Mortgage approvals in Middlesex County, NJ
Real approval and denial rates for home-purchase mortgages in Middlesex County, built from 69,622 federally reported lender decisions, 2018–2025.
Share of 69,622 home-purchase applications that lenders approved vs. denied · 2025: 88.6% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.
Approval rate over time
By loan type
FHA and USDA loans serve lower-down-payment and rural buyers; approval patterns differ by program.
Lenders in Middlesex County
Ranked by volume. Approval rate = originated or approved ÷ (those + denied), home purchases 2018–2025.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Rocket Mortgage Detroit, MI | 84.5% | 5,072 | 784 | +0.28 pp |
| United Wholesale Mortgage Pontiac, MI | 89.0% | 4,207 | 463 | +0.28 pp |
| Wells Fargo Bank Na Minneapolis, MN | 85.2% | 2,632 | 389 | +0.04 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 96.4% | 2,263 | 81 | +0.47 pp |
| Bank Of America Na Westlake Village, CA | 86.5% | 1,925 | 259 | -0.20 pp |
| Jpmorgan Chase Bank, Na Columbus, OH | 89.3% | 1,802 | 193 | +0.02 pp |
| Nj Lenders Corp Little Falls, NJ | 97.2% | 1,695 | 47 | +0.07 pp |
| Advisors Mortgage Group, Llc Ocean, NJ | 92.8% | 1,446 | 104 | +0.44 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 92.8% | 1,326 | 95 | +0.51 pp |
| Loandepot.com Llc Irvine, CA | 90.3% | 1,325 | 128 | +0.37 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 93.9% | 1,314 | 80 | +0.62 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 89.8% | 1,103 | 112 | +0.67 pp |
Why applications were denied
Primary reason lenders recorded on denied applications. One denial can cite several.
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Middlesex County mortgage FAQ
What is the mortgage approval rate in Middlesex County, NJ?
Lenders approved 89.0% of home-purchase mortgage applications in Middlesex County, New Jersey between 2018 and 2025 — 61,988 approved out of 69,622 decisions. The denial rate was 11.0% (7,634 denied).
Why do mortgage applications get denied in Middlesex County, NJ?
The reason lenders most often recorded for denying home-purchase applications in Middlesex County was debt-to-income ratio, cited on 39% of the 7,634 denials between 2018 and 2025. HMDA does not include applicants' credit scores.
Which lenders make the most mortgages in Middlesex County, NJ?
15 lenders made at least 25 home-purchase decisions in Middlesex County between 2018 and 2025. The most active was Rocket Mortgage, which approved 84.5% of its 5,072 applications there.
What is the most recent mortgage approval rate in Middlesex County, NJ?
In 2025, the most recent year of federal HMDA data, lenders approved 88.6% of home-purchase applications in Middlesex County, New Jersey.
Source: CFPB HMDA loan-level snapshot data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in Middlesex County, NJ. Full methodology →