Mortgage approvals in Morris County, NJ
Real approval and denial rates for home-purchase mortgages in Morris County, built from 47,993 federally reported lender decisions, 2018–2025.
Share of 47,993 home-purchase applications that lenders approved vs. denied · 2025: 93.1% 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 Excludes loans withdrawn, left incomplete, or bought on the secondary market.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 Morris County
Ranked by volume. Approval rate = originated or approved ÷ (those + denied), home purchases 2018–2025.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Guaranteed Rate, Inc. Chicago, IL | 96.6% | 2,541 | 86 | +0.16 pp |
| Rocket Mortgage Detroit, MI | 88.0% | 2,404 | 288 | +0.23 pp |
| Nj Lenders Corp Little Falls, NJ | 97.9% | 2,307 | 49 | +0.05 pp |
| Wells Fargo Bank Na Minneapolis, MN | 90.9% | 2,287 | 208 | -0.23 pp |
| United Wholesale Mortgage Pontiac, MI | 92.6% | 1,850 | 136 | +0.19 pp |
| Jpmorgan Chase Bank, Na Columbus, OH | 94.0% | 1,623 | 97 | -0.08 pp |
| Bank Of America Na Westlake Village, CA | 92.9% | 1,470 | 105 | -0.24 pp |
| Weichert Financial Services Morris Plains, NJ | 95.7% | 1,468 | 63 | +0.38 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 97.1% | 1,468 | 43 | +0.36 pp |
| Loandepot.com Llc Irvine, CA | 95.4% | 1,336 | 62 | +0.22 pp |
| Absolute Home Mortgage Fairfield, NJ | 96.6% | 1,048 | 36 | +0.58 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 97.0% | 944 | 28 | +0.50 pp |
Why applications were denied
Primary reason lenders recorded on denied applications. One denial can cite several.
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Morris County mortgage FAQ
What is the mortgage approval rate in Morris County, NJ?
Lenders approved 92.9% of home-purchase mortgage applications in Morris County, New Jersey between 2018 and 2025 — 44,577 approved out of 47,993 decisions. The denial rate was 7.1% (3,416 denied).
Why do mortgage applications get denied in Morris County, NJ?
The reason lenders most often recorded for denying home-purchase applications in Morris County was debt-to-income ratio, cited on 35% of the 3,416 denials between 2018 and 2025. HMDA does not include applicants' credit scores.
Which lenders make the most mortgages in Morris County, NJ?
15 lenders made at least 25 home-purchase decisions in Morris County between 2018 and 2025. The most active was Guaranteed Rate, Inc., which approved 96.6% of its 2,541 applications there.
What is the most recent mortgage approval rate in Morris County, NJ?
In 2025, the most recent year of federal HMDA data, lenders approved 93.1% of home-purchase applications in Morris County, New Jersey.
Source: CFPB HMDA loan-level snapshot data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in Morris County, NJ. Full methodology →