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Directory of mortgage lenders in Lodi, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Lodi, NJ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New Jersey before hiring.
Showing 4 mortgage lenders in Lodi, NJ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Valley Bank
147 Main St, Lodi, NJ 07644
9734721131
Spencer Savings Bank
107 S Main St, Lodi, NJ 07644
9734721581
Chase Mortgage
370 Essex St, Lodi, NJ 07644
2018454868
Lynette Hennessey - Mortgage Loan Officer
150 Main St, Lodi, NJ 07644
9732193519
Mortgage lenders in Lodi, New Jersey help homebuyers and homeowners secure financing for home purchases or refinancing. New Jersey law requires lenders to be licensed by the New Jersey Department of Banking and Insurance. Local lenders understand Bergen County property values and can guide you through the state-specific closing process.
What Does a Mortgage Lender in Lodi Cost?
Typical costs for a mortgage in New Jersey include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costs of $1,000 to $2,500. Closing costs in New Jersey generally range from 2% to 5% of the purchase price. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Lodi?
You typically need pay stubs, tax returns, bank statements, and proof of identification. New Jersey lenders also require a property appraisal and title search.
How long does the mortgage process take in New Jersey?
The process usually takes 30 to 45 days from application to closing. New Jersey law requires a three-day rescission period for refinances under certain circumstances.
Are there first-time homebuyer programs in Lodi?
Yes, New Jersey offers programs like the NJHMFA First-Time Homebuyer Mortgage Program. These programs provide down payment assistance and competitive rates for eligible buyers.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the New Jersey.