Which of the following can be classified as a mortgage lender under New Jersey law?

In New Jersey, the classification of what constitutes a mortgage lender is quite inclusive, which is why all the entities listed can indeed qualify under the law. A nonprofit housing organization is often involved in facilitating loans, especially to assist low- to moderate-income individuals, making it a key player in the mortgage lending landscape.

Similarly, a state-chartered bank commonly engages in mortgage lending as part of its services, offering various loan products for residential properties. This is a standard function of banks, and they must adhere to specific state regulations governing such transactions.

A title company can also act as a mortgage lender, particularly when they provide financing for real estate transactions or when they partner with lenders to facilitate loans. This means they can be involved in aspects of the mortgage process that align them with the definition of a mortgage lender.

Because each of these organizations plays a significant role in the mortgage lending process in different capacities, it is accurate to conclude that all of them can be classified as mortgage lenders under New Jersey law.