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Atlantic County, New Jersey
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Atlantic County, New Jersey, saw 10,477 HMDA-reported applications and 5,534 originations ($1.5bn) in 2024.
That is 50.5 originations per 1,000 households, against 44.7 for New Jersey and 48.0 nationally.
The county's denial rate was 28.4%, above the state rate of 26.0%. The median rate spread on originated loans was 0.5 percentage points and 18.9% of originations were 1.5 points or more above the average prime offer rate.
70 lenders reached 25 applications in the county; the most active by originations were Advisors Mortgage Group, LLC (343), Rocket Mortgage (335) and Greentree Mortgage Company, L.P. (256).
Originations were up 8% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 70. Denial rate is denials over decided applications in this county.
Compared with New Jersey and the nation
| Measure | This county | New Jersey | United States |
|---|---|---|---|
| Denial rate | 28.4% | 26.0% | 24.3% |
| Median rate spread, pp | 0.5 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.9% | 17.7% | 15.6% |
| Average originated loan | $273k | $387k | $329k |
| Originations per 1,000 households | 50.5 | 44.7 | 48.0 |
| Home purchase share of originations | 53.1% | 51.0% | 57.0% |
| FHA-insured share | 13.9% | 11.2% | 13.4% |
| VA-guaranteed share | 4.4% | 2.9% | 7.9% |
Rate spread distribution
Share of 4,670 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: New Jersey). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 53% (2,941)Home improvement 11% (635)Refinancing 9% (516)Cash-out refinancing 16% (872)Other purpose 10% (570)
By type
Conventional 81% (4,503)FHA 14% (767)VA 4% (243)USDA 0% (21)
Trend by year
ApplicationsOriginations
This countyNew Jersey
Questions and answers
Which lenders are most active in Atlantic County, NJ?
By 2024 originations: Advisors Mortgage Group, LLC (343), Rocket Mortgage (335), Greentree Mortgage Company, L.P. (256), TD Bank (250), Crosscountry Mortgage, LLC (194). 70 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Atlantic County?
28.4% of decided applications were denied in 2024, against 26.0% across New Jersey and 24.3% nationally.
How many mortgages were originated in Atlantic County in 2024?
5,534 loans totalling $1.5bn, from 10,477 applications; 50.5 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 34001; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.