Mortgage lending in Middlesex County, New Jersey
Lenders in Middlesex County, New Jersey reported 26,117 mortgage applications for 2025, according to the CFPB.
26,117 mortgage applications and 14,154 loans originated in 2025; the denial rate was 24.1% of 19,892 applications decided. The median loan was about $355,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Middlesex-Somerset-Hunterdon, NJ HUD Metro FMR Area.
- 26,117
- Applications
- 14,154
- Loans originated
- 24.1%
- Denial rate
- 4,786 denied of 19,892 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 26,117 | 14,154 |
| 2024 | 23,457 | 12,135 |
| 2023 | 21,290 | 10,876 |
| 2022 | 29,919 | 15,962 |
| 2021 | 55,960 | 34,336 |
| 2020 | 54,635 | 33,531 |
| 2019 | 33,412 | 18,967 |
| 2018 | 28,479 | 15,618 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 1,281 | 1,740 |
| United Wholesale Mortgage | 1,057 | 1,458 |
| Citizens Bank, NA | 652 | 1,085 |
| Crosscountry Mortgage, LLC | 516 | 888 |
| PNC Bank N.A. | 509 | 999 |
| Bank of America NA | 461 | 1,166 |
| TD Bank | 422 | 869 |
| Oceanfirst Bank | 400 | 461 |
| loanDepot.com LLC | 311 | 477 |
| Pennymac Loan Services LLC | 266 | 545 |
| JPMorgan Chase Bank, NA | 250 | 484 |
| Affinity Federal Credit Union | 223 | 420 |
| Paramount Residential Mortgage | 169 | 243 |
| CMG Mortgage Inc | 165 | 295 |
| Newrez LLC | 155 | 591 |
| Nationstar Mortgage | 154 | 229 |
| Provident Bank | 150 | 297 |
| Amboy Bank | 149 | 196 |
| Movement Mortgage, LLC | 148 | 201 |
| Guaranteed Rate, Inc. | 137 | 309 |
| Absolute Home Mortgage | 131 | 177 |
| Advisors Mortgage Group, LLC | 129 | 167 |
| American Neighborhood Mortgage Acceptance Company | 124 | 197 |
| Wells Fargo Bank NA | 110 | 239 |
| M&T Bank | 110 | 214 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 93 | 50.0% of 68 decided |
| Asian | 8,014 | 22.5% of 5,997 decided |
| Black or African American | 1,798 | 33.6% of 1,368 decided |
| Native Hawaiian or Other Pacific Islander | 62 | no rate: base under 50 |
| White | 10,160 | 21.4% of 8,093 decided |
| 2 or more minority races | 99 | 29.3% of 75 decided |
| Joint | 397 | 18.1% of 309 decided |
| Free Form Text Only | 20 | no rate: base under 50 |
| Race Not Available | 5,474 | 28.0% of 3,917 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 3,686 | 29.4% of 2,862 decided |
| Not Hispanic or Latino | 17,146 | 22.3% of 13,262 decided |
| Joint | 633 | 18.0% of 488 decided |
| Ethnicity Not Available | 4,626 | 27.3% of 3,260 decided |
| Free Form Text Only | 26 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 10,366 | 26.5% of 7,806 decided |
| Female | 4,980 | 27.1% of 3,838 decided |
| Joint | 8,457 | 18.4% of 6,681 decided |
| Sex Not Available | 2,314 | 29.0% of 1,567 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. 141 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