Largest lenders in Bergen County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | TD Bank | D | 1,574 | 854 | 25.4% | 7.34% |
| 2 | Bank of America | F | 1,550 | 730 | 26.9% | 5.99% |
| 3 | Rocket Mortgage | C | 1,314 | 979 | 15.3% | 6.75% |
| 4 | Citizens Bank | C | 1,244 | 728 | 29.3% | 7.40% |
| 5 | Crosscountry Mortgage | B | 1,052 | 660 | 5.8% | 6.63% |
| 6 | United Shore Financial Services | B | 920 | 619 | 15.5% | 6.56% |
| 7 | JPMorgan Chase Bank | B | 850 | 515 | 10.7% | 6.38% |
| 8 | Guaranteed Rate | B | 808 | 395 | 5.8% | 6.63% |
| 9 | PNC Bank | D | 753 | 406 | 27.6% | 8.00% |
| 10 | Visions Federal Credit Union | C | 621 | 331 | 24.8% | 7.25% |
| 11 | Newrez | D | 606 | 196 | 18.8% | 6.99% |
| 12 | Loandepot.Com | D | 586 | 382 | 13.1% | 6.63% |
| 13 | Manufacturers and Traders Trust | C | 526 | 282 | 32.7% | 5.99% |
| 14 | Pennymac Loan Services | C | 463 | 225 | 14.0% | 6.62% |
| 15 | Valley National Bank | B | 462 | 305 | 21.4% | 6.49% |
| 16 | Spring Eq | D | 449 | 117 | 47.2% | 8.95% |
| 17 | Coastal Community Bank | C | 443 | 84 | 1.6% | 9.99% |
| 18 | Luminate Bank | B | 355 | 219 | 4.2% | 6.38% |
| 19 | Wells Fargo Bank | B | 353 | 197 | 13.3% | 5.88% |
| 20 | Discover Bank | F | 328 | 35 | 56.1% | 8.38% |
| 21 | Citibank | B | 316 | 162 | 17.7% | 6.00% |
| 22 | Sofi Bank | D | 296 | 73 | 11.2% | 7.79% |
| 23 | Columbia Bank | D | 293 | 169 | 20.5% | 7.50% |
| 24 | Broker Solutions | D | 287 | 88 | 7.7% | 6.88% |
| 25 | U.S. Bank | D | 285 | 154 | 28.8% | 6.50% |
Best approval odds in Bergen County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Nationwide Mortgage Bankers | 86 | 1.2% |
| 2 | Coastal Community Bank | 327 | 2.1% |
| 3 | NJ Lenders | 164 | 3.1% |
| 4 | Citadel Servicing | 54 | 3.7% |
| 5 | Bond Street Mortgage | 146 | 5.5% |
| 6 | Paramount Residential Mortgage Group | 126 | 5.6% |
| 7 | Morgan Stanley Private Bank | 88 | 5.7% |
| 8 | Absolute Home Mortgage | 70 | 5.7% |
| 9 | Luminate Bank | 237 | 6.3% |
| 10 | American Neighborhood Mortgage Acceptance Company | 76 | 6.6% |
What Bergen County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Bergen County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 22,529 | 11,608 | 22.1% | 6.88% | $325,000 |
| 2024 | 25,769 | 13,452 | 20.9% | 6.99% | $345,000 |
| 2025 | 28,701 | 15,516 | 18.1% | 6.75% | $385,000 |
Frequently asked questions
18.1% of applications in Bergen County were denied in 2025, against 17.7% statewide in New Jersey.
TD Bank, with 1,574 applications in 2025 and a denial rate of 25.4%.
The median mortgage application in Bergen County in 2025 was for $385,000; the median property value on originated loans was $805,000.