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Bergen 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.
Lenders reported 25,769 mortgage applications in Bergen County, New Jersey, for 2024, and originated 13,452 loans worth $6.4bn.
That is 37.9 originations per 1,000 households, against 44.7 for New Jersey and 48.0 nationally.
The county's denial rate was 27.4%, close to the state rate of 26.0%. The median rate spread on originated loans was 0.3 percentage points and 17.0% of originations were 1.5 points or more above the average prime offer rate.
132 lenders reached 25 applications in the county; the most active by originations were Rocket Mortgage (823), TD Bank (787) and United Wholesale Mortgage (642).
Originations were up 16% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 132. 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 | 27.4% | 26.0% | 24.3% |
| Median rate spread, pp | 0.3 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.0% | 17.7% | 15.6% |
| Average originated loan | $475k | $387k | $329k |
| Originations per 1,000 households | 37.9 | 44.7 | 48.0 |
| Home purchase share of originations | 50.8% | 51.0% | 57.0% |
| FHA-insured share | 7.1% | 11.2% | 13.4% |
| VA-guaranteed share | 1.3% | 2.9% | 7.9% |
Rate spread distribution
Share of 12,125 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 51% (6,827)Home improvement 14% (1,871)Refinancing 12% (1,600)Cash-out refinancing 12% (1,569)Other purpose 12% (1,575)
By type
Conventional 92% (12,312)FHA 7% (959)VA 1% (178)USDA 0% (3)
Trend by year
ApplicationsOriginations
This countyNew Jersey
Questions and answers
Which lenders are most active in Bergen County, NJ?
By 2024 originations: Rocket Mortgage (823), TD Bank (787), United Wholesale Mortgage (642), Crosscountry Mortgage, LLC (601), Bank of America NA (559). 132 lenders had at least 25 applications in the county.
What is the mortgage denial rate in Bergen County?
27.4% of decided applications were denied in 2024, against 26.0% across New Jersey and 24.3% nationally.
How many mortgages were originated in Bergen County in 2024?
13,452 loans totalling $6.4bn, from 25,769 applications; 37.9 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 34003; 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.