Largest lenders in Cumberland County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Nation One Mortgage | C | 534 | 418 | 2.3% | 6.50% |
| 2 | Rocket Mortgage | C | 281 | 186 | 23.8% | 6.75% |
| 3 | Guaranteed Rate | B | 143 | 86 | 16.1% | 6.63% |
| 4 | Bank of America | F | 137 | 26 | 56.9% | 6.43% |
| 5 | Freedom Mortgage | B | 135 | 48 | 10.4% | 6.25% |
| 6 | TD Bank | D | 121 | 49 | 38.0% | 8.01% |
| 7 | United Shore Financial Services | B | 117 | 64 | 22.2% | 5.99% |
| 8 | Newrez | D | 106 | 31 | 29.3% | 6.88% |
| 9 | Pennymac Loan Services | C | 100 | 43 | 15.0% | 6.25% |
| 10 | Loan Funder | F | 95 | 61 | 4.2% | 10.50% |
| 11 | Cardinal Financial Company, Limited Partnership | B | 90 | 82 | 3.3% | 6.99% |
| 12 | Loandepot.Com | D | 87 | 46 | 32.2% | 7.06% |
| 13 | Broker Solutions | D | 85 | 26 | 9.4% | 6.75% |
| 14 | Affordable Mortgage Advisors, LLC. | B | 85 | 61 | 3.5% | 6.63% |
| 15 | OceanFirst Bank | A | 85 | 44 | 21.2% | 6.50% |
| 16 | Truist Bank | C | 80 | 35 | 37.5% | 6.70% |
| 17 | 21st Mortgage | F | 80 | 14 | 38.8% | 10.83% |
| 18 | Crosscountry Mortgage | B | 79 | 45 | 7.6% | 6.75% |
| 19 | Kiavi Funding | D | 72 | 57 | 6.9% | 10.25% |
| 20 | Mortgage Research Center | C | 70 | 36 | 18.6% | 6.25% |
| 21 | AmeriSave Mortgage | D | 66 | 21 | 57.6% | 8.13% |
| 22 | Coastal Community Bank | C | 66 | 15 | 3.0% | 10.99% |
| 23 | Gateway First Bank | B | 64 | 40 | 4.7% | 6.50% |
| 24 | Police & Fire | C | 59 | 26 | 35.6% | 6.24% |
| 25 | FIRST HARVEST Federal Credit Union | F | 59 | 21 | 27.1% | 7.75% |
Best approval odds in Cumberland County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Nation One Mortgage | 430 | 2.8% |
| 2 | Cardinal Financial Company, Limited Partnership | 89 | 3.4% |
| 3 | Affordable Mortgage Advisors, LLC. | 64 | 4.7% |
| 4 | Loan Funder | 65 | 6.2% |
| 5 | Kiavi Funding | 65 | 7.7% |
| 6 | Crosscountry Mortgage | 52 | 11.5% |
| 7 | Freedom Mortgage | 72 | 19.4% |
| 8 | Guaranteed Rate | 109 | 21.1% |
| 9 | Pennymac Loan Services | 59 | 25.4% |
| 10 | Rocket Mortgage | 262 | 25.6% |
What Cumberland County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Cumberland County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 4,059 | 2,187 | 23.2% | 6.99% | $155,000 |
| 2024 | 4,604 | 2,552 | 21.7% | 6.90% | $165,000 |
| 2025 | 5,192 | 2,748 | 20.2% | 6.75% | $175,000 |
Frequently asked questions
20.2% of applications in Cumberland County were denied in 2025, against 17.7% statewide in New Jersey.
Nation One Mortgage, with 534 applications in 2025 and a denial rate of 2.3%.
The median mortgage application in Cumberland County in 2025 was for $175,000; the median property value on originated loans was $295,000.