The Mortgage Record
New Jersey · Home purchase mortgages

Mortgage approvals in Gloucester County, NJ

Real approval and denial rates for home-purchase mortgages in Gloucester County, built from 33,807 federally reported lender decisions, 2018–2025.

Approval rate
91.9%
31,074 approved
Denial rate
8.1%
2,733 denied
Lender decisions
33,807
2018–2025
Active lenders
15
≥25 decisions
91.9% approved
8.1% denied

Share of 33,807 home-purchase applications that lenders approved vs. denied · 2025: 91.9% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.

Approval rate over time

87%89%91%93%95%92%93%92%93%90%91%92%92%20182019202020212022202320242025

By loan type

Conventional93.0% of 21,127FHA90.2% of 10,077VA90.4% of 2,194USDA89.0% of 409

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

Lenders in Gloucester 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		98.6%3,25445+0.63 pp
American Neighborhood Mortgage Acceptance Company
Mt. Laurel, NJ		97.2%1,60445+0.78 pp
Nvr Mortgage Finance, Inc.
Pittsburgh, PA		85.5%1,564227+0.34 pp
Crosscountry Mortgage, Llc
Cleveland, OH		97.3%1,55942+0.75 pp
Nation One Mortgage Corporatio
Marlton, NJ		96.5%1,36147+1.16 pp
Nfm, Inc
Linthicum, MD		97.7%1,19428+0.63 pp
Rocket Mortgage
Detroit, MI		85.0%1,035155+0.52 pp
Allied Mortgage Group, Inc
Bala Cynwyd, PA		96.6%87130+0.80 pp
Trident Mortgage Company Lp
Devon, PA		98.1%85016+0.61 pp
Gateway First Bank
Jenks, OK		92.4%79060+0.83 pp
Prosperity Home Mortgage, Llc
Chantilly, VA		95.8%75332+0.41 pp
Finance Of America Mortgage Llc
Horsham, PA		94.3%69840+0.72 pp

Why applications were denied

Debt-to-income ratio37% of denialsCredit history26% of denialsOther16% of denialsCollateral (value/type)15% of denialsInsufficient cash to close12% of denialsIncomplete application10% 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 Gloucester County lender shortlist.

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Refinance

Refi approval rate
79.5%
25,359 of 31,894
Refi denial rate
20.5%
6,535 denied
Refi decisions
31,894
2018–2025

Best lenders for specific buyers in Gloucester County

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

Gloucester County mortgage FAQ

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

Lenders approved 91.9% of home-purchase mortgage applications in Gloucester County, New Jersey between 2018 and 2025 — 31,074 approved out of 33,807 decisions. The denial rate was 8.1% (2,733 denied).

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

The reason lenders most often recorded for denying home-purchase applications in Gloucester County was debt-to-income ratio, cited on 37% of the 2,733 denials between 2018 and 2025. HMDA does not include applicants' credit scores.

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

15 lenders made at least 25 home-purchase decisions in Gloucester County between 2018 and 2025. The most active was Greentree Mortgage Company, L.p., which approved 98.6% of its 3,254 applications there.

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

In 2025, the most recent year of federal HMDA data, lenders approved 91.9% of home-purchase applications in Gloucester County, New Jersey.

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