The Lenders Community Survey gathers homeowners feedback and 76 lenders recommendations for New Jersey home refinance shopping for a mortgage refinance loan can be complicated and we gathered data to help your choice.
Updated: April 8, 2025
<< Human Powered Recommendations >>
New Jersey Top Lenders for Home Refinance Loans
Newark, Jersey City, Paterson, Elizabeth, Lakewood, Edison, Woodbridge, Toms River, Hamilton Township, Trenton, Online lenders.
Recommendations are gathered from 1,198 New Jersey local members who shopped and requested a home refinance mortgage in the past 12 months:
- – Loan Application (0 to 5): How easy it is to apply for the home refinance mortgage loan. How fast can it be done. What’s the amount of information asked. How fast do you get an answer for your loan.
- – Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- – Support & Guidance (0 to 5): Were you happy with the guidance you were offered or requested to make a good decision about your home refinance?
- – Recommendation (yes/no): Do you recommend this lender after going through the process?
More Loan Information for New Jersey Homeowners:
Home Refinance Loan Calculator
Loans Comparison Calculator: Heloc, Cash-Out, Home Equity, Renovation.
More Resources for New Jersey Homeowners.
Newark – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Newark’s area are Valley National Bank, Provident Bank and Columbia Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Valley National Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Provident Bank | Bank | 4.0 | 4.5 | 4.0 | 89% |
| Columbia Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| Lakeland Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Investors Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Garden Savings FCU | Credit Union | 4.0 | 3.5 | 4.5 | 81% |
| Affinity Federal CU | Credit Union | 3.5 | 4.0 | 4.0 | 80% |
| Northfield Bank | Bank | 3.5 | 3.5 | 4.0 | 78% |
| Peapack-Gladstone Bank | Community Bank | 3.5 | 3.5 | 3.5 | 75% |
| BCB Community Bank | Community Bank | 3.0 | 3.5 | 3.5 | 72% |
Jersey City – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Jersey City’s area are Provident Bank, Columbia Bank and Valley National Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Provident Bank | Bank | 4.5 | 4.5 | 4.5 | 91% |
| Columbia Bank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Valley National Bank | Bank | 4.0 | 4.0 | 4.5 | 87% |
| Investors Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Garden Savings FCU | Credit Union | 3.5 | 4.0 | 4.0 | 82% |
| Affinity Federal CU | Credit Union | 3.5 | 3.5 | 4.0 | 80% |
| Peapack-Gladstone Bank | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
Paterson – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Paterson’s area are Valley National Bank, Provident Bank and Columbia Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Valley National Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Provident Bank | Bank | 4.0 | 4.5 | 4.0 | 89% |
| Columbia Bank | Community Bank | 4.0 | 4.0 | 4.5 | 87% |
| Investors Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Garden Savings FCU | Credit Union | 4.0 | 3.5 | 4.5 | 81% |
| Affinity Federal CU | Credit Union | 3.5 | 4.0 | 4.0 | 80% |
| Peapack-Gladstone Bank | Community Bank | 3.5 | 3.5 | 3.5 | 75% |
Elizabeth – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Elizabeth’s area are NJ Lenders Corp., Columbia Bank and Provident Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| NJ Lenders Corp. | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Columbia Bank | Community Bank | 4.0 | 4.5 | 4.0 | 89% |
| Provident Bank | Bank | 4.0 | 4.0 | 4.5 | 87% |
| Valley National Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Investors Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Garden Savings FCU | Credit Union | 4.0 | 3.5 | 4.5 | 81% |
| Peapack-Gladstone Bank | Community Bank | 3.5 | 3.5 | 3.5 | 78% |
Lakewood – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Lakewood’s area are Lakewood Community Bank, OceanFirst Bank and Provident Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Lakewood Community Bank | Community Bank | 4.5 | 4.5 | 5.0 | 94% |
| OceanFirst Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Provident Bank | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Columbia Bank | Community Bank | 4.0 | 4.0 | 4.5 | 88% |
