Mortgage lending in Passaic County, New Jersey
Lenders in Passaic County, New Jersey reported 13,483 mortgage applications for 2025, according to the CFPB.
13,483 mortgage applications and 6,998 loans originated in 2025; the denial rate was 26.6% of 10,220 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: Bergen-Passaic, NJ HUD Metro FMR Area.
- 13,483
- Applications
- 6,998
- Loans originated
- 26.6%
- Denial rate
- 2,717 denied of 10,220 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 13,483 | 6,998 |
| 2024 | 12,371 | 6,136 |
| 2023 | 11,063 | 5,402 |
| 2022 | 15,536 | 8,067 |
| 2021 | 26,293 | 15,748 |
| 2020 | 24,334 | 14,275 |
| 2019 | 17,040 | 9,293 |
| 2018 | 14,670 | 7,665 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 392 | 568 |
| United Wholesale Mortgage | 344 | 546 |
| Crosscountry Mortgage, LLC | 332 | 536 |
| TD Bank | 236 | 535 |
| Guaranteed Rate, Inc. | 229 | 434 |
| PNC Bank N.A. | 202 | 526 |
| Citizens Bank, NA | 199 | 363 |
| Valley National Bank | 192 | 305 |
| loanDepot.com LLC | 161 | 249 |
| Movement Mortgage, LLC | 139 | 231 |
| Bank of America NA | 139 | 393 |
| Paramount Residential Mortgage | 138 | 205 |
| JPMorgan Chase Bank, NA | 132 | 220 |
| CMG Mortgage Inc | 130 | 231 |
| Pennymac Loan Services LLC | 122 | 267 |
| Luminate Bank | 117 | 162 |
| Champions Funding, LLC | 115 | 153 |
| Columbia Bank | 110 | 221 |
| Absolute Home Mortgage | 107 | 142 |
| Visions Federal Credit Union | 92 | 192 |
| Newrez LLC | 81 | 303 |
| HomeBridge Financial Services, Inc | 80 | 111 |
| NJ Lenders Corp | 79 | 100 |
| Spring Eq, LLC | 78 | 239 |
| American Neighborhood Mortgage Acceptance Company | 72 | 117 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 106 | 45.8% of 83 decided |
| Asian | 1,063 | 25.4% of 786 decided |
| Black or African American | 808 | 37.0% of 617 decided |
| Native Hawaiian or Other Pacific Islander | 45 | no rate: base under 50 |
| White | 7,703 | 24.2% of 5,986 decided |
| 2 or more minority races | 42 | no rate: base under 50 |
| Joint | 229 | 20.1% of 174 decided |
| Free Form Text Only | 14 | no rate: base under 50 |
| Race Not Available | 3,473 | 29.3% of 2,494 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 3,876 | 31.4% of 2,907 decided |
| Not Hispanic or Latino | 6,695 | 23.7% of 5,169 decided |
| Joint | 396 | 19.4% of 320 decided |
| Ethnicity Not Available | 2,505 | 28.4% of 1,816 decided |
| Free Form Text Only | 11 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,261 | 30.1% of 4,001 decided |
| Female | 2,564 | 28.2% of 1,963 decided |
| Joint | 4,172 | 20.4% of 3,226 decided |
| Sex Not Available | 1,486 | 29.2% of 1,030 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. 103 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