The Mortgage Record
New Jersey · Home purchase mortgages

Mortgage approvals in Warren County, NJ

Real approval and denial rates for home-purchase mortgages in Warren County, built from 12,216 federally reported lender decisions, 2018–2025.

Approval rate
88.9%
10,865 approved
Denial rate
11.1%
1,351 denied
Lender decisions
12,216
2018–2025
Active lenders
15
≥25 decisions
88.9% approved
11.1% denied

Share of 12,216 home-purchase applications that lenders approved vs. denied · 2025: 90.6% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.

Approval rate over time

84%86%88%90%92%87%88%90%89%89%89%88%91%20182019202020212022202320242025

By loan type

Conventional91.2% of 8,265FHA83.8% of 3,179VA87.3% of 591USDA81.2% of 181

FHA and USDA loans serve lower-down-payment and rural buyers; approval patterns differ by program.

Lenders in Warren County

Ranked by volume. Approval rate = originated or approved ÷ (those + denied), home purchases 2018–2025.

LenderApprovalDecisionsDeniedAvg. rate spread
Rocket Mortgage
Detroit, MI		81.9%646117+0.52 pp
Absolute Home Mortgage
Fairfield, NJ		97.1%61218+0.75 pp
Guaranteed Rate, Inc.
Chicago, IL		93.0%47433+0.46 pp
Movement Mortgage, Llc
Indian Land, SC		92.8%46934+0.66 pp
Crosscountry Mortgage, Llc
Cleveland, OH		95.0%44422+0.67 pp
United Wholesale Mortgage
Pontiac, MI		90.9%40537+0.38 pp
American Neighborhood Mortgage Acceptance Company
Mt. Laurel, NJ		95.0%37819+0.79 pp
Weichert Financial Services
Morris Plains, NJ		94.4%37221+0.66 pp
Wells Fargo Bank Na
Minneapolis, MN		83.0%37063+0.17 pp
Nj Lenders Corp
Little Falls, NJ		95.1%30715+0.32 pp
Nvr Mortgage Finance, Inc.
Pittsburgh, PA		87.8%29536-0.01 pp
Loandepot.com Llc
Irvine, CA		91.4%24321+0.56 pp

Why applications were denied

Debt-to-income ratio38% of denialsCredit history19% of denialsCollateral (value/type)17% of denialsOther16% of denialsIncomplete application11% of denialsInsufficient cash to close11% 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 Warren County lender shortlist.

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Refinance

Refi approval rate
79.0%
8,320 of 10,536
Refi denial rate
21.0%
2,216 denied
Refi decisions
10,536
2018–2025

Best lenders for specific buyers in Warren County

Best FHA lendersBest VA lendersBest high-DTI lendersBest low-down-payment lendersBest lower-income lenders

Warren County mortgage FAQ

What is the mortgage approval rate in Warren County, NJ?

Lenders approved 88.9% of home-purchase mortgage applications in Warren County, New Jersey between 2018 and 2025 — 10,865 approved out of 12,216 decisions. The denial rate was 11.1% (1,351 denied).

Why do mortgage applications get denied in Warren County, NJ?

The reason lenders most often recorded for denying home-purchase applications in Warren County was debt-to-income ratio, cited on 38% of the 1,351 denials between 2018 and 2025. HMDA does not include applicants' credit scores.

Which lenders make the most mortgages in Warren County, NJ?

15 lenders made at least 25 home-purchase decisions in Warren County between 2018 and 2025. The most active was Rocket Mortgage, which approved 81.9% of its 646 applications there.

What is the most recent mortgage approval rate in Warren County, NJ?

In 2025, the most recent year of federal HMDA data, lenders approved 90.6% of home-purchase applications in Warren County, New Jersey.

Source: CFPB HMDA loan-level snapshot data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in Warren County, NJ. Full methodology →