Independent research · New Jersey
A source-backed view of New Jersey mortgage-market activity, NJHMFA homeownership programs, and NJDOBI regulatory evidence. This is not a ranking, recommendation, or Trust Score.
Local catalog pages remain at /local-lenders/new-jersey. Those pages are not this official-source intelligence snapshot.
318,529
Universe · HMDA applications
2025 HMDA applications for properties located in New Jersey. Not a count of NJ-licensed mortgage companies.
177,325
Current · HMDA originations
2025 HMDA originations, property location New Jersey.
453
Observations · DOBI unique orders
Acquired NJDOBI unique order numbers. Not every action ever issued.
21
Geography · Counties in HMDA slice
All 21 New Jersey counties in the HMDA slice.
2025
As-of · HMDA vintage
HMDA reporting vintage. NJHMFA lender list is dated 2026-04-01.
HMDA describes reporting institutions in the statutory HMDA universe for properties located in New Jersey. It does not describe all lending activity. Denial rate is not a quality score. Disparity does not prove discrimination.
318,529
Applications
HMDA 2025, properties in New Jersey.
177,325
Originations
55,995
Denials
17.58%
Denial rate
Denials ÷ applications in this extract.
Purchase 38.30% and refinance 34.94% of applications. These are application-purpose counts, not originations.
Median loan amount, interest-rate coverage, and denial reasons are omitted because they are not in the committed 2025 NJ summary extract.
Dedicated mortgage and property-market research for Monmouth, Middlesex, Somerset, and Union counties. These pages are not a ranking of counties or lenders.
County rows use the same 2025 HMDA extract. Monmouth, Middlesex, Somerset, and Union have dedicated county research pages. High or low denial rates are not best or worst counties.
| County | Applications | Originations | Denials | Denial rate | Purchase % of apps | Conv. % of apps |
|---|---|---|---|---|---|---|
| Atlantic | 11,432 | 6,224 | 2,147 | 18.78% | 40.43% | 81.96% |
| Bergen | 28,715 | 15,503 | 5,178 | 18.03% | 37.15% | 91.27% |
| Burlington | 20,617 | 11,791 | 3,558 | 17.26% | 35.26% | 78.31% |
| Camden | 21,015 | 11,712 | 3,913 | 18.62% | 36.36% | 78.00% |
| Cape May | 6,716 | 4,121 | 1,046 | 15.57% | 45.31% | 92.15% |
| Cumberland | 5,186 | 2,744 | 1,045 | 20.15% | 41.86% | 66.74% |
| Essex | 22,930 | 11,644 | 4,413 | 19.25% | 38.56% | 83.22% |
| Gloucester | 13,741 | 8,040 | 2,430 | 17.68% | 37.48% | 77.79% |
Denial rate is denials divided by applications in this extract. It is not a best/worst ranking.
Official current program families. This is not an eligibility calculator. County of purchase does not by itself qualify a borrower.
County of the property does not by itself qualify a borrower. Amounts are 'up to' and require program eligibility.
Eligible borrowers may qualify for up to $15,000 in NJHMFA Down Payment Assistance, plus $7,000 first-generation assistance where eligible (potential combined up to $22,000).
Bergen, Essex, Hudson, Hunterdon, Mercer, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Union
Eligible borrowers may qualify for up to $10,000 in NJHMFA Down Payment Assistance, plus $7,000 first-generation assistance where eligible (potential combined up to $17,000).
Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Salem, Sussex, Warren
Lenders appearing on NJHMFA's April 2026 participating-lender activity list: 89 distinct names. Names printed on the official activity/listing PDF. Approved participants with zero sales in the prior six months are omitted. This is not the complete current approved-lender universe.
Participation is not an endorsement, recommendation, or quality ranking. Source ordering by loans sold is not a recommendation. Names are not attached to NMLS profiles from this list.
This is the acquired DOBI enforcement corpus, not every action ever issued. 2023–2026 OCF year pages were SOURCE_NOT_ACQUIRED and must not be read as zero actions. Unresolved respondents are not attached to public company profiles. Individuals stay internal-only.
479
Index occurrences
453
Unique orders
211
Unique documents
206
Multi-party orders
OCF year pages 2023–2026 are 2023, 2024, 2025, 2026 SOURCE_NOT_ACQUIRED. That is not a finding of zero actions in those years.
Exact identity coverage in the acquired corpus: 35 NMLS companies, 17 FDIC, 84 NJ state references. 262 unresolved respondents are not attached to public company profiles. 224 individuals remain internal-only.
Charter type is not a mortgage license, not a broker license, and not NJHMFA participation. Appearance on this list is not a consumer recommendation.
Official current list: 114 institutions as of 2026-09-02.
New Jersey maintains a mortgage-servicer framework separate from an RMLA lender license. The 2025 annual-report worksheet distinguishes mortgage-servicer licensees from RMLA-licensed mortgage-servicer registrants. Licensee-level annual-report results (loans serviced, delinquency, foreclosures commenced) have not been acquired as a public file.
Do not read a missing roster as zero servicers, zero delinquencies, or zero foreclosures. Delinquency is not misconduct. Foreclosure commenced is not a violation.
A policy bulletin is not adverse evidence against participating lenders.
| Source family | Coverage | As-of | Grain |
|---|---|---|---|
| HMDA | ACQUIRED_CURRENT_SNAPSHOT | HMDA 2025 | state and 21 counties, property location |
| NJDOBI enforcement | ACQUIRED_PARTIAL_HISTORY | OCF 2014–2022 complete; 2023–2026 not acquired | index occurrences / orders / documents |
| NJDOBI financial institutions | ACQUIRED_CURRENT_SNAPSHOT | 2026-09-02 | official current list, 114 rows |
| RMLA licensing framework | SOURCE_AVAILABLE_BY_REQUEST | — | application classes, not a roster |
| Mortgage servicer framework | SOURCE_AVAILABLE_BY_REQUEST | 2025 worksheet / 2026 filing | class distinction, not results |
| NJHMFA programs | ACQUIRED_CURRENT_SNAPSHOT | 2026-06-17 | program families and county limits |
| NJHMFA lender source | ACQUIRED_CURRENT_SNAPSHOT | 2026-04-01 | activity list, incomplete vs all approved |
| NJHMFA bulletins | ACQUIRED_CURRENT_SNAPSHOT | 2026 portal index | 2026-1 through 2026-10 |
Unavailable evidence is unknown, not zero. These gaps do not block this page; they block only the affected metrics.