Top Picks · Atlantic City
Best Mortgage Brokers in Atlantic City, NJ
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As of July 2026, RatingsNearMe ranks 11 mortgage brokers in Atlantic City, NJ by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is Atlantic Coast Mortgage with a 4.9-star rating from 477 Google reviews and an RNM Score of 90/100. Also in the top tier: Tidewater Mortgage Services, Inc. and Mid-Atlantic Mortgage Girl - Jenel Poole Davis. The average rating across all listed mortgage brokers in Atlantic City is 5 stars from 125 reviews per business on average.
Mortgage brokers in Atlantic City: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
American Home Lending
American Home Lending stands out as the top-ranked broker in Atlantic City due to its consistent high ratings and strong local reputation.
Most Reviewed
Union Home Mortgage
A high volume of reviews suggests broad customer experience and reliable service, helping borrowers gauge satisfaction.
When selecting a mortgage broker in Atlantic City, compare interest rates and fees across multiple lenders, and check each company's licensing and customer reviews to ensure a trustworthy experience.
Local Market Snapshot
11
Businesses listed
5★
Avg rating
125
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Boasts a stellar 4.9-star rating from nearly 500 Google reviews.
4097 Monument Corner Dr 6th floor, Fairfax, VA 22030, USA5.0 stars from 152 reviews, reflecting exceptional client satisfaction in Atlantic City.
30 Freneau Ave #2c, Matawan, NJ 07747, USATop-rated Atlantic City mortgage broker with a perfect 5.0★ score from 147 reviews.
14 Billy Goss Loop, North East, MD 21901, USAMortgage Brokers Rankings in Atlantic City, NJ
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | Atlantic Coast Mortgage4097 Monument Corner Dr 6th floor, Fairfax, VA 22030, USA | 4.9★ | 477 |
| #2 | Tidewater Mortgage Services, Inc.30 Freneau Ave #2c, Matawan, NJ 07747, USA | 5.0★ | 152 |
| #3 | Mid-Atlantic Mortgage Girl - Jenel Poole Davis14 Billy Goss Loop, North East, MD 21901, USA | 5.0★ | 147 |
| #4 | Rate211 31st St S Suite 1, Brigantine, NJ 08203, USA | — | — |
| #5 | Jamie Silva, M.S. at Rate (NMLS #2368437)211 31st St S Suite 1, Brigantine, NJ 08203, USA | 5.0★ | 34 |
| #6 | Atlantis Mortgage Co Inc55 Oceanport Ave, West Long Branch, NJ 07764, USA | 4.9★ | 69 |
| #7 | Atlantic Financial Services1295 Roosevelt Ave, Carteret, NJ 07008, USA | 5.0★ | 58 |
| #8 | Unity Residential and commercial Mortgage, INC1806 NJ-35 Ste. #303, Oakhurst, NJ 07755, USA | 5.0★ | 115 |
| #9 | Union Home Mortgage2111 New Rd Suite 106, Northfield, NJ 08225, USA | 4.8★ | 73 |
| #10 | American Home Lending201 W Decatur Ave, Pleasantville, NJ 08232, USA | 5.0★ | 1 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Atlantic City
No reviews yet for this Atlantic City mortgage broker; rating is unavailable.
211 31st St S Suite 1, Brigantine, NJ 08203, USA
Rated 5.0 stars from 34 Google reviews, this broker is highly trusted by clients.
211 31st St S Suite 1, Brigantine, NJ 08203, USA
Top-rated Atlantic City mortgage broker with 4.9 stars from 69 Google reviews.
55 Oceanport Ave, West Long Branch, NJ 07764, USA
Top-rated Atlantic City mortgage broker with a perfect 5.0 rating from 58 reviews.
1295 Roosevelt Ave, Carteret, NJ 07008, USA
Trusted by hundreds of local clients, this broker maintains a flawless 5.0-star rating.
1806 NJ-35 Ste. #303, Oakhurst, NJ 07755, USA
4.8 stars from 73 reviews makes this a standout Atlantic City mortgage broker.
2111 New Rd Suite 106, Northfield, NJ 08225, USA
Exceptional 5.0-star rating from a handful of Google reviews.
201 W Decatur Ave, Pleasantville, NJ 08232, USA
New mortgage broker in Atlantic City, NJ, with no customer reviews yet.
8025 Black Horse Pike, Pleasantville, NJ 08232, USA
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Mortgage Brokers in Atlantic City, NJ — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | Atlantic Coast Mortgage | 90/100 | 4.9 ★ | 477 |
| 2 | Tidewater Mortgage Services, Inc. | 97/100 | 5.0 ★ | 152 |
| 3 | Mid-Atlantic Mortgage Girl - Jenel Poole Davis | 97/100 | 5.0 ★ | 147 |
| 4 | Rate | 3/100 | — | 0 |
| 5 | Jamie Silva, M.S. at Rate (NMLS #2368437) | 89/100 | 5.0 ★ | 34 |
| 6 | Atlantis Mortgage Co Inc | 91/100 | 4.9 ★ | 69 |
| 7 | Atlantic Financial Services | 92/100 | 5.0 ★ | 58 |
| 8 | Unity Residential and commercial Mortgage, INC | 96/100 | 5.0 ★ | 115 |
| 9 | Union Home Mortgage | 90/100 | 4.8 ★ | 73 |
| 10 | American Home Lending | 74/100 | 5.0 ★ | 1 |
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 Atlantic City
What does a mortgage broker do differently than going directly to a bank in Atlantic 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 Atlantic 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 4, 2026.
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