Best Value · Jersey City
Affordable Mortgage Brokers in Jersey City, NJ
Find quality mortgage brokers that fit your budget. Compare prices, read reviews, and request free quotes — no obligation.
As of July 2026, RatingsNearMe ranks 17 mortgage brokers in Jersey City, NJ by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is American Federal Mortgage Corporation with a 4.9-star rating from 749 Google reviews and an RNM Score of 98/100. Also in the top tier: Forward Mortgage, LLC - New Jersey Mortgage Broker and Brightwire Loans. The average rating across all listed mortgage brokers in Jersey City is 4.8 stars from 106 reviews per business on average.
Mortgage brokers in Jersey City: 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.
Best Overall
Asset Based Lending
Asset Based Lending is top-ranked for its specialization in non-QM and asset-based loans, offering flexible solutions for self-employed and real estate investors.
Most Reviewed
NJ Lenders Corp.- Hoboken, NJ (NMLS# 1381344)
A high review count indicates strong customer trust and consistent service quality, helping borrowers feel confident in their choice.
When choosing a mortgage broker in Jersey City, compare loan options and fees across multiple brokers, and prioritize those with transparent communication and local market expertise.
Local Market Snapshot
17
Businesses listed
4.8★
Avg rating
106
Avg reviews
Jul 5, 2026
Last updated
Top Rated Mortgage Brokers
Trusted by hundreds of local clients with a 4.9-star rating.
360 Rte 24, Chester, NJ 07930, USAJersey City mortgage broker with 5.0 stars from 164 Google reviews.
277 Fairfield Rd # 333, Fairfield, NJ 07004, USAJersey City mortgage broker with a perfect 5.0 rating from over 100 reviews.
837 Kinderkamack Rd, River Edge, NJ 07661, USAMortgage Brokers Rankings in Jersey City, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | American Federal Mortgage Corporation360 Rte 24, Chester, NJ 07930, USA | 4.9★ | 749 |
| #2 | Forward Mortgage, LLC - New Jersey Mortgage Broker277 Fairfield Rd # 333, Fairfield, NJ 07004, USA | 5.0★ | 164 |
| #3 | Brightwire Loans837 Kinderkamack Rd, River Edge, NJ 07661, USA | 5.0★ | 116 |
| #4 | Daniel Lemeshev at CrossCountry Mortgage258 Newark St. Suite C, Hoboken, NJ 07030, USA | 4.8★ | 126 |
| #5 | Lawrence Zhou - Mortgage Loan Originator5 River St, Hoboken, NJ 07030, USA | 5.0★ | 102 |
| #6 | NJ Lenders Corp.- Hoboken, NJ (NMLS# 1381344)33-41 Newark St. Suite 4B, Hoboken, NJ 07030, USA | 5.0★ | 77 |
| #7 | Alex Clavijo @Loan Depot :NMLS ID 2016975 Marine Vw Plz, Hoboken, NJ 07030, USA | 5.0★ | 50 |
| #8 | PRMG101 Hudson St 21st Floor, Jersey City, NJ 07302, USA | 4.8★ | 29 |
| #9 | Oqvest111 Town Square Pl Suite 1203, Jersey City, NJ 07310, USA | 5.0★ | 26 |
| #10 | Pinnacle Mortgage610 Newark St., Hoboken, NJ 07030, USA | 3.6★ | 11 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Jersey City
4.8 stars from 126 reviews, reflecting exceptional client satisfaction in Jersey City.
258 Newark St. Suite C, Hoboken, NJ 07030, USA
5.0 stars from over 100 reviews, trusted by Jersey City homeowners.
5 River St, Hoboken, NJ 07030, USA
Trusted by 77 clients, this Jersey City mortgage broker holds a perfect 5.0-star rating.
33-41 Newark St. Suite 4B, Hoboken, NJ 07030, USA
5.0-star rating from 50 Google reviews, reflecting exceptional client satisfaction.
5 Marine Vw Plz, Hoboken, NJ 07030, USA
Jersey City mortgage broker with a 4.8-star rating from 29 reviews.
101 Hudson St 21st Floor, Jersey City, NJ 07302, 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 3.6 stars from 11 Google reviews, this Jersey City broker has mixed feedback.
610 Newark St., Hoboken, NJ 07030, USA
Exceptional 5.0-star rating from 8 Google reviews for a Jersey City mortgage broker.
5 Marine Vw Plz, Hoboken, NJ 07030, 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
5.0-star rating from 68 Google reviews, a trusted local mortgage broker.
37 Greenpoint Ave, 414 Mailbox 32, Brooklyn, NY 11222, 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 51 clients with a perfect 5.0-star rating in Jersey City.
591 Summit Ave #517, Jersey City, NJ 07306, USA
Rated 5.0 stars from 38 reviews, trusted by Jersey City homeowners and buyers.
418 West Side Ave, Jersey City, NJ 07305, 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
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Mortgage Brokers in Jersey City, NJ — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | American Federal Mortgage Corporation | 98/100 | 4.9 ★ | 749 |
| 2 | Forward Mortgage, LLC - New Jersey Mortgage Broker | 98/100 | 5.0 ★ | 164 |
| 3 | Brightwire Loans | 96/100 | 5.0 ★ | 116 |
| 4 | Daniel Lemeshev at CrossCountry Mortgage | 93/100 | 4.8 ★ | 126 |
| 5 | Lawrence Zhou - Mortgage Loan Originator | 87/100 | 5.0 ★ | 102 |
| 6 | NJ Lenders Corp.- Hoboken, NJ (NMLS# 1381344) | 85/100 | 5.0 ★ | 77 |
| 7 | Alex Clavijo @Loan Depot :NMLS ID 201697 | 91/100 | 5.0 ★ | 50 |
| 8 | PRMG | 85/100 | 4.8 ★ | 29 |
| 9 | Oqvest | 88/100 | 5.0 ★ | 26 |
| 10 | Pinnacle Mortgage | 60/100 | 3.6 ★ | 11 |
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 Jersey City
What does a mortgage broker do differently than going directly to a bank in Jersey City?
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 Jersey City?
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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