Mortgage approvals in Sussex County, NJ
Real approval and denial rates for home-purchase mortgages in Sussex County, built from 19,934 federally reported lender decisions, 2018–2025.
Share of 19,934 home-purchase applications that lenders approved vs. denied · 2025: 93.4% 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 Excludes loans withdrawn, left incomplete, or bought on the secondary market.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 Sussex 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 | 95.4% | 1,153 | 53 | +0.46 pp |
| Family First Funding Llc Toms River, NJ | 88.3% | 1,142 | 134 | +0.81 pp |
| American Neighborhood Mortgage Acceptance Company Mt. Laurel, NJ | 95.1% | 1,035 | 51 | +0.83 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 96.7% | 957 | 32 | +0.50 pp |
| Rocket Mortgage Detroit, MI | 83.0% | 858 | 146 | +0.51 pp |
| Nj Lenders Corp Little Falls, NJ | 96.9% | 802 | 25 | +0.30 pp |
| Absolute Home Mortgage Fairfield, NJ | 95.5% | 771 | 35 | +0.74 pp |
| Weichert Financial Services Morris Plains, NJ | 94.8% | 653 | 34 | +0.55 pp |
| Cardinal Financial Company, Li Charlotte, NC | 84.1% | 646 | 103 | +0.77 pp |
| United Wholesale Mortgage Pontiac, MI | 88.7% | 573 | 65 | +0.39 pp |
| Movement Mortgage, Llc Indian Land, SC | 92.6% | 487 | 36 | +0.70 pp |
| Homebridge Financial Services, Inc Iselin, NJ | 92.8% | 475 | 34 | +0.69 pp |
Why applications were denied
Primary reason lenders recorded on denied applications. One denial can cite several.
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Sussex County mortgage FAQ
What is the mortgage approval rate in Sussex County, NJ?
Lenders approved 89.9% of home-purchase mortgage applications in Sussex County, New Jersey between 2018 and 2025 — 17,914 approved out of 19,934 decisions. The denial rate was 10.1% (2,020 denied).
Why do mortgage applications get denied in Sussex County, NJ?
The reason lenders most often recorded for denying home-purchase applications in Sussex County was debt-to-income ratio, cited on 34% of the 2,020 denials between 2018 and 2025. HMDA does not include applicants' credit scores.
Which lenders make the most mortgages in Sussex County, NJ?
15 lenders made at least 25 home-purchase decisions in Sussex County between 2018 and 2025. The most active was Guaranteed Rate, Inc., which approved 95.4% of its 1,153 applications there.
What is the most recent mortgage approval rate in Sussex County, NJ?
In 2025, the most recent year of federal HMDA data, lenders approved 93.4% of home-purchase applications in Sussex County, New Jersey.
Source: CFPB HMDA loan-level snapshot data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in Sussex County, NJ. Full methodology →