in New Jersey
Loans above the conforming limit (jumbo) demand stronger files and are made by a narrower set of lenders. Here's who approves them. Across 41,128 jumbo home-purchase decisions statewide (2018–2025), lenders approved 90.9%. Here are the lenders that approve jumbo buyers most, and the county-by-county picture.
Statewide approval
90.9%
37,396 of 41,128
Denial rate
9.1%
3,732 denied
Decisions
41,128
2018–2025
Top jumbo lenders statewide
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Morgan Stanley Private Bank Na Purchase, NY | 97.2% | 1,013 | 28 | -0.48 pp |
| Valley National Bank Morristown, NJ | 96.8% | 887 | 28 | -0.10 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 96.9% | 615 | 19 | +0.26 pp |
| Citibank, Na New York, NY | 96.0% | 1,821 | 73 | -0.65 pp |
| Republic First Bank Philadelphia, PA | 96.6% | 593 | 20 | -0.69 pp |
| Guaranteed Rate, Inc. Chicago, IL | 95.4% | 1,065 | 49 | -0.03 pp |
| Oceanfirst Bank Toms River, NJ | 95.2% | 1,087 | 52 | -0.05 pp |
| Loandepot.com Llc Irvine, CA | 94.7% | 738 | 39 | -0.04 pp |
| Toll Brothers Mortgage Company Fort Washington, PA | 94.7% | 454 | 24 | -0.02 pp |
| Bank Of America Na Westlake Village, CA | 92.7% | 3,147 | 229 | -0.49 pp |
| Nj Lenders Corp Little Falls, NJ | 94.2% | 483 | 28 | +0.01 pp |
| Fulton Bank, National Association Lancaster, PA | 93.4% | 850 | 56 | +0.15 pp |
| Investors Bank Iselin, NJ | 93.1% | 582 | 40 | -0.06 pp |
| Jpmorgan Chase Bank, Na Columbus, OH | 91.2% | 2,699 | 237 | -0.23 pp |
| Wells Fargo Bank Na Minneapolis, MN | 90.7% | 5,601 | 521 | -0.46 pp |
By county
Other buyer situations
Best FHA lendersBest VA lendersBest USDA lendersBest lenders for high debt-to-income buyersBest low-down-payment lendersBest lenders for lower-income buyersBest investment-property lendersBest manufactured-home lenders
Source: CFPB HMDA data, 2018–2025. Methodology →