Independent research · Monmouth County, New Jersey
MonmouthCounty Mortgage & Property-Market Research
A source-backed view of Monmouth County mortgage-market activity, NJHMFA down-payment geography, and official county research access. This is not a ranking, recommendation, or Trust Score.
Snapshot metrics
26,425
HMDA applications
2025 HMDA, properties in this county. Not a count of NJ-licensed lenders.
15,448
HMDA originations
2025 HMDA originations.
16.43%
Denial rate
Denials ÷ applications. Not a quality score.
$22,000
Potential combined DPA
Eligible borrowers may qualify for up to this amount. County alone does not establish eligibility.
County findings
- 2025 mortgage application mix. The committed 2025 HMDA county slice recorded 26,425 applications, 15,448 originations, and 4,341 denials for properties in Monmouth County (16.43% denial rate, denials ÷ applications). Purchase applications were 37.79% of applications and refinance applications were 34.02%. Conventional applications were 90.72% of the county mix, with FHA 6.94%, VA 2.30%, and USDA/other 0.04%. Denial rate is not a quality score.
- NJHMFA down-payment geography. Monmouth is in NJHMFA's 12-county group. Eligible borrowers may qualify for up to $15,000 in Down Payment Assistance, plus $7,000 first-generation assistance where eligible (potential combined up to $22,000). County of the property does not by itself establish borrower eligibility.
- Sheriff-sale status snapshot, not completed-foreclosure counts. The 2026-09-03 CivilView listing had 99 rows: 34 scheduled, 62 adjourned, 3 bankrupt, and 0 completed sales. Scheduled, adjourned, and bankruptcy statuses are not completed sales. This is a status inventory, not a foreclosure marketing list.
2025 Monmouth County mortgage market
HMDA describes reporting institutions in the statutory HMDA universe for properties located in this county. It does not describe all lending activity. Denial rate is denials divided by applications. It is not a quality score, approval probability, or fair-lending conclusion. Disparity does not prove discrimination.
26,425
Applications
HMDA 2025, properties in this county.
15,448
Originations
4,341
Denials
16.43%
Denial rate
Denials ÷ applications in this extract.
Trace this number
- Source
- Committed HMDA New Jersey slice (data/hmda/new-jersey/county_market_summary_nj.csv), Monmouth County row. Properties located in Monmouth County. Not a second national download.
- Source date
- HMDA 2025
- Denominator
- 26,425 applications
- Calculation
- denials / applications * 100, rounded to 2 decimals
- Reporting grain
- County row from the committed New Jersey HMDA slice
- Coverage
- ACQUIRED_CURRENT_SNAPSHOT
- Caveat
- HMDA describes reporting institutions in the statutory HMDA universe for properties located in this county. It does not describe all lending activity. Denial rate is denials divided by applications. It is not a quality score, approval probability, or fair-lending conclusion. Disparity does not prove discrimination.
Applications compared with originations and denials
Loan purpose (applications)
Purchase 37.79% and refinance 34.02% of applications. These are application-purpose counts, not originations.
Loan type (applications)
NJHMFA down payment assistance
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).
County of the property does not by itself qualify a borrower. Amounts are 'up to' and require program eligibility. NJHMFA participation is not an endorsement.
$15,000
Potential DPA
Eligible borrowers may qualify for up to this amount.
$7,000
Potential first-generation supplement
Where the borrower is eligible.
$22,000
Potential combined
Not a guarantee.
Current program families
- First-Time Homebuyer Mortgage Program
- Homeward Bound Mortgage Program
- HFA Advantage Mortgage Program
- NJHMFA Down Payment Assistance Program
- Smart Start Plus / First Generation Down Payment Assistance Program
- Police and Firemen's Retirement System Mortgage Program
Trace this number
- Source
- Smart Start Plus / First Generation fact sheet and current NJHMFA program pages, reused from NJ-LEND-003.
- Source date
- 2026-06-17
- Denominator
- County of the property being purchased, not the borrower's residence county alone
- Calculation
- Official 12-county group amounts; 'up to' and eligibility-conditioned
- Reporting grain
- County membership in NJHMFA DPA geography
- Coverage
- ACQUIRED_CURRENT_SNAPSHOT
- Caveat
- County of the property does not by itself qualify a borrower. Amounts are 'up to' and require program eligibility. NJHMFA participation is not an endorsement.
Land-record research access
The official Monmouth OPRS search lets the public look up recorded deeds, mortgages, trade names, block/lot identifiers, and consideration where present, plus Tax Board MOD-IV and sales queries. A land-record search is not a title report. A recorded mortgage is not a current loan balance.
Access class: OPEN SEARCH ONLY.
- deeds
- mortgages
- trade names
- block/lot and municipality identification
- consideration / sale price on deed records where present
- Tax Board MOD-IV property information
- Tax Board computerized sales data
Open the official Monmouth County OPRS search
Land records are not a title report. Mortgage recording is not current balance. This page does not scrape the portal.
Sheriff-sale context
On the 2026-09-03 CivilView snapshot, 99 listings were present: 34 scheduled, 62 adjourned, 3 bankruptcy-related, and 0 completed sales. A scheduled or adjourned listing is not a completed foreclosure. Defendant names and property addresses are not published here.
99
Listings in snapshot
As of 2026-09-03.
34
Scheduled (not completed)
62
Adjourned (not completed)
0
Completed-sale status on this listing
Zero completed-sale rows in this snapshot is not a claim that sales never occur.
Property / parcel context
NJGIN reports 249,796 parcel/MOD-IV features in Monmouth County. Parcel count is not a housing-unit or household count. Assessment value is not appraised market value. Owner names are not shown.
249,796
Parcel / MOD-IV features
Not a housing-unit or household count. Assessment is not appraisal.
OWNER_NAME is redacted on the public web service per Daniel's Law. This page does not publish owner names.
Lender research
Use the New Jersey lender catalog and the existing Monmouth County catalog page to research lenders. A headquarters or city listed in this county does not mean the lender serves only this county. HMDA county activity is not a New Jersey license roster. Individual mortgage loan originators are not published from this page.
Source coverage
| Source family | Coverage | As-of | Grain |
|---|---|---|---|
| HMDA 2025 county slice | ACQUIRED_CURRENT_SNAPSHOT | HMDA 2025 | county mortgage applications for properties in Monmouth County |
| NJHMFA DPA geography and homeownership programs | ACQUIRED_CURRENT_SNAPSHOT | 2026-06-17 | county of the property being purchased |
| Monmouth OPRS land-record research access | ACQUIRED_CURRENT_SNAPSHOT | 2026-09-03 | official search capability (not a harvested instrument table) |
| Monmouth sheriff-sale status snapshot | ACQUIRED_CURRENT_SNAPSHOT | 2026-09-03 | aggregated listing status counts |
| NJGIN parcel / MOD-IV county filter | ACQUIRED_CURRENT_SNAPSHOT | 2026-09-03 | parcel/MOD-IV feature count; no owner names |
Unavailable evidence is unknown, not zero.