Mortgage approvals in Bergen County, NJ
Real approval and denial rates for home-purchase mortgages in Bergen County, built from 73,460 federally reported lender decisions, 2018–2025.
Share of 73,460 home-purchase applications that lenders approved vs. denied · 2025: 90.7% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.
Approval rate over time
By loan type
FHA and USDA loans serve lower-down-payment and rural buyers; approval patterns differ by program.
Lenders in Bergen County
Ranked by volume. Approval rate = originated or approved ÷ (those + denied), home purchases 2018–2025.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Nj Lenders Corp Little Falls, NJ | 96.6% | 5,049 | 170 | +0.06 pp |
| United Wholesale Mortgage Pontiac, MI | 90.8% | 3,913 | 360 | +0.21 pp |
| Rocket Mortgage Detroit, MI | 85.7% | 3,648 | 523 | +0.20 pp |
| Jpmorgan Chase Bank, Na Columbus, OH | 90.1% | 3,425 | 339 | -0.07 pp |
| Wells Fargo Bank Na Minneapolis, MN | 87.9% | 3,392 | 409 | -0.22 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 95.6% | 3,016 | 132 | +0.49 pp |
| Bank Of America Na Westlake Village, CA | 89.9% | 2,436 | 247 | -0.26 pp |
| Loandepot.com Llc Irvine, CA | 93.7% | 2,154 | 136 | +0.20 pp |
| Guaranteed Rate, Inc. Chicago, IL | 94.4% | 1,774 | 99 | +0.19 pp |
| Bond Street Mortgage, Llc Paramus, NJ | 98.3% | 1,328 | 23 | +0.33 pp |
| Td Bank Mount Laurel, NJ | 89.8% | 1,311 | 134 | -0.05 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 91.2% | 1,301 | 114 | +0.53 pp |
Why applications were denied
Primary reason lenders recorded on denied applications. One denial can cite several.
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Bergen County mortgage FAQ
What is the mortgage approval rate in Bergen County, NJ?
Lenders approved 90.6% of home-purchase mortgage applications in Bergen County, New Jersey between 2018 and 2025 — 66,570 approved out of 73,460 decisions. The denial rate was 9.4% (6,890 denied).
Why do mortgage applications get denied in Bergen County, NJ?
The reason lenders most often recorded for denying home-purchase applications in Bergen County was debt-to-income ratio, cited on 39% of the 6,890 denials between 2018 and 2025. HMDA does not include applicants' credit scores.
Which lenders make the most mortgages in Bergen County, NJ?
15 lenders made at least 25 home-purchase decisions in Bergen County between 2018 and 2025. The most active was Nj Lenders Corp, which approved 96.6% of its 5,049 applications there.
What is the most recent mortgage approval rate in Bergen County, NJ?
In 2025, the most recent year of federal HMDA data, lenders approved 90.7% of home-purchase applications in Bergen County, New Jersey.
Source: CFPB HMDA loan-level snapshot data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in Bergen County, NJ. Full methodology →