The Mortgage Record
New Jersey · Home purchase mortgages

Mortgage approvals in Hunterdon County, NJ

Real approval and denial rates for home-purchase mortgages in Hunterdon County, built from 14,126 federally reported lender decisions, 2018–2025.

Approval rate
92.3%
13,040 approved
Denial rate
7.7%
1,086 denied
Lender decisions
14,126
2018–2025
Active lenders
15
≥25 decisions
92.3% approved
7.7% denied

Share of 14,126 home-purchase applications that lenders approved vs. denied · 2025: 93.9% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.

Approval rate over time

87%89%91%93%95%92%92%92%93%92%90%94%94%20182019202020212022202320242025

By loan type

Conventional93.4% of 12,201FHA84.6% of 1,440VA89.1% of 412USDA84.9% of 73

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

Lenders in Hunterdon County

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

LenderApprovalDecisionsDeniedAvg. rate spread
Rocket Mortgage
Detroit, MI		88.2%75589+0.30 pp
Wells Fargo Bank Na
Minneapolis, MN		92.6%72153-0.13 pp
Guaranteed Rate Affinity, Llc
Chicago, IL		97.3%52014+0.20 pp
United Wholesale Mortgage
Pontiac, MI		90.6%51248+0.25 pp
Guaranteed Rate, Inc.
Chicago, IL		94.6%40922+0.22 pp
Movement Mortgage, Llc
Indian Land, SC		95.3%38118+0.49 pp
Crosscountry Mortgage, Llc
Cleveland, OH		97.8%3648+0.41 pp
Bank Of America Na
Westlake Village, CA		92.4%35727-0.15 pp
Weichert Financial Services
Morris Plains, NJ		94.4%33719+0.44 pp
Jpmorgan Chase Bank, Na
Columbus, OH		92.5%32024-0.02 pp
Nj Lenders Corp
Little Falls, NJ		97.9%2856+0.10 pp
Loandepot.com Llc
Irvine, CA		93.8%27617+0.30 pp

Why applications were denied

Debt-to-income ratio32% of denialsCollateral (value/type)28% of denialsOther13% of denialsIncomplete application13% of denialsCredit history13% of denialsInsufficient cash to close9% 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 Hunterdon County lender shortlist.

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Refinance

Refi approval rate
84.6%
12,049 of 14,236
Refi denial rate
15.4%
2,187 denied
Refi decisions
14,236
2018–2025

Best lenders for specific buyers in Hunterdon County

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

Hunterdon County mortgage FAQ

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

Lenders approved 92.3% of home-purchase mortgage applications in Hunterdon County, New Jersey between 2018 and 2025 — 13,040 approved out of 14,126 decisions. The denial rate was 7.7% (1,086 denied).

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

The reason lenders most often recorded for denying home-purchase applications in Hunterdon County was debt-to-income ratio, cited on 32% of the 1,086 denials between 2018 and 2025. HMDA does not include applicants' credit scores.

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

15 lenders made at least 25 home-purchase decisions in Hunterdon County between 2018 and 2025. The most active was Rocket Mortgage, which approved 88.2% of its 755 applications there.

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

In 2025, the most recent year of federal HMDA data, lenders approved 93.9% of home-purchase applications in Hunterdon County, New Jersey.

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