New Jersey Foreclosure Lender Concentration (2026)
105 distinct plaintiffs across 164 foreclosure filings
Who is filing foreclosures in New Jersey? We tracked every plaintiff name from court-record foreclosure filings to identify the most active lenders and servicers. This data helps investors understand which institutions are generating the most distressed inventory in each market.
Top 5 Concentration
The top 5 filers account for 29 of 164 filings (18% of total volume). This indicates moderate concentration — no single lender dominates.
Plaintiff Rankings
| # | Plaintiff / Lender | Filings | % of Total |
|---|---|---|---|
| 1 | LAKEVIEW LOAN SERVICING LLC | 7 | 4.3% |
| 2 | NEWREZ LLC | 6 | 3.7% |
| 3 | JOST BRYAN | 6 | 3.7% |
| 4 | WELLS FARGO BANK NA | 5 | 3.0% |
| 5 | RCF 2 ACQUISITION TRUST | 5 | 3.0% |
| 6 | FREEDOM MORTGAGE CORP | 5 | 3.0% |
| 7 | TD BANK NA | 4 | 2.4% |
| 8 | ROCKET MORTGAGE LLC | 4 | 2.4% |
| 9 | FEDERAL HOME LOAN MORTGAGE CORP | 4 | 2.4% |
| 10 | DEUTSCHE BANK NATIONAL TRUST CO | 4 | 2.4% |
| 11 | SIXTY ACRE RESERVE CONDOMINIUM ASSN INC | 3 | 1.8% |
| 12 | PENNYMAC LOAN SERVICES LLC | 3 | 1.8% |
| 13 | FCR TL TRUST | 3 | 1.8% |
| 14 | BANK OF AMERICA NA | 3 | 1.8% |
| 15 | U.S. BANK TRUST COMPANY NA | 2 | 1.2% |
What Lender Concentration Means for Investors
When a small number of servicers file most of the foreclosures, they often follow predictable timelines and processes. Investors who understand a specific servicer's default timeline can better predict when properties will become available and at what price points.
Servicers also tend to have geographic concentration within a state — certain lenders dominate certain counties. Knowing which servicer is active in your target market helps you anticipate inventory before it hits the auction list.
Track foreclosure filings in real time
Keystone monitors court records daily and delivers new filings with verified owner contact information — typically days before the property appears on any public foreclosure list.
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Frequently Asked Questions
Which lenders file the most foreclosures in New Jersey?
The lender concentration data shows which banks, servicers, and GSEs file the most foreclosure actions. This data comes directly from court filings and is updated as new cases are filed.
Why does lender concentration matter for investors?
Knowing which lenders dominate foreclosure filings helps investors understand loss mitigation patterns, typical timelines from filing to auction, and which servicers are more likely to approve short sales or negotiate with borrowers.
How often is lender filing data updated?
Keystone updates court filing data daily. Lender concentration analytics are recalculated periodically to reflect the latest filing patterns.
What's the difference between a lender, servicer, and trustee in foreclosure filings?
The lender is the original loan provider. The servicer collects payments and manages the loan. The trustee holds the deed of trust. In court filings, any of these may appear as the plaintiff.
Can I filter foreclosure leads by lender?
Keystone's intelligence reports show which lenders are most active in each county. Lead filtering by plaintiff/lender is part of the data available to subscribers.