New Jersey · HMDA 2025
Mortgage lenders in Union County, NJ
453 lenders reported 18,761 home-loan applications in Union County in 2025. 8,656 closed as loans ($4.3B), 3,060 were denied — a 24.8% denial rate on decided applications, above the New Jersey rate of 22.9%. The three most active lenders handled 14% of applications, led by Bank of America, National Association. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 18,761
- Loans originated
- 8,656
- Purchase / refinance
- 3,878 / 2,949
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Union County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Bank of America, National Association 59 out of 100, Moderate | 929 | 5.0% | 44.7% |
| 2 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 858 | 4.6% | 14.1% |
| 3 | Citizens Bank, National Association 54 out of 100, Below average | 788 | 4.2% | 32.5% |
| 4 | Rocket Mortgage, LLC | 735 | 3.9% | — |
| 5 | TD Bank, National Association 63 out of 100, Moderate | 665 | 3.5% | 35.3% |
| 6 | PNC Bank, National Association 62 out of 100, Moderate | 623 | 3.3% | 33.8% |
| 7 | PENNYMAC LOAN SERVICES, LLC | 622 | 3.3% | — |
| 8 | UNITED SHORE FINANCIAL SERVICES, LLC | 615 | 3.3% | — |
| 9 | GUARANTEED RATE, INC. | 556 | 3.0% | — |
| 10 | CROSSCOUNTRY MORTGAGE, INC. | 547 | 2.9% | — |
| 11 | NEWREZ LLC | 523 | 2.8% | — |
| 12 | FREEDOM MORTGAGE CORPORATION | 325 | 1.7% | — |
| 13 | Loandepot.Com, LLC | 288 | 1.5% | — |
| 14 | SPRING EQ, LLC | 288 | 1.5% | — |
| 15 | GUARANTEED RATE AFFINITY, LLC | 249 | 1.3% | — |
| 16 | AFFINITY | 236 | 1.3% | — |
| 17 | Paramount Residential Mortgage Group, Inc. | 230 | 1.2% | — |
| 18 | CMG MORTGAGE, INC. | 229 | 1.2% | — |
| 19 | Broker Solutions, Inc. | 225 | 1.2% | — |
| 20 | NATIONSTAR MORTGAGE LLC | 220 | 1.2% | — |
| 21 | Wells Fargo Bank, National Association 58 out of 100, Moderate | 219 | 1.2% | 22.2% |
| 22 | AMERIHOME MORTGAGE COMPANY, LLC | 218 | 1.2% | — |
| 23 | Coastal Community Bank 35 out of 100, Low | 202 | 1.1% | 3.0% |
| 24 | Manufacturers and Traders Trust Company 57 out of 100, Moderate | 190 | 1.0% | 32.9% |
| 25 | Navy Federal Credit Union 66 out of 100, Moderate | 183 | 1.0% | 32.9% |
| 26 | FIGURE LENDING LLC | 170 | 0.9% | — |
| 27 | Provident Bank 63 out of 100, Moderate | 169 | 0.9% | 31.2% |
| 28 | Valley National Bank 60 out of 100, Moderate | 165 | 0.9% | 21.0% |
| 29 | Discover Bank | 163 | 0.9% | — |
| 30 | SOFI BANK, NATIONAL ASSOCIATION | 157 | 0.8% | — |
| 31 | Citibank, National Association 60 out of 100, Moderate | 157 | 0.8% | 24.0% |
| 32 | MOVEMENT MORTGAGE, LLC | 151 | 0.8% | — |
| 33 | LAKEVIEW LOAN SERVICING, LLC | 151 | 0.8% | — |
| 34 | AmeriSave Mortgage Corporation | 145 | 0.8% | — |
| 35 | U.S. Bank National Association 55 out of 100, Moderate | 144 | 0.8% | 39.5% |
| 36 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 143 | 0.8% | — |
| 37 | CHAMPIONS FUNDING, LLC | 132 | 0.7% | — |
| 38 | THE LOAN STORE, INC. | 128 | 0.7% | — |
| 39 | Loan Funder LLC | 127 | 0.7% | — |
| 40 | Columbia Bank 58 out of 100, Moderate | 118 | 0.6% | 23.9% |
Top 40 of 453 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
- Gloucester County 16,106 apps
- Hudson County 15,876 apps
- Passaic County 15,595 apps
- Mercer County 14,707 apps