New Jersey · HMDA 2025
Mortgage lenders in Essex County, NJ
489 lenders reported 26,337 home-loan applications in Essex County in 2025. 11,652 closed as loans ($7.0B), 4,413 were denied — a 26.1% denial rate on decided applications, above the New Jersey rate of 22.9%. The three most active lenders handled 13% of applications, led by JPMorgan Chase Bank, National Association. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 26,337
- Loans originated
- 11,652
- Purchase / refinance
- 5,314 / 4,153
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Essex County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 1,187 | 4.5% | 14.1% |
| 2 | Bank of America, National Association 59 out of 100, Moderate | 1,107 | 4.2% | 44.7% |
| 3 | Citizens Bank, National Association 54 out of 100, Below average | 1,051 | 4.0% | 32.5% |
| 4 | CROSSCOUNTRY MORTGAGE, INC. | 926 | 3.5% | — |
| 5 | PNC Bank, National Association 62 out of 100, Moderate | 924 | 3.5% | 33.8% |
| 6 | UNITED SHORE FINANCIAL SERVICES, LLC | 905 | 3.4% | — |
| 7 | GUARANTEED RATE, INC. | 900 | 3.4% | — |
| 8 | Rocket Mortgage, LLC | 894 | 3.4% | — |
| 9 | TD Bank, National Association 63 out of 100, Moderate | 876 | 3.3% | 35.3% |
| 10 | PENNYMAC LOAN SERVICES, LLC | 823 | 3.1% | — |
| 11 | NEWREZ LLC | 679 | 2.6% | — |
| 12 | Loandepot.Com, LLC | 431 | 1.6% | — |
| 13 | FREEDOM MORTGAGE CORPORATION | 415 | 1.6% | — |
| 14 | Citibank, National Association 60 out of 100, Moderate | 384 | 1.5% | 24.0% |
| 15 | SPRING EQ, LLC | 354 | 1.3% | — |
| 16 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 337 | 1.3% | 32.9% |
| 17 | Broker Solutions, Inc. | 326 | 1.2% | — |
| 18 | Valley National Bank 60 out of 100, Moderate | 321 | 1.2% | 21.0% |
| 19 | Loan Funder LLC | 310 | 1.2% | — |
| 20 | Paramount Residential Mortgage Group, Inc. | 305 | 1.2% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 280 | 1.1% | — |
| 22 | MOVEMENT MORTGAGE, LLC | 262 | 1.0% | — |
| 23 | U.S. Bank National Association 55 out of 100, Moderate | 262 | 1.0% | 39.5% |
| 24 | CMG MORTGAGE, INC. | 256 | 1.0% | — |
| 25 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 253 | 1.0% | 22.2% |
| 26 | Navy Federal Credit Union 66 out of 100, Moderate | 248 | 0.9% | 32.9% |
| 27 | FIGURE LENDING LLC | 243 | 0.9% | — |
| 28 | Coastal Community Bank 35 out of 100, Low | 240 | 0.9% | 3.0% |
| 29 | Provident Bank 63 out of 100, Moderate | 239 | 0.9% | 31.2% |
| 30 | AMERIHOME MORTGAGE COMPANY, LLC | 226 | 0.9% | — |
| 31 | Luminate Bank 47 out of 100, Below average | 217 | 0.8% | 4.3% |
| 32 | LAKEVIEW LOAN SERVICING, LLC | 216 | 0.8% | — |
| 33 | CHAMPIONS FUNDING, LLC | 215 | 0.8% | — |
| 34 | SOFI BANK, NATIONAL ASSOCIATION | 210 | 0.8% | — |
| 35 | LENDINGONE, LLC | 190 | 0.7% | — |
| 36 | Discover Bank | 183 | 0.7% | — |
| 37 | AmeriSave Mortgage Corporation | 179 | 0.7% | — |
| 38 | HOMEBRIDGE FINANCIAL SERVICES, INC. | 163 | 0.6% | — |
| 39 | NJ LENDERS CORP. | 151 | 0.6% | — |
| 40 | BETTER MORTGAGE CORPORATION | 150 | 0.6% | — |
Top 40 of 489 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
- Bergen County 32,268 apps
- Monmouth County 30,559 apps
- Middlesex County 29,732 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