Mortgage lending in Mercer County, New Jersey
Lenders in Mercer County, New Jersey reported 12,902 mortgage applications for 2025, according to the CFPB.
12,902 mortgage applications and 7,367 loans originated in 2025; the denial rate was 21.4% of 9,921 applications decided. The median loan was about $275,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Trenton-Princeton, NJ MSA.
- 12,902
- Applications
- 7,367
- Loans originated
- 21.4%
- Denial rate
- 2,120 denied of 9,921 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 12,902 | 7,367 |
| 2024 | 11,391 | 6,377 |
| 2023 | 9,599 | 5,263 |
| 2022 | 12,942 | 7,356 |
| 2021 | 22,643 | 14,241 |
| 2020 | 20,229 | 12,463 |
| 2019 | 13,371 | 7,674 |
| 2018 | 11,631 | 6,548 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 577 | 801 |
| Citizens Bank, NA | 389 | 634 |
| United Wholesale Mortgage | 319 | 460 |
| PNC Bank N.A. | 319 | 595 |
| Bank of America NA | 220 | 495 |
| Lennar Mortgage, LLC | 194 | 248 |
| TD Bank | 191 | 371 |
| Crosscountry Mortgage, LLC | 189 | 294 |
| Loan Funder LLC | 165 | 242 |
| JPMorgan Chase Bank, NA | 146 | 242 |
| MLD Mortgage, Inc.dba the Money Store | 145 | 207 |
| Champions Funding, LLC | 126 | 172 |
| Kiavi Funding, Inc. | 117 | 165 |
| loanDepot.com LLC | 116 | 173 |
| CMG Mortgage Inc | 96 | 166 |
| Credit Union of New Jersey | 96 | 236 |
| Fairway Independent Mort Corp | 90 | 112 |
| US Bank, N.A. | 90 | 132 |
| Pennymac Loan Services LLC | 85 | 196 |
| Oceanfirst Bank | 82 | 109 |
| Guaranteed Rate, Inc. | 76 | 166 |
| Wells Fargo Bank NA | 73 | 134 |
| Pulte Mortgage LLC | 67 | 97 |
| Nationstar Mortgage | 64 | 92 |
| K. Hovnanian American Mortgage | 62 | 79 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 63 | no rate: base under 50 |
| Asian | 2,498 | 17.5% of 1,888 decided |
| Black or African American | 1,497 | 32.3% of 1,110 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 5,367 | 18.7% of 4,345 decided |
| 2 or more minority races | 33 | no rate: base under 50 |
| Joint | 217 | 15.4% of 162 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 3,199 | 24.1% of 2,328 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,567 | 27.2% of 1,213 decided |
| Not Hispanic or Latino | 8,288 | 19.9% of 6,478 decided |
| Joint | withheld | |
| Ethnicity Not Available | 2,807 | 23.0% of 2,033 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 4,631 | 23.6% of 3,543 decided |
| Female | 2,662 | 26.6% of 2,076 decided |
| Joint | 3,892 | 16.0% of 3,089 decided |
| Sex Not Available | 1,717 | 19.5% of 1,213 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. 423 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