Mortgage lending in Monmouth County, New Jersey
Lenders in Monmouth County, New Jersey reported 26,420 mortgage applications for 2025, according to the CFPB.
26,420 mortgage applications and 15,464 loans originated in 2025; the denial rate was 21.0% of 20,676 applications decided. The median loan was about $385,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Monmouth-Ocean, NJ HUD Metro FMR Area.
- 26,420
- Applications
- 15,464
- Loans originated
- 21.0%
- Denial rate
- 4,345 denied of 20,676 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 26,420 | 15,464 |
| 2024 | 23,506 | 13,216 |
| 2023 | 21,187 | 11,533 |
| 2022 | 30,208 | 17,603 |
| 2021 | 53,699 | 34,938 |
| 2020 | 54,138 | 34,902 |
| 2019 | 34,764 | 20,776 |
| 2018 | 30,376 | 17,542 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 1,016 | 1,342 |
| Crosscountry Mortgage, LLC | 780 | 1,190 |
| Citizens Bank, NA | 770 | 1,245 |
| TD Bank | 610 | 1,086 |
| Bank of America NA | 605 | 1,248 |
| United Wholesale Mortgage | 531 | 760 |
| Advisors Mortgage Group, LLC | 518 | 655 |
| PNC Bank N.A. | 497 | 887 |
| loanDepot.com LLC | 406 | 605 |
| Manasquan Bank | 352 | 447 |
| JPMorgan Chase Bank, NA | 349 | 567 |
| Guaranteed Rate, Inc. | 334 | 548 |
| Pennymac Loan Services LLC | 291 | 530 |
| Oceanfirst Bank | 226 | 302 |
| CMG Mortgage Inc | 179 | 330 |
| Wells Fargo Bank NA | 173 | 288 |
| US Bank, N.A. | 162 | 291 |
| American Neighborhood Mortgage Acceptance Company | 161 | 225 |
| Newrez LLC | 159 | 548 |
| Nationstar Mortgage | 145 | 196 |
| Valley National Bank | 141 | 208 |
| Toll Brothers Mortgage Company | 139 | 198 |
| Spring Eq, LLC | 133 | 395 |
| The Federal Savings Bank | 132 | 226 |
| Affinity Federal Credit Union | 129 | 199 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 64 | no rate: base under 50 |
| Asian | 1,613 | 17.4% of 1,213 decided |
| Black or African American | 729 | 36.4% of 538 decided |
| Native Hawaiian or Other Pacific Islander | withheld | |
| White | 18,500 | 19.8% of 14,827 decided |
| 2 or more minority races | 39 | no rate: base under 50 |
| Joint | 390 | 18.5% of 302 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 5,055 | 24.6% of 3,696 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,424 | 28.7% of 1,050 decided |
| Not Hispanic or Latino | 19,365 | 19.8% of 15,461 decided |
| Joint | 667 | 21.0% of 524 decided |
| Ethnicity Not Available | 4,947 | 24.0% of 3,628 decided |
| Free Form Text Only | 17 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 9,414 | 23.3% of 7,349 decided |
| Female | 4,705 | 23.4% of 3,690 decided |
| Joint | 9,769 | 16.6% of 7,862 decided |
| Sex Not Available | 2,532 | 26.1% of 1,775 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. 102 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