Mortgage approvals in Union County, NJ
Real approval and denial rates for home-purchase mortgages in Union County, built from 44,152 federally reported lender decisions, 2018–2025.
Share of 44,152 home-purchase applications that lenders approved vs. denied · 2025: 90.7% 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 Excludes loans withdrawn, left incomplete, or bought on the secondary market.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 Union County
Ranked by volume. Approval rate = originated or approved ÷ (those + denied), home purchases 2018–2025.
| Lender | Approval | Decisions | Denied | Avg. rate spread |
|---|---|---|---|---|
| Wells Fargo Bank Na Minneapolis, MN | 89.2% | 1,928 | 209 | -0.20 pp |
| United Wholesale Mortgage Pontiac, MI | 87.1% | 1,852 | 239 | +0.29 pp |
| Rocket Mortgage Detroit, MI | 83.0% | 1,528 | 260 | +0.34 pp |
| Guaranteed Rate, Inc. Chicago, IL | 95.3% | 1,524 | 72 | +0.21 pp |
| Guaranteed Rate Affinity, Llc Chicago, IL | 97.7% | 1,399 | 32 | +0.08 pp |
| Jpmorgan Chase Bank, Na Columbus, OH | 91.2% | 1,394 | 122 | -0.05 pp |
| Bank Of America Na Westlake Village, CA | 88.6% | 1,346 | 153 | -0.29 pp |
| Crosscountry Mortgage, Llc Cleveland, OH | 94.3% | 1,202 | 69 | +0.56 pp |
| Paramount Residential Mortgage Corona, CA | 89.9% | 1,146 | 116 | +0.93 pp |
| Nj Lenders Corp Little Falls, NJ | 96.5% | 1,069 | 37 | +0.20 pp |
| Loandepot.com Llc Irvine, CA | 89.7% | 1,041 | 107 | +0.39 pp |
| Caliber Home Loans, Inc. Fort Washington, PA | 91.4% | 948 | 82 | +0.61 pp |
Why applications were denied
Primary reason lenders recorded on denied applications. One denial can cite several.
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Union County mortgage FAQ
What is the mortgage approval rate in Union County, NJ?
Lenders approved 89.3% of home-purchase mortgage applications in Union County, New Jersey between 2018 and 2025 — 39,435 approved out of 44,152 decisions. The denial rate was 10.7% (4,717 denied).
Why do mortgage applications get denied in Union County, NJ?
The reason lenders most often recorded for denying home-purchase applications in Union County was debt-to-income ratio, cited on 39% of the 4,717 denials between 2018 and 2025. HMDA does not include applicants' credit scores.
Which lenders make the most mortgages in Union County, NJ?
15 lenders made at least 25 home-purchase decisions in Union County between 2018 and 2025. The most active was Wells Fargo Bank Na, which approved 89.2% of its 1,928 applications there.
What is the most recent mortgage approval rate in Union County, NJ?
In 2025, the most recent year of federal HMDA data, lenders approved 90.7% of home-purchase applications in Union County, New Jersey.
Source: CFPB HMDA loan-level snapshot data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in Union County, NJ. Full methodology →