Camden County, New Jersey · 2025

Mortgage lenders in Camden County, NJ: denial rates and top lenders (2025)

457 lenders acted on 21,005 mortgage applications for properties in Camden County in 2025. 18.6% were denied (New Jersey: 17.7%). Median rate on closed loans 6.75%; median loan $205,000; median property value $375,000.

21kApplications
18.6%Denial ratestate 17.7%
6.75%Median ratestate 6.75%
$205,000Median loan
$375,000Median property value

Largest lenders in Camden County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Police & Fire C 1,253641 32.7%6.49%
2 Rocket Mortgage C 991733 17.4%6.75%
3 TD Bank D 906474 27.8%7.54%
4 PNC Bank D 823437 25.0%6.50%
5 Citizens Bank C 677418 25.3%7.65%
6 Crosscountry Mortgage B 636420 3.1%6.75%
7 Guaranteed Rate B 570368 6.7%6.59%
8 Navy Federal Credit Union D 444210 23.4%7.90%
9 United Shore Financial Services B 428277 17.3%6.25%
10 Pennymac Loan Services C 425188 13.4%6.50%
11 Bank of America F 410130 41.0%6.38%
12 NFM A 406333 2.2%6.63%
13 Freedom Mortgage B 402133 11.7%6.25%
14 Newrez D 402116 24.6%6.88%
15 Affordable Mortgage Advisors, LLC. B 400295 2.3%6.63%
16 Broker Solutions D 353151 9.6%6.88%
17 Loandepot.Com D 339217 19.5%6.99%
18 American Heritage FCU D 321159 38.3%6.74%
19 Kiavi Funding D 276220 5.8%9.95%
20 FIRST HARVEST Federal Credit Union F 276124 26.8%7.62%
21 Absolute Home Mortgage C 267199 2.6%6.63%
22 1st Colonial Community Bank C 266199 10.9%6.88%
23 Coastal Community Bank C 26155 3.1%8.99%
24 Nation One Mortgage C 252190 3.2%6.63%
25 Rf Renovo Management Company B 230191 0.0%9.25%

Best approval odds in Camden County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

What Camden County borrowers applied for

By loan purpose

Home purchase 7,625 36% · 7.5% denied
Refinance 3,046 15% · 15.0% denied
Cash-out refinance 4,788 23% · 23.6% denied
Home improvement 2,815 13% · 31.6% denied
Other / HELOC 2,731 13% · 31.6% denied

By loan type

Conventional 16,388 78% · 19.3% denied
FHA 3,539 17% · 16.6% denied
VA 1,042 5% · 14.8% denied
USDA / RHS 36 0% · 8.3% denied

Why applications were denied

Debt-to-income ratio 1,356 35%
Credit history 1,181 30%
Collateral 441 11%
Incomplete application 412 11%
Other 300 8%
Unverifiable information 110 3%
Insufficient cash 65 2%
Employment history 39 1%
Mortgage insurance denied 1 0%

Camden County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202317,6379,58521.9%6.99%$165,000
202419,03910,57420.6%6.99%$175,000
202521,00511,71718.6%6.75%$205,000

Frequently asked questions

18.6% of applications in Camden County were denied in 2025, against 17.7% statewide in New Jersey.

Police & Fire, with 1,253 applications in 2025 and a denial rate of 32.7%.

The median mortgage application in Camden County in 2025 was for $205,000; the median property value on originated loans was $375,000.