Independent research · Somerset County, New Jersey
SomersetCounty Mortgage & Property-Market Research
A source-backed view of Somerset County mortgage-market activity, NJHMFA down-payment geography, and official county research access. This is not a ranking, recommendation, or Trust Score.
Snapshot metrics
11,584
HMDA applications
2025 HMDA, properties in this county. Not a count of NJ-licensed lenders.
6,702
HMDA originations
2025 HMDA originations.
15.48%
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 11,584 applications, 6,702 originations, and 1,793 denials for properties in Somerset County (15.48% denial rate, denials ÷ applications). Purchase applications were 38.90% of applications and refinance applications were 34.06%. Conventional applications were 89.99% of the county mix, with FHA 7.86%, VA 2.06%, and USDA/other 0.09%. Denial rate is not a quality score.
- NJHMFA down-payment geography. Somerset 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.
- Land-record research access and property context. AcclaimWeb land records require a free account and are not automated here. A land-record search is not a title report. The county parcels service documented 132,911 features as of 2026-04-30; parcel count is not household count. No structured sheriff-sale status snapshot was acquired, and that gap is not published as zero sales.
2025 Somerset 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.
11,584
Applications
HMDA 2025, properties in this county.
6,702
Originations
1,793
Denials
15.48%
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), Somerset County row. Properties located in Somerset County. Not a second national download.
- Source date
- HMDA 2025
- Denominator
- 11,584 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 38.90% and refinance 34.06% 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
AcclaimWeb requires a free account (email activation). After that, the public can search recorded instruments by name, book/page, instrument number, legal description, document type, consideration, and record date. Sessions are not automated here. The Clerk will not run a title search. A recorded mortgage is not a current loan balance.
Access class: FREE ACCOUNT REQUIRED.
- name search
- book/page
- instrument number
- legal description
- document type
- consideration
- record date
Open the official Somerset County Clerk AcclaimWeb search
Land records are not a title report. Mortgage recording is not current balance. This page does not scrape the portal.
Sheriff-sale context
Somerset County publishes a sheriff-sale list on the official Sheriff page. No clean structured status snapshot was acquired for this ticket, so this page does not show a count. Absence of a published count is not evidence of zero sheriff sales. Buyer names are not collected.
Coverage: SOURCE_NOT_ACQUIRED. Missing count is not zero sheriff sales.
Property / parcel context
The county Parcels FeatureServer documented 132,911 tax-parcel features as of 2026-04-30 (last checked 2026-09-03). That is not a housing-unit or household count, and it is not a re-acquired NJGIN warehouse. The official Tax Parcel Viewer is available for interactive research. Assessment is not appraisal. Owner names are not shown.
132,911
Parcel / MOD-IV features
Not a housing-unit or household count. Assessment is not appraisal.
Owner information is redacted under Daniel's Law. This page does not publish owner names.
Lender research
Use the New Jersey lender catalog and the existing Somerset 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 Somerset County |
| NJHMFA DPA geography and homeownership programs | ACQUIRED_CURRENT_SNAPSHOT | 2026-06-17 | county of the property being purchased |
| Somerset Acclaim land-record research access | ACQUIRED_CURRENT_SNAPSHOT | 2026-09-03 | official search capability after free account; sessions not automated |
| Somerset County Parcels FeatureServer count and Tax Parcel Viewer | ACQUIRED_CURRENT_SNAPSHOT | 2026-04-30 | documented parcel feature count plus official viewer; no owner names |
| Somerset sheriff-sale structured status snapshot | SOURCE_NOT_ACQUIRED | — | no clean structured status inventory in the audited county research |
Unavailable evidence is unknown, not zero.