Largest lenders in Atlantic County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | C | 556 | 401 | 18.5% | 6.99% |
| 2 | Affordable Mortgage Advisors, LLC. | B | 539 | 381 | 1.9% | 6.63% |
| 3 | TD Bank | D | 475 | 235 | 25.7% | 7.34% |
| 4 | Bank of America | F | 380 | 121 | 39.2% | 6.24% |
| 5 | Crosscountry Mortgage | B | 369 | 242 | 5.4% | 6.95% |
| 6 | Advisors Mortgage Group | B | 369 | 298 | 2.7% | 6.63% |
| 7 | OceanFirst Bank | A | 318 | 214 | 15.4% | 6.63% |
| 8 | PNC Bank | D | 310 | 142 | 32.3% | 7.73% |
| 9 | Citizens Bank | C | 285 | 154 | 33.0% | 7.65% |
| 10 | Guaranteed Rate | B | 274 | 157 | 8.4% | 6.75% |
| 11 | Newrez | D | 264 | 96 | 22.0% | 6.88% |
| 12 | Pennymac Loan Services | C | 255 | 127 | 13.3% | 6.75% |
| 13 | United Shore Financial Services | B | 250 | 145 | 21.6% | 6.13% |
| 14 | Police & Fire | C | 250 | 130 | 29.2% | 6.24% |
| 15 | Loandepot.Com | D | 225 | 151 | 14.7% | 6.75% |
| 16 | Nation One Mortgage | C | 210 | 154 | 9.5% | 6.63% |
| 17 | Prosperity Home Mortgage | A | 175 | 124 | 5.1% | 6.75% |
| 18 | Dhi Mortgage Company | B | 175 | 115 | 7.4% | 6.38% |
| 19 | Fulton Bank | C | 174 | 90 | 33.3% | 6.49% |
| 20 | Freedom Mortgage | B | 161 | 48 | 13.0% | 6.25% |
| 21 | Jersey Shore | C | 145 | 107 | 19.3% | — |
| 22 | Coastal Community Bank | C | 145 | 34 | 1.4% | 10.49% |
| 23 | Navy Federal Credit Union | D | 141 | 50 | 30.5% | 7.98% |
| 24 | Broker Solutions | D | 136 | 47 | 8.8% | 6.75% |
| 25 | AmeriSave Mortgage | D | 124 | 40 | 57.3% | 8.50% |
Best approval odds in Atlantic County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Rf Renovo Management Company | 69 | 0.0% |
| 2 | Coastal Community Bank | 108 | 1.9% |
| 3 | Affordable Mortgage Advisors, LLC. | 412 | 2.4% |
| 4 | Advisors Mortgage Group | 308 | 3.3% |
| 5 | Loan Funder | 53 | 5.7% |
| 6 | Prosperity Home Mortgage | 133 | 6.8% |
| 7 | Crosscountry Mortgage | 277 | 7.2% |
| 8 | Dhi Mortgage Company | 128 | 10.2% |
| 9 | Nation One Mortgage | 174 | 11.5% |
| 10 | CMG Mortgage | 98 | 12.2% |
What Atlantic County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Atlantic County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 9,586 | 5,106 | 22.5% | 6.99% | $175,000 |
| 2024 | 10,477 | 5,534 | 22.0% | 7.00% | $195,000 |
| 2025 | 11,428 | 6,225 | 18.8% | 6.83% | $205,000 |
Frequently asked questions
18.8% of applications in Atlantic County were denied in 2025, against 17.7% statewide in New Jersey.
Rocket Mortgage, with 556 applications in 2025 and a denial rate of 18.5%.
The median mortgage application in Atlantic County in 2025 was for $205,000; the median property value on originated loans was $415,000.