New Jersey · HMDA 2025
Mortgage lenders in Bergen County, NJ
497 lenders reported 32,268 home-loan applications in Bergen County in 2025. 15,516 closed as loans ($8.8B), 5,180 were denied — a 23.9% denial rate on decided applications, close to the New Jersey rate of 22.9%. The three most active lenders handled 15% of applications, led by Bank of America, National Association. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 32,268
- Loans originated
- 15,516
- Purchase / refinance
- 6,818 / 5,015
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Bergen County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Bank of America, National Association 59 out of 100, Moderate | 1,703 | 5.3% | 44.7% |
| 2 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,635 | 5.1% | 14.1% |
| 3 | TD Bank, National Association 63 out of 100, Moderate | 1,611 | 5.0% | 35.3% |
| 4 | Rocket Mortgage, LLC | 1,338 | 4.1% | — |
| 5 | Citizens Bank, National Association 54 out of 100, Below average | 1,269 | 3.9% | 32.5% |
| 6 | CROSSCOUNTRY MORTGAGE, INC. | 1,053 | 3.3% | — |
| 7 | PENNYMAC LOAN SERVICES, LLC | 938 | 2.9% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 925 | 2.9% | — |
| 9 | NEWREZ LLC | 881 | 2.7% | — |
| 10 | GUARANTEED RATE, INC. | 851 | 2.6% | — |
| 11 | PNC Bank, National Association 62 out of 100, Moderate | 797 | 2.5% | 33.8% |
| 12 | Visions Federal Credit Union 64 out of 100, Moderate | 621 | 1.9% | 32.6% |
| 13 | Loandepot.Com, LLC | 586 | 1.8% | — |
| 14 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 530 | 1.6% | 32.9% |
| 15 | Valley National Bank 60 out of 100, Moderate | 462 | 1.4% | 21.0% |
| 16 | SPRING EQ, LLC | 457 | 1.4% | — |
| 17 | Coastal Community Bank 35 out of 100, Low | 443 | 1.4% | 3.0% |
| 18 | NATIONSTAR MORTGAGE LLC | 429 | 1.3% | — |
| 19 | Citibank, National Association 60 out of 100, Moderate | 429 | 1.3% | 24.0% |
| 20 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 361 | 1.1% | 22.2% |
| 21 | Luminate Bank 47 out of 100, Below average | 355 | 1.1% | 4.3% |
| 22 | FIGURE LENDING LLC | 352 | 1.1% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 342 | 1.1% | — |
| 24 | U.S. Bank National Association 55 out of 100, Moderate | 329 | 1.0% | 39.5% |
| 25 | Discover Bank | 328 | 1.0% | — |
| 26 | CMG MORTGAGE, INC. | 317 | 1.0% | — |
| 27 | FREEDOM MORTGAGE CORPORATION | 298 | 0.9% | — |
| 28 | SOFI BANK, NATIONAL ASSOCIATION | 296 | 0.9% | — |
| 29 | Columbia Bank 58 out of 100, Moderate | 293 | 0.9% | 23.9% |
| 30 | Broker Solutions, Inc. | 287 | 0.9% | — |
| 31 | BETTER MORTGAGE CORPORATION | 245 | 0.8% | — |
| 32 | LAKEVIEW LOAN SERVICING, LLC | 235 | 0.7% | — |
| 33 | Paramount Residential Mortgage Group, Inc. | 220 | 0.7% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 215 | 0.7% | 32.9% |
| 35 | Fairway Independent Mortgage Corporation | 204 | 0.6% | — |
| 36 | NJ LENDERS CORP. | 198 | 0.6% | — |
| 37 | PHH Mortgage Corporation | 196 | 0.6% | — |
| 38 | MOVEMENT MORTGAGE, LLC | 194 | 0.6% | — |
| 39 | AmeriSave Mortgage Corporation | 186 | 0.6% | — |
| 40 | Provident Bank 63 out of 100, Moderate | 186 | 0.6% | 31.2% |
Top 40 of 497 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in New Jersey
- Ocean County 34,338 apps
- Monmouth County 30,559 apps
- Middlesex County 29,732 apps
- Essex County 26,337 apps
- Camden County 24,224 apps
- Burlington County 23,660 apps
- Morris County 20,702 apps
- Union County 18,761 apps
- Gloucester County 16,106 apps
- Hudson County 15,876 apps
- Passaic County 15,595 apps
- Mercer County 14,707 apps