The Mortgage Record
New Jersey · Home purchase mortgages

Mortgage approvals in Hudson County, NJ

Real approval and denial rates for home-purchase mortgages in Hudson County, built from 41,282 federally reported lender decisions, 2018–2025.

Approval rate
88.1%
36,352 approved
Denial rate
11.9%
4,930 denied
Lender decisions
41,282
2018–2025
Active lenders
15
≥25 decisions
88.1% approved
11.9% denied

Share of 41,282 home-purchase applications that lenders approved vs. denied · 2025: 87.9% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.

Approval rate over time

84%86%88%90%92%87%90%87%90%87%88%87%88%20182019202020212022202320242025

By loan type

Conventional89.0% of 36,078FHA82.0% of 4,645VA79.9% of 558

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

Lenders in Hudson County

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

LenderApprovalDecisionsDeniedAvg. rate spread
Loandepot.com Llc
Irvine, CA		96.8%4,079129+0.06 pp
Crosscountry Mortgage, Llc
Cleveland, OH		95.6%2,598114+0.36 pp
Jpmorgan Chase Bank, Na
Columbus, OH		87.8%2,228272-0.07 pp
Nj Lenders Corp
Little Falls, NJ		94.5%2,022112+0.11 pp
Wells Fargo Bank Na
Minneapolis, MN		82.3%1,975350-0.20 pp
Bank Of America Na
Westlake Village, CA		86.2%1,822251-0.30 pp
Rocket Mortgage
Detroit, MI		76.7%1,521355+0.30 pp
United Wholesale Mortgage
Pontiac, MI		85.8%1,476210+0.27 pp
Guaranteed Rate, Inc.
Chicago, IL		93.1%95466+0.28 pp
Citibank, Na
New York, NY		90.9%82075-0.44 pp
Citizens Bank, Na
Providence, RI		86.0%70599-0.08 pp
Td Bank
Mount Laurel, NJ		85.6%62690-0.01 pp

Why applications were denied

Debt-to-income ratio32% of denialsCollateral (value/type)31% of denialsOther16% of denialsIncomplete application12% of denialsInsufficient cash to close11% of denialsUnverifiable information11% 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 Hudson County lender shortlist.

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Refinance

Refi approval rate
78.4%
27,779 of 35,441
Refi denial rate
21.6%
7,662 denied
Refi decisions
35,441
2018–2025

Best lenders for specific buyers in Hudson County

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

Hudson County mortgage FAQ

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

Lenders approved 88.1% of home-purchase mortgage applications in Hudson County, New Jersey between 2018 and 2025 — 36,352 approved out of 41,282 decisions. The denial rate was 11.9% (4,930 denied).

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

The reason lenders most often recorded for denying home-purchase applications in Hudson County was debt-to-income ratio, cited on 32% of the 4,930 denials between 2018 and 2025. HMDA does not include applicants' credit scores.

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

15 lenders made at least 25 home-purchase decisions in Hudson County between 2018 and 2025. The most active was Loandepot.com Llc, which approved 96.8% of its 4,079 applications there.

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

In 2025, the most recent year of federal HMDA data, lenders approved 87.9% of home-purchase applications in Hudson County, New Jersey.

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