New Jersey
New Jersey mortgage approvals, county by county
Every home-purchase mortgage application New Jersey lenders reported to the federal government, 2018–2025 — 829,794 decisions, decoded into real approval and denial rates.
Statewide approval
90.2%
748,632 approved
Statewide denial
9.8%
81,162 denied
Home-purchase decisions
829,794
2018–2025
Counties covered
21
all of New Jersey
Approval rate over time
Denial rates by county
Home-purchase mortgages, 2018–2025. Counties with the highest denial rates first.
| County | Approval | Denial | Decisions |
|---|---|---|---|
| Cumberland County | 86.3% | 13.7% | 11,536 |
| Essex County | 86.9% | 13.1% | 55,879 |
| Salem County | 87.6% | 12.4% | 6,587 |
| Hudson County | 88.1% | 11.9% | 41,282 |
| Warren County | 88.9% | 11.1% | 12,216 |
| Middlesex County | 89.0% | 11.0% | 69,622 |
| Passaic County | 89.0% | 11.0% | 33,840 |
| Atlantic County | 89.3% | 10.7% | 31,076 |
| Union County | 89.3% | 10.7% | 44,152 |
| Sussex County | 89.9% | 10.1% | 19,934 |
| Mercer County | 90.0% | 10.0% | 30,158 |
| Bergen County | 90.6% | 9.4% | 73,460 |
| Monmouth County | 91.0% | 9.0% | 66,332 |
| Camden County | 91.1% | 8.9% | 49,613 |
| Ocean County | 91.1% | 8.9% | 79,937 |
| Burlington County | 91.4% | 8.6% | 51,697 |
| Gloucester County | 91.9% | 8.1% | 33,807 |
| Somerset County | 92.1% | 7.9% | 33,262 |
| Cape May County | 92.3% | 7.7% | 22,502 |
| Hunterdon County | 92.3% | 7.7% | 14,126 |
| Morris County | 92.9% | 7.1% | 47,993 |
Explore a county
AtlanticBergenBurlingtonCamdenCape MayCumberlandEssexGloucesterHudsonHunterdonMercerMiddlesexMonmouthMorrisOceanPassaicSalemSomersetSussexUnionWarren
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Open the approval tool →Source: CFPB HMDA snapshot data, 2018–2025. Methodology →