New Jersey · HMDA 2025
Mortgage lenders in Somerset County, NJ
420 lenders reported 13,346 home-loan applications in Somerset County in 2025. 6,703 closed as loans ($3.0B), 1,793 were denied — a 20.2% denial rate on decided applications, below the New Jersey rate of 22.9%. The three most active lenders handled 16% of applications, led by Bank of America, National Association. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 13,346
- Loans originated
- 6,703
- Purchase / refinance
- 3,106 / 2,195
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Somerset County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Bank of America, National Association 59 out of 100, Moderate | 770 | 5.8% | 44.7% |
| 2 | Rocket Mortgage, LLC | 715 | 5.4% | — |
| 3 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 597 | 4.5% | 14.1% |
| 4 | PNC Bank, National Association 62 out of 100, Moderate | 551 | 4.1% | 33.8% |
| 5 | TD Bank, National Association 63 out of 100, Moderate | 518 | 3.9% | 35.3% |
| 6 | PENNYMAC LOAN SERVICES, LLC | 482 | 3.6% | — |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 424 | 3.2% | — |
| 8 | AFFINITY | 409 | 3.1% | — |
| 9 | Citizens Bank, National Association 54 out of 100, Below average | 388 | 2.9% | 32.5% |
| 10 | NEWREZ LLC | 376 | 2.8% | — |
| 11 | GUARANTEED RATE, INC. | 325 | 2.4% | — |
| 12 | CROSSCOUNTRY MORTGAGE, INC. | 323 | 2.4% | — |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 227 | 1.7% | — |
| 14 | NATIONSTAR MORTGAGE LLC | 192 | 1.4% | — |
| 15 | Loandepot.Com, LLC | 189 | 1.4% | — |
| 16 | EMBRACE HOME LOANS, INC. | 179 | 1.3% | — |
| 17 | Coastal Community Bank 35 out of 100, Low | 170 | 1.3% | 3.0% |
| 18 | SPRING EQ, LLC | 167 | 1.3% | — |
| 19 | U.S. Bank National Association 55 out of 100, Moderate | 160 | 1.2% | 39.5% |
| 20 | FREEDOM MORTGAGE CORPORATION | 158 | 1.2% | — |
| 21 | GUARANTEED RATE AFFINITY, LLC | 149 | 1.1% | — |
| 22 | FIGURE LENDING LLC | 141 | 1.1% | — |
| 23 | Broker Solutions, Inc. | 135 | 1.0% | — |
| 24 | MOVEMENT MORTGAGE, LLC | 128 | 1.0% | — |
| 25 | Provident Bank 63 out of 100, Moderate | 125 | 0.9% | 31.2% |
| 26 | Valley National Bank 60 out of 100, Moderate | 122 | 0.9% | 21.0% |
| 27 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 118 | 0.9% | 22.2% |
| 28 | SOFI BANK, NATIONAL ASSOCIATION | 117 | 0.9% | — |
| 29 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 117 | 0.9% | 32.9% |
| 30 | LAKEVIEW LOAN SERVICING, LLC | 115 | 0.9% | — |
| 31 | Discover Bank | 113 | 0.8% | — |
| 32 | Citibank, National Association 60 out of 100, Moderate | 104 | 0.8% | 24.0% |
| 33 | CMG MORTGAGE, INC. | 102 | 0.8% | — |
| 34 | Navy Federal Credit Union 66 out of 100, Moderate | 102 | 0.8% | 32.9% |
| 35 | AmeriSave Mortgage Corporation | 102 | 0.8% | — |
| 36 | BETTER MORTGAGE CORPORATION | 101 | 0.8% | — |
| 37 | K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 96 | 0.7% | — |
| 38 | Paramount Residential Mortgage Group, Inc. | 94 | 0.7% | — |
| 39 | Third Federal Savings and Loan Association of Cleveland 64 out of 100, Moderate | 86 | 0.6% | 35.5% |
| 40 | AMERICAN FEDERAL MORTGAGE CORPORATION | 86 | 0.6% | — |
Top 40 of 420 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
- 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