The Mortgage Record
New Jersey · Home purchase mortgages

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.

Approval rate
90.6%
66,570 approved
Denial rate
9.4%
6,890 denied
Lender decisions
73,460
2018–2025
Active lenders
15
≥25 decisions
90.6% approved
9.4% denied

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 Excludes loans withdrawn, left incomplete, or bought on the secondary market.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

86%88%90%92%94%90%91%91%92%90%90%91%91%20182019202020212022202320242025

By loan type

Conventional91.4% of 63,552FHA85.3% of 8,582VA86.1% of 1,323

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.

LenderApprovalDecisionsDeniedAvg. rate spread
Nj Lenders Corp
Little Falls, NJ		96.6%5,049170+0.06 pp
United Wholesale Mortgage
Pontiac, MI		90.8%3,913360+0.21 pp
Rocket Mortgage
Detroit, MI		85.7%3,648523+0.20 pp
Jpmorgan Chase Bank, Na
Columbus, OH		90.1%3,425339-0.07 pp
Wells Fargo Bank Na
Minneapolis, MN		87.9%3,392409-0.22 pp
Crosscountry Mortgage, Llc
Cleveland, OH		95.6%3,016132+0.49 pp
Bank Of America Na
Westlake Village, CA		89.9%2,436247-0.26 pp
Loandepot.com Llc
Irvine, CA		93.7%2,154136+0.20 pp
Guaranteed Rate, Inc.
Chicago, IL		94.4%1,77499+0.19 pp
Bond Street Mortgage, Llc
Paramus, NJ		98.3%1,32823+0.33 pp
Td Bank
Mount Laurel, NJ		89.8%1,311134-0.05 pp
Homebridge Financial Services, Inc
Iselin, NJ		91.2%1,301114+0.53 pp

Why applications were denied

Debt-to-income ratio39% of denialsCollateral (value/type)20% of denialsOther15% of denialsIncomplete application13% of denialsCredit history12% of denialsInsufficient cash to close12% 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 Bergen County lender shortlist.

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Refinance

Refi approval rate
82.6%
68,230 of 82,604
Refi denial rate
17.4%
14,374 denied
Refi decisions
82,604
2018–2025

Best lenders for specific buyers in Bergen County

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

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 →