The Mortgage Record
New Jersey · Home purchase mortgages

Mortgage approvals in Cumberland County, NJ

Real approval and denial rates for home-purchase mortgages in Cumberland County, built from 11,536 federally reported lender decisions, 2018–2025.

Approval rate
86.3%
9,953 approved
Denial rate
13.7%
1,583 denied
Lender decisions
11,536
2018–2025
Active lenders
15
≥25 decisions
86.3% approved
13.7% denied

Share of 11,536 home-purchase applications that lenders approved vs. denied · 2025: 85.7% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.

Approval rate over time

81%83%85%87%89%87%88%87%86%85%86%85%86%20182019202020212022202320242025

By loan type

Conventional81.6% of 4,897FHA90.0% of 5,715VA87.9% of 782USDA87.3% of 142

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

Lenders in Cumberland County

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

LenderApprovalDecisionsDeniedAvg. rate spread
Finance Of America Mortgage Llc
Horsham, PA		93.6%1,744112+0.80 pp
Nation One Mortgage Corporatio
Marlton, NJ		96.9%1,21538+0.81 pp
Gateway First Bank
Jenks, OK		93.5%88658+1.02 pp
Greentree Mortgage Company, L.p.
Gibbsboro, NJ		97.1%54916+0.86 pp
Cardinal Financial Company, Li
Charlotte, NC		84.2%46874+1.06 pp
Triad Financial Services, Inc.
Jacksonville, FL		49.0%347177+2.74 pp
Rocket Mortgage
Detroit, MI		74.3%30779+0.61 pp
American Neighborhood Mortgage Acceptance Company
Mt. Laurel, NJ		95.4%25912+1.01 pp
Crosscountry Mortgage, Llc
Cleveland, OH		93.8%25816+1.08 pp
Movement Mortgage, Llc
Indian Land, SC		92.6%22917+1.02 pp
Prosperity Home Mortgage, Llc
Chantilly, VA		93.8%22414+0.39 pp
Allied Mortgage Group, Inc
Bala Cynwyd, PA		94.4%19811+1.00 pp

Why applications were denied

Debt-to-income ratio40% of denialsCredit history29% of denialsOther16% of denialsInsufficient cash to close14% of denialsCollateral (value/type)13% of denialsIncomplete application9% of denials

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

See which lenders approve borrowers like you

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Refinance

Refi approval rate
71.4%
6,484 of 9,086
Refi denial rate
28.6%
2,602 denied
Refi decisions
9,086
2018–2025

Best lenders for specific buyers in Cumberland County

Best FHA lendersBest VA lendersBest high-DTI lendersBest low-down-payment lendersBest lower-income lendersBest manufactured-home lenders

Cumberland County mortgage FAQ

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

Lenders approved 86.3% of home-purchase mortgage applications in Cumberland County, New Jersey between 2018 and 2025 — 9,953 approved out of 11,536 decisions. The denial rate was 13.7% (1,583 denied).

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

The reason lenders most often recorded for denying home-purchase applications in Cumberland County was debt-to-income ratio, cited on 40% of the 1,583 denials between 2018 and 2025. HMDA does not include applicants' credit scores.

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

15 lenders made at least 25 home-purchase decisions in Cumberland County between 2018 and 2025. The most active was Finance Of America Mortgage Llc, which approved 93.6% of its 1,744 applications there.

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

In 2025, the most recent year of federal HMDA data, lenders approved 85.7% of home-purchase applications in Cumberland County, New Jersey.

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