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Affordable Mortgage Brokers in Bayonne, NJ
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As of July 2026, RatingsNearMe ranks 20 mortgage brokers in Bayonne, NJ by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Epic Mortgage Company, LLC;NMLS# 2498246 with a 5.0-star rating from 38 Google reviews and an RNM Score of 78/100. Also in the top tier: AMS Mortgage Services, Inc and Joe Daleo at AMS Mortgage Services (NMLS #286430). The average rating across all listed mortgage brokers in Bayonne is 4.8 stars from 321 reviews per business on average.
Mortgage brokers in Bayonne: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 5, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
321
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Rated 5.0 stars from 38 reviews, trusted by Jersey City homeowners and buyers.
418 West Side Ave, Jersey City, NJ 07305, USATop-rated Newark mortgage broker with 4.8 stars from 24 Google reviews.
375 Chestnut St, Newark, NJ 07105, USAA 5.0-star mortgage broker in Newark with 11 glowing Google reviews.
375 Chestnut St, Newark, NJ 07105, USAMortgage Brokers Rankings in Bayonne, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Epic Mortgage Company, LLC;NMLS# 2498246418 West Side Ave, Jersey City, NJ 07305, USA | 5.0★ | 38 |
| #2 | AMS Mortgage Services, Inc375 Chestnut St, Newark, NJ 07105, USA | 4.8★ | 24 |
| #3 | Joe Daleo at AMS Mortgage Services (NMLS #286430)375 Chestnut St, Newark, NJ 07105, USA | 5.0★ | 11 |
| #4 | Mortgages By AJ375 Chestnut St #3C, Newark, NJ 07105, USA | 5.0★ | 26 |
| #5 | American Fidelity Mortgage, LLC146 Delancy St, Newark, NJ 07105, USA | 3.8★ | 16 |
| #6 | Eddie Morais – Branch Manager – NMLS #243926109 Nichols St, Newark, NJ 07105, USA | 5.0★ | 2 |
| #7 | MCM GROUP84 Clinton Ave 1st Floor (Suite 1, Newark, NJ 07114, USA | 5.0★ | 13 |
| #8 | PRMG101 Hudson St 21st Floor, Jersey City, NJ 07302, USA | 4.8★ | 29 |
| #9 | Johnny Tsu @ Exponential Mortgage101 Hudson St #2182, Jersey City, NJ 07302, USA | 5.0★ | 30 |
| #10 | Asset Based Lending30 Montgomery St Suite 150, Jersey City, NJ 07302, USA | 4.0★ | 123 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Bayonne
Earns a perfect 5.0-star rating from 26 Google reviews in Newark.
375 Chestnut St #3C, Newark, NJ 07105, USA
Consistently rated 3.8 stars from 16 Google reviews for mortgage services in Newark.
146 Delancy St, Newark, NJ 07105, USA
Earned a perfect 5.0-star rating from early customer reviews in Newark.
109 Nichols St, Newark, NJ 07105, USA
A 5.0-star rating from 13 Google reviews highlights exceptional local mortgage service.
84 Clinton Ave 1st Floor (Suite 1, Newark, NJ 07114, USA
Jersey City mortgage broker with a 4.8-star rating from 29 reviews.
101 Hudson St 21st Floor, Jersey City, NJ 07302, USA
A top-rated Jersey City mortgage broker with a perfect 5.0★ score from 30 reviews.
101 Hudson St #2182, Jersey City, NJ 07302, USA
Trusted by hundreds, this Jersey City mortgage broker holds a solid 4.0-star rating.
30 Montgomery St Suite 150, Jersey City, NJ 07302, USA
Trusted by 51 clients with a perfect 5.0-star rating in Jersey City.
591 Summit Ave #517, Jersey City, NJ 07306, USA
Trusted Newark mortgage broker with a 4.9-star rating from 16 reviews.
80 W Grand St 3rd Floor, Elizabeth, NJ 07201, USA
A 4.7-star rating from 2,664 reviews highlights trusted service in Newark.
60 Park Pl 8th floor, Newark, NJ 07102, USA
Jersey City mortgage broker with a 4.9-star rating from 34 Google reviews.
3 2nd Street Ste. 302 Harborside, Jersey City, NJ 07302, USA
Rated 5.0 stars from 94 Google reviews by local clients.
50 Park Pl STE 301, Newark, NJ 07102, USA
Exceptional 5.0-star rating from 26 Google reviews for a Jersey City mortgage broker.
111 Town Square Pl Suite 1203, Jersey City, NJ 07310, USA
Rated 5.0 stars from 26 Google reviews, this New York mortgage broker is highly trusted.
2 Wall St, New York, NY 10005, USA
Rated 3.6 stars from 11 Google reviews, this Jersey City broker has mixed feedback.
610 Newark St., Hoboken, NJ 07030, USA
Top-rated New York mortgage broker with a perfect 5.0-star rating from 48 reviews.
One World Trade Center, 285 Fulton St, New York, NY 10007, USA
Trusted by thousands, this New York mortgage broker holds a strong 4.6-star rating.
1 World Trade Center 80th Floor, New York, NY 10007, USA
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Mortgage Brokers in Bayonne, NJ — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Epic Mortgage Company, LLC;NMLS# 2498246 | 78/100 | 5.0 ★ | 38 |
| 2 | AMS Mortgage Services, Inc | 84/100 | 4.8 ★ | 24 |
| 3 | Joe Daleo at AMS Mortgage Services (NMLS #286430) | 72/100 | 5.0 ★ | 11 |
| 4 | Mortgages By AJ | 76/100 | 5.0 ★ | 26 |
| 5 | American Fidelity Mortgage, LLC | 65/100 | 3.8 ★ | 16 |
| 6 | Eddie Morais – Branch Manager – NMLS #243926 | 64/100 | 5.0 ★ | 2 |
| 7 | MCM GROUP | 73/100 | 5.0 ★ | 13 |
| 8 | PRMG | 85/100 | 4.8 ★ | 29 |
| 9 | Johnny Tsu @ Exponential Mortgage | 89/100 | 5.0 ★ | 30 |
| 10 | Asset Based Lending | 79/100 | 4.0 ★ | 123 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Mortgage Brokers in Bayonne
What does a mortgage broker do differently than going directly to a bank in Bayonne?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Bayonne?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in NJ?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 5, 2026.
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