| Valley National Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| Garden Savings FCU | Credit Union | 4.0 | 3.5 | 4.5 | 84% |
| Investors Bank | Bank | 3.5 | 4.0 | 4.0 | 82% |
Edison – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Edison’s area are NJ Lenders Corp., Provident Bank and Columbia Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| NJ Lenders Corp. | Bank | 4.5 | 4.5 | 5.0 | 95% |
| Provident Bank | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Columbia Bank | Community Bank | 4.0 | 4.5 | 4.5 | 90% |
| Valley National Bank | Bank | 4.0 | 4.0 | 4.5 | 88% |
| Investors Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Garden Savings FCU | Credit Union | 4.0 | 3.5 | 4.5 | 83% |
| Peapack-Gladstone Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
Woodbridge – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Woodbridge’s area are Northfield Bank, Provident Bank and Columbia Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Northfield Bank | Bank | 4.5 | 4.5 | 4.5 | 93% |
| Provident Bank | Bank | 4.5 | 4.5 | 4.0 | 91% |
| Columbia Bank | Community Bank | 4.0 | 4.5 | 4.5 | 89% |
| Valley National Bank | Bank | 4.0 | 4.0 | 4.5 | 87% |
| Investors Bank | Bank | 4.0 | 4.0 | 4.0 | 85% |
| Garden Savings FCU | Credit Union | 4.0 | 3.5 | 4.5 | 83% |
| Peapack-Gladstone Bank | Community Bank | 3.5 | 3.5 | 3.5 | 80% |
Toms River – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Toms River’s area are Bank of America, Chase and Investors Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| Bank of America | Bank | 4.5 | 4.5 | 4.5 | 92% |
| Chase | Bank | 4.5 | 4.5 | 4.0 | 90% |
| Investors Bank | Bank | 4.0 | 4.5 | 4.0 | 88% |
| Kearny Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| OceanFirst Bank | Bank | 4.0 | 4.0 | 4.5 | 85% |
| PNC Bank | Bank | 3.5 | 4.0 | 4.0 | 83% |
| Santander Bank | Bank | 3.5 | 3.5 | 4.0 | 80% |
Hamilton Township – Mortgage Refinance Lenders
MFP’s Community Lenders Survey most recommended refinance lenders in Hamilton Township’s area are The Money Store, Hamilton Horizons Federal Credit Union and Advisors Mortgage Group.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| The Money Store | Bank | 4.5 | 4.5 | 5.0 | 94% |
| Hamilton Horizons Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 92% |
| Advisors Mortgage Group | Bank | 4.0 | 4.5 | 4.5 | 90% |
| Mercer County NJ Teachers FCU | Credit Union | 4.0 | 4.0 | 4.5 | 88% |
| Provident Bank | Bank | 4.0 | 4.0 | 4.0 | 86% |
| Columbia Bank | Community Bank | 3.5 | 4.0 | 4.0 | 84% |
| Investors Bank | Bank | 3.5 | 3.5 | 4.0 | 82% |
Trenton – Mortgage Refinance Lenders
TretonMFP’s Community Lenders Survey most recommended refinance lenders in Trenton’s area are TD Bank, PNC Bank and Truist Bank.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support and Guidance | Recommend |
|---|---|---|---|---|---|
| TD Bank | Bank | 4.5 | 4.0 | 4.5 | 92% |
| PNC Bank | Bank | 4.0 | 4.5 | 4.0 | 90% |
| Truist Bank | Bank | 4.0 | 4.0 | 4.0 | 88% |
| Affinity Federal Credit Union | Credit Union | 3.5 | 4.5 | 4.5 | 87% |
| Investors Bank (now part of Citizens Bank) | Community Bank | 3.5 | 4.0 | 4.0 | 85% |
| OceanFirst Bank | Community Bank | 3.5 | 3.5 | 4.0 | 83% |
| First Bank | Community Bank | 3.0 | 4.0 | 3.5 | 80% |
Best New Jersey Online Lenders – Mortgage Refinance
MFP’s Community Lenders Survey most online recommended refinance lenders in New Jersey are Rocket Mortgage, Better.com and LoanDepot.
| Lenders | Loan Amounts | APR Range | Loan Terms | Easy Application | Rate Satisfaction | Support and Guidance | Recommend (%) |
|---|---|---|---|---|---|---|---|
| Rocket Mortgage | Up to $3M | 5.5% – 7.5% | 15-30 years | 5 | 4.5 | 4.5 | 95% |
| Better.com | Up to $2M | 5.25% – 7.25% | 15-30 years | 4.5 | 4.5 | 4 | 93% |
| LoanDepot | Up to $3M | 5.75% – 7.75% | 10-30 years | 4.5 | 4 | 4 | 90% |
| Guaranteed Rate | Up to $2.5M | 5.5% – 7.5% | 15-30 years | 4 | 4.5 | 4.5 | 89% |
| New American Funding | Up to $1.5M | 5.25% – 7.25% | 15-30 years | 4 | 4 | 4.5 | 87% |
| PennyMac | Up to $3M | 5.75% – 7.75% | 15-30 years | 4 | 4 | 4 | 85% |
| Freedom Mortgage | Up to $1.5M | 5.5% – 7.5% | 15-30 years | 3.5 | 4 | 3.5 | 83% |
| SoFi | Up to $2M | 5.75% – 7.75% | 10-30 years | 4 | 3.5 | 3.5 | 82% |
| Mr. Cooper | Up to $3M | 5.5% – 7.5% | 15-30 years | 3.5 | 3.5 | 3.5 | 80% |
| Carrington Mortgage | Up to $1.5M | 6.0% – 8.0% | 15-30 years | 3 | 3.5 | 3.5 | 78% |
Related Articles
Home Mortgage Refinance
