The Mortgage Record
New Jersey · Home purchase mortgages

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.

Approval rate
89.9%
17,914 approved
Denial rate
10.1%
2,020 denied
Lender decisions
19,934
2018–2025
Active lenders
15
≥25 decisions
89.9% approved
10.1% denied

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 Excludes loans withdrawn, left incomplete, or bought on the secondary market.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

84%87%90%93%96%88%90%88%90%90%91%91%93%20182019202020212022202320242025

By loan type

Conventional91.4% of 13,662FHA86.3% of 4,975VA88.0% of 1,015USDA84.4% of 282

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.

LenderApprovalDecisionsDeniedAvg. rate spread
Guaranteed Rate, Inc.
Chicago, IL		95.4%1,15353+0.46 pp
Family First Funding Llc
Toms River, NJ		88.3%1,142134+0.81 pp
American Neighborhood Mortgage Acceptance Company
Mt. Laurel, NJ		95.1%1,03551+0.83 pp
Crosscountry Mortgage, Llc
Cleveland, OH		96.7%95732+0.50 pp
Rocket Mortgage
Detroit, MI		83.0%858146+0.51 pp
Nj Lenders Corp
Little Falls, NJ		96.9%80225+0.30 pp
Absolute Home Mortgage
Fairfield, NJ		95.5%77135+0.74 pp
Weichert Financial Services
Morris Plains, NJ		94.8%65334+0.55 pp
Cardinal Financial Company, Li
Charlotte, NC		84.1%646103+0.77 pp
United Wholesale Mortgage
Pontiac, MI		88.7%57365+0.39 pp
Movement Mortgage, Llc
Indian Land, SC		92.6%48736+0.70 pp
Homebridge Financial Services, Inc
Iselin, NJ		92.8%47534+0.69 pp

Why applications were denied

Debt-to-income ratio34% of denialsCollateral (value/type)22% of denialsCredit history18% of denialsIncomplete application13% of denialsOther11% 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 Sussex County lender shortlist.

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Refinance

Refi approval rate
79.1%
14,194 of 17,938
Refi denial rate
20.9%
3,744 denied
Refi decisions
17,938
2018–2025

Best lenders for specific buyers in Sussex County

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

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 →