Independent research · Union County, New Jersey

UnionCounty Mortgage & Property-Market Research

A source-backed view of Union County mortgage-market activity, NJHMFA down-payment geography, and official county research access. This is not a ranking, recommendation, or Trust Score.

16,330

HMDA applications

2025 HMDA, properties in this county. Not a count of NJ-licensed lenders.

8,654

HMDA originations

2025 HMDA originations.

18.73%

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 16,330 applications, 8,654 originations, and 3,058 denials for properties in Union County (18.73% denial rate, denials ÷ applications). Purchase applications were 37.15% of applications and refinance applications were 36.55%. Conventional applications were 83.63% of the county mix, with FHA 14.05%, VA 2.27%, and USDA/other 0.06%. Denial rate is not a quality score.
NJHMFA down-payment geography. Union 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.
Clerk research access and local housing/repair resources. The Clerk name index covers 1977-06-01 forward in the current public index; pre-1986 image coverage is incomplete and is not a zero-record finding. Union County's Home Improvement Program and Senior Home Improvement Grant are local housing/repair resources as of the 2026-01-14 county page, not mortgage products. No structured sheriff-sale status snapshot was acquired.

2025 Union 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.

16,330

Applications

HMDA 2025, properties in this county.

8,654

Originations

3,058

Denials

18.73%

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), Union County row. Properties located in Union County. Not a second national download.
Source date: HMDA 2025
Denominator: 16,330 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

Applications16,330

Originations8,654

Denials3,058

Loan purpose (applications)

Purchase 37.15% and refinance 36.55% of applications. These are application-purpose counts, not originations.

Purchase applications6,066

Refinance applications5,968

Loan type (applications)

Conventional (83.63%)13,657

FHA (14.05%)2,294

VA (2.27%)370

USDA / other (0.06%)9

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

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 Clerk's public name index covers instruments recorded from 1977-06-01 through 2026-01-21. Pre-1986 image coverage is incomplete; that is not a finding of zero older records. A land-record search is not a title report. A recorded mortgage is not a current loan balance.

Access class: OPEN SEARCH ONLY.

name index of recorded instruments from 1977-06-01 through 2026-01-21
published first-page images for indexed documents
paper record-room copies historically from 1857

Open the official Union County Clerk Public Land Records (UCPA/DocIndex) search

Land records are not a title report. Mortgage recording is not current balance. This page does not scrape the portal.

Sheriff-sale context

Union County publishes sheriff-sale information on the official Sheriff page, typically Wednesday sales. 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.

Coverage: SOURCE_NOT_ACQUIRED. Missing count is not zero sheriff sales.

Official sheriff-sale source

Property / parcel context

A Union County parcel/MOD-IV feature count was not computed in this ticket. That gap is not published as zero parcels. Owner names are not shown.

Coverage: SOURCE_NOT_ACQUIRED. Missing parcel count is not zero parcels.

OWNER_NAME is redacted on the public NJGIN web service per Daniel's Law. This page does not publish owner names.

Local housing / repair resources

These are local housing and repair resources. They are not mortgage products. Amounts are stated only as of the official county page date.

Union County Home Improvement Program

Type: Deferred payment loan (non-interest; repayment deferred until sale or transfer)
Published amount: up to $24,999
Property: Owner-occupied 1- and 2-family homes
CDBG-funded rehabilitation assistance in participating municipalities. Not a mortgage product and not a Union County contractor license. Amounts are as published on the county page dated 2026-01-14.

Senior Home Improvement Grant

Type: Grant (does not have to be repaid)
Published amount: capped at $10,000
Property: Same income/property guidelines as the Home Improvement Program, for eligible residents ages 62 and over
Not a mortgage product. Grant availability is stated only as of the 2026-01-14 county page.

Official county program page

Lender research

Use the New Jersey lender catalog and the existing Union 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 Union County
NJHMFA DPA geography and homeownership programs	ACQUIRED_CURRENT_SNAPSHOT	2026-06-17	county of the property being purchased
Union County Clerk land-record research access	ACQUIRED_CURRENT_SNAPSHOT	2026-01-21	official search capability (not a harvested instrument table)
Union County Home Improvement Program and Senior Home Improvement Grant	ACQUIRED_CURRENT_SNAPSHOT	2026-01-14	local housing / repair program rules; not mortgage products
Union sheriff-sale structured status snapshot	SOURCE_NOT_ACQUIRED	—	no clean structured status inventory in the audited county research
NJGIN parcel count for Union County	SOURCE_NOT_ACQUIRED	—	county parcel count was not computed in this ticket

Unavailable evidence is unknown, not zero.

Snapshot metrics