Mortgage approvals in Essex County, NJ
Real approval and denial rates for home-purchase mortgages in Essex County, built from 55,879 federally reported lender decisions, 2018–2025.
Share of 55,879 home-purchase applications that lenders approved vs. denied · 2025: 88.2% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.
Approval rate over time
By loan type
FHA and USDA loans serve lower-down-payment and rural buyers; approval patterns differ by program.
Lenders in Essex County
Ranked by volume. Approval rate = originated or approved ÷ (those + denied), home purchases 2018–2025.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Guaranteed Rate, Inc. Chicago, IL | 94.7% | 3,007 | 158 | +0.15 pp |
| Nj Lenders Corp Little Falls, NJ | 96.3% | 2,261 | 84 | +0.11 pp |
| Wells Fargo Bank Na Minneapolis, MN | 84.5% | 2,245 | 348 | -0.19 pp |
| United Wholesale Mortgage Pontiac, MI | 83.7% | 2,116 | 345 | +0.35 pp |
| Jpmorgan Chase Bank, Na Columbus, OH | 89.7% | 2,053 | 212 | -0.04 pp |
| Rocket Mortgage Detroit, MI | 77.6% | 1,960 | 440 | +0.35 pp |
| Bank Of America Na Westlake Village, CA | 86.3% | 1,930 | 264 | -0.33 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 93.0% | 1,783 | 124 | +0.62 pp |
| Loandepot.com Llc Irvine, CA | 89.5% | 1,574 | 166 | +0.38 pp |
| Paramount Residential Mortgage Corona, CA | 88.9% | 1,122 | 125 | +0.87 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 86.1% | 908 | 126 | +0.57 pp |
| Citibank, Na New York, NY | 92.5% | 822 | 62 | -0.55 pp |
Why applications were denied
Primary reason lenders recorded on denied applications. One denial can cite several.
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Best lenders for specific buyers in Essex County
Source: CFPB HMDA loan-level snapshot data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in Essex County, NJ. Full methodology →