Mortgage lending in Union County, New Jersey
Lenders in Union County, New Jersey reported 16,318 mortgage applications for 2025, according to the CFPB.
16,318 mortgage applications and 8,656 loans originated in 2025; the denial rate was 24.8% of 12,329 applications decided. The median loan was about $415,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Newark, NJ HUD Metro FMR Area.
- 16,318
- Applications
- 8,656
- Loans originated
- 24.8%
- Denial rate
- 3,060 denied of 12,329 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 16,318 | 8,656 |
| 2024 | 14,903 | 7,692 |
| 2023 | 14,384 | 7,262 |
| 2022 | 20,278 | 10,546 |
| 2021 | 34,374 | 20,612 |
| 2020 | 32,819 | 19,760 |
| 2019 | 21,977 | 12,201 |
| 2018 | 18,684 | 10,008 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Rocket Mortgage | 527 | 719 |
| Citizens Bank, NA | 453 | 769 |
| United Wholesale Mortgage | 406 | 611 |
| Bank of America NA | 375 | 822 |
| Crosscountry Mortgage, LLC | 316 | 547 |
| TD Bank | 302 | 571 |
| PNC Bank N.A. | 242 | 443 |
| Guaranteed Rate, Inc. | 236 | 453 |
| JPMorgan Chase Bank, NA | 217 | 359 |
| loanDepot.com LLC | 192 | 288 |
| Pennymac Loan Services LLC | 169 | 347 |
| Guaranteed Rate Affinity, LLC | 166 | 249 |
| Paramount Residential Mortgage | 144 | 219 |
| Affinity Federal Credit Union | 126 | 236 |
| CMG Mortgage Inc | 123 | 209 |
| Valley National Bank | 104 | 165 |
| Provident Bank | 102 | 169 |
| Wells Fargo Bank NA | 101 | 188 |
| Movement Mortgage, LLC | 97 | 151 |
| Newrez LLC | 97 | 397 |
| M&T Bank | 89 | 182 |
| Champions Funding, LLC | 86 | 132 |
| American Neighborhood Mortgage Acceptance Company | 83 | 143 |
| Freedom Mortgage Corporation | 81 | 246 |
| Spring Eq, LLC | 80 | 287 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 89 | 39.4% of 71 decided |
| Asian | 1,209 | 18.7% of 838 decided |
| Black or African American | 2,346 | 34.3% of 1,748 decided |
| Native Hawaiian or Other Pacific Islander | 43 | no rate: base under 50 |
| White | 7,983 | 20.9% of 6,275 decided |
| 2 or more minority races | 46 | no rate: base under 50 |
| Joint | 295 | 16.9% of 237 decided |
| Free Form Text Only | 18 | no rate: base under 50 |
| Race Not Available | 4,289 | 29.1% of 3,086 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 3,590 | 30.9% of 2,690 decided |
| Not Hispanic or Latino | 8,729 | 21.6% of 6,723 decided |
| Joint | 504 | 20.8% of 395 decided |
| Ethnicity Not Available | 3,480 | 27.5% of 2,510 decided |
| Free Form Text Only | 15 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 5,575 | 29.1% of 4,210 decided |
| Female | 3,349 | 29.6% of 2,526 decided |
| Joint | 5,436 | 17.1% of 4,245 decided |
| Sex Not Available | 1,958 | 26.6% of 1,348 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. 73 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