Mortgage lending in Bergen County, New Jersey
Lenders in Bergen County, New Jersey reported 28,701 mortgage applications for 2025, according to the CFPB.
28,701 mortgage applications and 15,516 loans originated in 2025; the denial rate was 23.9% of 21,668 applications decided. The median loan was about $435,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Bergen-Passaic, NJ HUD Metro FMR Area.
- 28,701
- Applications
- 15,516
- Loans originated
- 23.9%
- Denial rate
- 5,180 denied of 21,668 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 28,701 | 15,516 |
| 2024 | 25,769 | 13,452 |
| 2023 | 22,529 | 11,608 |
| 2022 | 33,429 | 18,536 |
| 2021 | 62,225 | 38,685 |
| 2020 | 60,963 | 37,350 |
| 2019 | 38,980 | 22,510 |
| 2018 | 34,092 | 18,812 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 979 | 1,314 |
| TD Bank | 854 | 1,574 |
| Bank of America NA | 730 | 1,550 |
| Citizens Bank, NA | 728 | 1,244 |
| Crosscountry Mortgage, LLC | 660 | 1,052 |
| United Wholesale Mortgage | 619 | 920 |
| JPMorgan Chase Bank, NA | 515 | 850 |
| PNC Bank N.A. | 406 | 753 |
| Guaranteed Rate, Inc. | 395 | 808 |
| loanDepot.com LLC | 382 | 586 |
| Visions Federal Credit Union | 331 | 621 |
| Valley National Bank | 305 | 462 |
| M&T Bank | 282 | 526 |
| Pennymac Loan Services LLC | 225 | 463 |
| Luminate Bank | 219 | 355 |
| Wells Fargo Bank NA | 197 | 353 |
| Newrez LLC | 196 | 606 |
| Columbia Bank | 169 | 293 |
| CMG Mortgage Inc | 163 | 279 |
| Citibank, NA | 162 | 316 |
| NJ Lenders Corp | 156 | 198 |
| US Bank, N.A. | 154 | 285 |
| Bond Street Mortgage, LLC | 138 | 174 |
| Movement Mortgage, LLC | 130 | 194 |
| Nationstar Mortgage | 121 | 185 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 117 | 42.7% of 89 decided |
| Asian | 5,223 | 22.1% of 3,877 decided |
| Black or African American | 1,138 | 33.8% of 878 decided |
| Native Hawaiian or Other Pacific Islander | 45 | no rate: base under 50 |
| White | 15,193 | 22.3% of 11,831 decided |
| 2 or more minority races | 57 | no rate: base under 50 |
| Joint | 571 | 19.9% of 433 decided |
| Free Form Text Only | 17 | no rate: base under 50 |
| Race Not Available | 6,340 | 27.3% of 4,469 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 4,243 | 31.2% of 3,223 decided |
| Not Hispanic or Latino | 18,363 | 21.7% of 14,113 decided |
| Joint | 767 | 19.3% of 606 decided |
| Ethnicity Not Available | 5,311 | 26.7% of 3,713 decided |
| Free Form Text Only | 17 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 10,288 | 26.8% of 7,715 decided |
| Female | 5,299 | 28.3% of 4,078 decided |
| Joint | 10,236 | 18.1% of 7,949 decided |
| Sex Not Available | 2,878 | 27.0% of 1,926 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 60 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved