Best jumbo mortgage lenders in Essex County, NJ
Loans above the conforming limit (jumbo) demand stronger files and are made by a narrower set of lenders. Here's who approves them. Based on 3,999 jumbo home-purchase decisions in Essex County reported to the federal government, 2018–2025 — ranked by how often each lender actually approved, adjusted for sample size.
For jumbo buyers in Essex County, lenders approved 92.8% — 6 points above the 87% all-buyer average in the county.
Top lenders for jumbo buyers in Essex County
Lenders with 25+ jumbo buyers decisions here, ranked by a sample-size-adjusted approval rate.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Nj Lenders Corp Little Falls, NJ | 100.0% | 70 | 0 | -0.09 pp |
| First Republic Bank San Francisco, CA | 100.0% | 56 | 0 | -0.63 pp |
| Citibank, Na New York, NY | 95.7% | 350 | 15 | -0.72 pp |
| Guaranteed Rate, Inc. Chicago, IL | 95.8% | 312 | 13 | -0.04 pp |
| Morgan Stanley Private Bank Na Purchase, NY | 97.3% | 112 | 3 | -0.50 pp |
| Bank Of America Na Westlake Village, CA | 94.3% | 371 | 21 | -0.54 pp |
| Guaranteed Rate Affinity, Llc Chicago, IL | 100.0% | 38 | 0 | -0.14 pp |
| Jpmorgan Chase Bank, Na Columbus, OH | 93.8% | 341 | 21 | -0.29 pp |
| Wells Fargo Bank Na Minneapolis, MN | 91.7% | 604 | 50 | -0.50 pp |
| Us Bank, N.a. Cincinnati, OH | 94.6% | 129 | 7 | -0.14 pp |
| Santander Bank N.a. New York, NY | 97.5% | 40 | 1 | -0.05 pp |
| Valley National Bank Morristown, NJ | 97.4% | 39 | 1 | -0.17 pp |
| Investors Bank Iselin, NJ | 94.2% | 69 | 4 | -0.10 pp |
| Td Bank Mount Laurel, NJ | 91.2% | 160 | 14 | -0.07 pp |
| Hsbc Bank Usa, Na Chicago, IL | 95.6% | 45 | 2 | -0.36 pp |
Why jumbo buyers were denied here
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Source: CFPB HMDA data, 2018–2025 · first-lien home-purchase mortgages on 1–4 family homes, jumbo buyers in Essex County, NJ. Rankings describe past approval behavior, not a prediction for your loan. Methodology →