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4.5+ Stars · Bayonne
Highly Rated Mortgage Brokers in Bayonne, NJ
Only the best make this list. These mortgage brokers in Bayonne have earned 4.5+ star ratings from real customers — consistently.
As of May 2026, RatingsNearMe ranks 20 mortgage brokers in Bayonne, NJ by verified customer ratings and review volume. The highest-rated is Epic Mortgage Company, LLC;NMLS# 2498246 with a 5.0-star rating from 38 verified reviews. Also in the top tier: Joe Daleo at AMS Mortgage Services (NMLS #286430) and AMS Mortgage Services, Inc. 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 May 17, 2026 · Scored by 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
May 17, 2026
Last updated
Top Rated Mortgage Brokers
Epic Mortgage Company, LLC;NMLS# 2498246
418 West Side Ave, Jersey City, NJ 07305, USA
Joe Daleo at AMS Mortgage Services (NMLS #286430)
375 Chestnut St, Newark, NJ 07105, USA
AMS Mortgage Services, Inc
375 Chestnut St, Newark, NJ 07105, USA
Mortgage 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 | Joe Daleo at AMS Mortgage Services (NMLS #286430)375 Chestnut St, Newark, NJ 07105, USA | 5.0★ | 11 |
| #3 | AMS Mortgage Services, Inc375 Chestnut St, Newark, NJ 07105, USA | 4.8★ | 24 |
| #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 May 2026
All Mortgage Brokers in Bayonne
Mortgages By AJ
375 Chestnut St #3C, Newark, NJ 07105, USA
American Fidelity Mortgage, LLC
146 Delancy St, Newark, NJ 07105, USA
Eddie Morais – Branch Manager – NMLS #243926
109 Nichols St, Newark, NJ 07105, USA
MCM GROUP
84 Clinton Ave 1st Floor (Suite 1, Newark, NJ 07114, USA
Johnny Tsu @ Exponential Mortgage
101 Hudson St #2182, Jersey City, NJ 07302, USA
Asset Based Lending
30 Montgomery St Suite 150, Jersey City, NJ 07302, USA
Lightning Mortgage
591 Summit Ave #517, Jersey City, NJ 07306, USA
Virtue Funding LLC
80 W Grand St 3rd Floor, Elizabeth, NJ 07201, USA
NACA
60 Park Pl 8th floor, Newark, NJ 07102, USA
Alterra Home Loans
3 2nd Street Ste. 302 Harborside, Jersey City, NJ 07302, USA
Brick City Capital
50 Park Pl STE 301, Newark, NJ 07102, USA
Jumbo Mortgage & Construction Mortgage
2 Wall St, New York, NY 10005, USA
Lending Buddy
One World Trade Center, 285 Fulton St, New York, NY 10007, USA
Better
1 World Trade Center 80th Floor, New York, NY 10007, USA
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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: May 17, 2026.
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