The Mortgage Record
New Jersey · Home purchase mortgages

Mortgage approvals in Atlantic County, NJ

Real approval and denial rates for home-purchase mortgages in Atlantic County, built from 31,076 federally reported lender decisions, 2018–2025.

Approval rate
89.3%
27,745 approved
Denial rate
10.7%
3,331 denied
Lender decisions
31,076
2018–2025
Active lenders
15
≥25 decisions
89.3% approved
10.7% denied

Share of 31,076 home-purchase applications that lenders approved vs. denied · 2025: 89.1% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.

Approval rate over time

84%86%88%90%92%89%90%89%90%90%88%89%89%20182019202020212022202320242025

By loan type

Conventional89.8% of 22,176FHA87.6% of 6,632VA89.8% of 1,742USDA88.4% of 526

FHA and USDA loans serve lower-down-payment and rural buyers; approval patterns differ by program.

Lenders in Atlantic County

Ranked by volume. Approval rate = originated or approved ÷ (those + denied), home purchases 2018–2025.

LenderApprovalDecisionsDeniedAvg. rate spread
Greentree Mortgage Company, L.p.
Gibbsboro, NJ		98.9%2,46327+0.63 pp
Advisors Mortgage Group, Llc
Ocean, NJ		94.8%2,391124+0.51 pp
Caliber Home Loans, Inc.
Fort Washington, PA		92.8%2,049147+0.72 pp
Wells Fargo Bank Na
Minneapolis, MN		79.9%1,033208+0.10 pp
Rocket Mortgage
Detroit, MI		79.4%934192+0.52 pp
Oceanfirst Bank
Toms River, NJ		95.9%87336-0.04 pp
Prosperity Home Mortgage, Llc
Chantilly, VA		92.1%83666+0.41 pp
Nation One Mortgage Corporatio
Marlton, NJ		95.3%78837+1.04 pp
Union Home Mortgage Corp.
Strongsville, OH		97.0%77923+0.81 pp
Crosscountry Mortgage, Llc
Cleveland, OH		93.2%76252+0.60 pp
Guaranteed Rate, Inc.
Chicago, IL		93.9%74345+0.34 pp
Citizens Bank, Na
Providence, RI		85.2%63594+0.17 pp

Why applications were denied

Debt-to-income ratio39% of denialsCredit history21% of denialsCollateral (value/type)21% of denialsOther15% of denialsInsufficient cash to close11% of denialsIncomplete application9% of denials

Primary reason lenders recorded on denied applications. One denial can cite several.

See which lenders approve borrowers like you

Filter by your income, loan size and loan type to get a Atlantic County lender shortlist.

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Refinance

Refi approval rate
75.4%
17,752 of 23,542
Refi denial rate
24.6%
5,790 denied
Refi decisions
23,542
2018–2025

Best lenders for specific buyers in Atlantic County

Best FHA lendersBest VA lendersBest USDA lendersBest jumbo lendersBest high-DTI lendersBest low-down-payment lendersBest lower-income lendersBest investment-property lendersBest manufactured-home lenders

Atlantic County mortgage FAQ

What is the mortgage approval rate in Atlantic County, NJ?

Lenders approved 89.3% of home-purchase mortgage applications in Atlantic County, New Jersey between 2018 and 2025 — 27,745 approved out of 31,076 decisions. The denial rate was 10.7% (3,331 denied).

Why do mortgage applications get denied in Atlantic County, NJ?

The reason lenders most often recorded for denying home-purchase applications in Atlantic County was debt-to-income ratio, cited on 39% of the 3,331 denials between 2018 and 2025. HMDA does not include applicants' credit scores.

Which lenders make the most mortgages in Atlantic County, NJ?

15 lenders made at least 25 home-purchase decisions in Atlantic County between 2018 and 2025. The most active was Greentree Mortgage Company, L.p., which approved 98.9% of its 2,463 applications there.

What is the most recent mortgage approval rate in Atlantic County, NJ?

In 2025, the most recent year of federal HMDA data, lenders approved 89.1% of home-purchase applications in Atlantic County, New Jersey.

Source: CFPB HMDA loan-level snapshot data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in Atlantic County, NJ. Full methodology →