HMDA 2025
Mortgage lenders in New Jersey
Lenders reported 366,022 home-loan applications for properties in New Jersey in 2025; 177,469 became loans and the denial rate on decided applications was 22.9%. The busiest county was Ocean County with 34,338 applications.
Most active lenders across New Jersey's counties
- Rocket Mortgage, LLC 16,703 applications
- JPMorgan Chase Bank, National Association 14,736 applications
- TD Bank, National Association 13,856 applications
- Bank of America, National Association 13,566 applications
- PENNYMAC LOAN SERVICES, LLC 13,459 applications
- PNC Bank, National Association 13,424 applications
- Citizens Bank, National Association 12,622 applications
- CROSSCOUNTRY MORTGAGE, INC. 12,057 applications
- UNITED SHORE FINANCIAL SERVICES, LLC 10,604 applications
- GUARANTEED RATE, INC. 9,327 applications
- NEWREZ LLC 8,951 applications
- Loandepot.Com, LLC 6,495 applications
- AMERIHOME MORTGAGE COMPANY, LLC 5,761 applications
- NATIONSTAR MORTGAGE LLC 5,244 applications
- FREEDOM MORTGAGE CORPORATION 5,080 applications
Counties
| County | Applications | Lenders | Denial rate | Purchase / refi loans |
|---|---|---|---|---|
| Atlantic County | 13,095 | 426 | 24.6% | 3,062 / 1,877 |
| Bergen County | 32,268 | 497 | 23.9% | 6,818 / 5,015 |
| Burlington County | 23,660 | 476 | 22.2% | 5,108 / 3,989 |
| Camden County | 24,224 | 460 | 24.1% | 5,303 / 3,959 |
| Cape May County | 7,517 | 366 | 19.5% | 2,197 / 1,149 |
| Cumberland County | 6,043 | 286 | 26.3% | 1,407 / 892 |
| Essex County | 26,337 | 489 | 26.1% | 5,314 / 4,153 |
| Gloucester County | 16,106 | 397 | 22.3% | 3,759 / 2,545 |
| Hudson County | 15,876 | 438 | 25.9% | 4,027 / 2,054 |
| Hunterdon County | 5,645 | 328 | 19.3% | 1,218 / 965 |
| Mercer County | 14,707 | 421 | 21.4% | 3,476 / 2,527 |
| Middlesex County | 29,732 | 496 | 24.1% | 6,174 / 4,893 |
| Monmouth County | 30,559 | 501 | 21.0% | 6,725 / 5,036 |
| Morris County | 20,702 | 450 | 19.3% | 4,562 / 3,414 |
| Ocean County | 34,338 | 481 | 21.1% | 7,532 / 5,704 |
| Passaic County | 15,595 | 403 | 26.6% | 3,164 / 2,340 |
| Salem County | 3,343 | 250 | 22.5% | 832 / 519 |
| Somerset County | 13,346 | 420 | 20.2% | 3,106 / 2,195 |
| Sussex County | 8,630 | 348 | 22.0% | 1,831 / 1,317 |
| Union County | 18,761 | 453 | 24.8% | 3,878 / 2,949 |
| Warren County | 5,538 | 328 | 22.5% | 1,238 / 829 |