Foreclosure plaintiffs, explained
Most New Jersey foreclosures are brought by a company the homeowner never borrowed from: a trustee, a servicer that bought the rights, or a loan owner. Find the name on your complaint to see who they are and who you should actually call.
The most frequent plaintiffs on New Jersey sheriff sale lists, with how many scheduled sales named each one (as of October 5, 2026, 16 counties).
U.S. Bank, as trustee
Trustee for a loan trust
250scheduled sales
Lakeview Loan Servicing
Mortgage servicer
90scheduled sales
Wilmington Savings Fund Society, as trustee
Trustee for a loan trust
65scheduled sales
Freedom Mortgage
Mortgage servicer
59scheduled sales
NJ Housing and Mortgage Finance Agency
Loan owner / agency
55scheduled sales
Newrez / Shellpoint
Mortgage servicer
51scheduled sales
PennyMac
Mortgage servicer
49scheduled sales
Deutsche Bank, as trustee
Trustee for a loan trust
43scheduled sales
Wells Fargo
Mortgage servicer
41scheduled sales
Nationstar Mortgage (Mr. Cooper)
Mortgage servicer
34scheduled sales
Rocket Mortgage
Mortgage servicer
31scheduled sales
Carrington Mortgage Services
Mortgage servicer
30scheduled sales
Bank of New York Mellon, as trustee
Trustee for a loan trust
29scheduled sales
M&T Bank
Mortgage servicer
25scheduled sales
Freddie Mac
Loan owner / agency
25scheduled sales
The owner (investor) holds the loan: Fannie Mae, Freddie Mac, a Ginnie Mae pool, a bank, or a trust owned by investors. Its rules decide which workouts are possible.
The trustee holds the loans for a trust on the investors' behalf and often brings the foreclosure in its own name, followed by “as trustee for” and the trust's name. It does not manage your account day to day.
The servicer is who you pay. It runs the account, reviews assistance applications and usually hires the foreclosure attorney. For anything practical, the servicer is who you call.
Not sure who your servicer is? See how to find out who owns your mortgage and our verified servicer directory.
Counts are scheduled sheriff sales from public county lists, not completed sales. We are not affiliated with or paid by any company listed. Educational information, not legal advice.
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