2025 · New Jersey
Most active investment-property lenders in New Jersey
In 2025, 17,612 investment-property loans were originated on single-family 1-4 unit homes in New Jersey. These are the lenders that wrote the most of them, by HMDA-reported volume.
New Jersey lender rankings
| # | Lender | Focus | Originations | Volume | Biz-purpose |
|---|---|---|---|---|---|
| 1 | Loan Funder LLC | DSCR / biz | 1,217 | $548M | 100% |
| 2 | Kiavi Funding, Inc. | DSCR / biz | 1,137 | $400M | 100% |
| 3 | Crosscountry Mortgage, Inc. | DSCR / biz | 740 | $313M | 100% |
| 4 | Champions Funding, LLC | DSCR / biz | 711 | $294M | 100% |
| 5 | RF Renovo Management Company, LLC | DSCR / biz | 658 | $237M | 100% |
| 6 | United Shore Financial Services, LLC | DSCR / biz | 540 | $189M | 100% |
| 7 | Guaranteed Rate, Inc. | DSCR / biz | 505 | $236M | 100% |
| 8 | The Loan Store, Inc. | Mixed | 450 | $196M | 44% |
| 9 | Velocity Commercial Capital, LLC | DSCR / biz | 370 | $143M | 100% |
| 10 | Emporium Tpo LLC | DSCR / biz | 359 | $173M | 99% |
Lenders with at least 10 reported investor originations in New Jersey, top 10.
How investors borrow in New Jersey
The rate premium, denial rate, and DSCR share in New Jersey — Investor Financing Report.
Where New Jersey cash-flows
Gross rental yield and top metros in New Jersey — Best Cash-Flow Markets.
Frequently asked questions
Who are the most active investment-property lenders in New Jersey?
By 2025 HMDA-reported volume, the most active investment-property (single-family 1-4 unit) lenders in New Jersey were Loan Funder LLC (1,217 originations), Kiavi Funding, Inc. (1,137), and Crosscountry Mortgage, Inc. (740). 17,612 investor loans were originated statewide.
Which New Jersey lenders focus on DSCR / business-purpose loans?
Lenders whose New Jersey investor loans are mostly business- or commercial-purpose (the DSCR/LLC bucket) include Loan Funder LLC, Kiavi Funding, Inc., Crosscountry Mortgage, Inc., Champions Funding, LLC. Each lender's mix is flagged in the table.
Is this a ranking of the best lenders?
No — it ranks HMDA-reported origination volume, not rate, service, or terms. HMDA omits non-reporting private/hard-money lenders and under-captures business-purpose loans. Use it as a research starting point, not a recommendation.
Run a New Jersey deal
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Most active by reported volume, not a quality ranking. Lender names resolved from the 2024 HMDA filers registry (LEIs are stable across years) with a GLEIF fallback. The 2025 HMDA institution registry was not yet published at build time.