The real numbers behind every New Jersey mortgage
Every mortgage lender must report each application to the federal government — who was approved, who was denied, and why. The Mortgage Record turns 829,794 New Jersey home-purchase decisions (2018–2025) — plus the NJ-specific rules buyers actually trip on — into tools you can’t get anywhere else. No lender money. No ads. Just the record.
New Jersey home-buyer tools
The state-specific things national sites get wrong or skip — current NJ law, deadlines, and programs.
NJ transaction taxes
Realty transfer fee, the 2025 seller mansion tax, and the exit tax — on current New Jersey law, where other calculators are stale.
Calculate →Attorney-review deadline
NJ contracts have a 3-business-day attorney-review window. Enter your signing date, get the exact deadline — holidays included.
Find the date →Down-payment assistance
Check your eligibility for NJHMFA’s county-tiered down-payment and first-generation buyer assistance.
Check eligibility →Property-tax appeal
New Jersey has the nation’s highest property taxes. See whether your assessment is worth appealing under the Chapter 123 test.
Should you appeal? →Plus recast-vs-refinance, PMI-removal timeline, ARM stress test, and rent-vs-buy with real NJ county tax rates. All calculators →
The State of New Jersey Mortgage Lending →
Our full report on 829,794 decisions: who gets approved, who gets denied, why, and what it costs.
Where New Jersey buyers get turned down most
Highest home-purchase denial rates, 2018–2025: Cumberland (13.7%), Essex (13.1%), Salem (12.4%). See all 21 counties →
More: read all our data journalism → · Reporter or researcher? download our analyzed datasets (free, CC BY) →
Lender data tools
What each New Jersey lender actually did — historical base rates from the federal record, not predictions.
How lenders decided for buyers like you
Enter income, county, loan size, DTI and down payment. See how often lenders active where you are approved past applicants with a similar profile — with denial reasons and pricing.
Open the tool →Am I paying too much?
See which lenders charged borrowers like you above or below the market — on both rate and closing-cost fees, in dollars, from the federal record.
Check pricing →Lender report cards
Look up any NJ lender — Rocket, Wells Fargo, your local credit union — and see its real approval rate, denial reasons, and pricing. 370 lenders.
Browse lenders →Compare lenders head-to-head → · Denied? Find lenders more likely to approve you → · Best lenders for FHA, VA, jumbo, low-down & high-DTI buyers →
Find your county
The Mortgage Record is independent research from federal HMDA data — not a lender, broker, or lead generator. How we built this →