Mortgage lending in Cape May County, New Jersey
Lenders in Cape May County, New Jersey reported 6,715 mortgage applications for 2025, according to the CFPB.
6,715 mortgage applications and 4,127 loans originated in 2025; the denial rate was 19.5% of 5,366 applications decided. The median loan was about $375,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Cape May County, NJ HUD Metro FMR Area.
- 6,715
- Applications
- 4,127
- Loans originated
- 19.5%
- Denial rate
- 1,046 denied of 5,366 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 6,715 | 4,127 |
| 2024 | 5,913 | 3,577 |
| 2023 | 5,831 | 3,564 |
| 2022 | 8,588 | 5,398 |
| 2021 | 15,976 | 10,625 |
| 2020 | 15,581 | 10,408 |
| 2019 | 9,630 | 6,406 |
| 2018 | 8,522 | 5,454 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 242 | 319 |
| Citizens Bank, NA | 241 | 409 |
| TD Bank | 165 | 264 |
| loanDepot.com LLC | 146 | 205 |
| Oceanfirst Bank | 131 | 183 |
| Sturdy Savings Bank | 120 | 146 |
| Police and Fire Federal Credit Union | 116 | 222 |
| US Bank, N.A. | 116 | 156 |
| Guaranteed Rate, Inc. | 110 | 179 |
| Crosscountry Mortgage, LLC | 108 | 164 |
| PNC Bank N.A. | 102 | 198 |
| Prosperity Home Mortgage, LLC | 99 | 141 |
| Philadelphia Federal Credit UN | 97 | 118 |
| Bank of America NA | 85 | 203 |
| CMG Mortgage Inc | 77 | 102 |
| WSFS bank | 70 | 89 |
| Crest Savings Bank | 68 | 91 |
| Wells Fargo Bank NA | 68 | 92 |
| Pennymac Loan Services LLC | 64 | 116 |
| United Wholesale Mortgage | 49 | 88 |
| 1st bank of sea isle city | 45 | 53 |
| NVR Mortgage Finance, Inc. | 44 | 58 |
| Valley National Bank | 40 | 42 |
| M&T Bank | 39 | 57 |
| TruMark Financial Credit Union | 38 | 62 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 17 | no rate: base under 50 |
| Asian | 72 | 20.0% of 50 decided |
| Black or African American | 89 | 43.3% of 67 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 5,359 | 19.5% of 4,348 decided |
| 2 or more minority races | under 10 | |
| Joint | 73 | 9.1% of 55 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,094 | 17.6% of 828 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 149 | 32.5% of 114 decided |
| Not Hispanic or Latino | 5,287 | 19.5% of 4,276 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,189 | 17.4% of 903 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 1,990 | 23.8% of 1,579 decided |
| Female | 1,153 | 26.0% of 931 decided |
| Joint | 2,884 | 14.3% of 2,340 decided |
| Sex Not Available | 688 | 18.2% of 516 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. 114 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