Visual story
The mortgage market
Explore a place
Choose a town, county or ZIP to explore its records.
Across New Jersey
For every county, two bars from lenders' own filings. The first is what kind of loan home buyers got; the second is why the applications that were turned down were turned down. Counties with the highest denial rates come first.
Loans made
ConventionalFHAVAUSDA rural
- Cape May569 loans
- Cumberland1,047 loans
- Hudson3,099 loans
- Essex4,221 loans
- Atlantic2,100 loans
- Salem665 loans
- Middlesex5,229 loans
- Passaic2,591 loans
- Mercer2,726 loans
- Bergen5,807 loans
- Warren1,060 loans
- Union3,169 loans
- Monmouth5,441 loans
- Ocean5,453 loans
- Camden4,252 loans
- Gloucester3,141 loans
- Burlington4,319 loans
- Morris4,119 loans
- Sussex1,600 loans
- Somerset2,725 loans
- Hunterdon1,093 loans
Why applications were denied
Debt-to-incomeCreditHome valueOther
- Cape May14% denied
- Cumberland13% denied
- Hudson12% denied
- Essex12% denied
- Atlantic11% denied
- Salem11% denied
- Middlesex11% denied
- Passaic10% denied
- Mercer10% denied
- Bergen9% denied
- Warren9% denied
- Union9% denied
- Monmouth9% denied
- Ocean8% denied
- Camden8% denied
- Gloucester8% denied
- Burlington8% denied
- Morris7% denied
- Sussex6% denied
- Somerset6% denied
- Hunterdon6% denied
The Home Mortgage Disclosure Act data lenders file with the CFPB, 2025: first-lien loans to buy a one- to four-family home to live in. A lender can give up to four reasons for a denial; the shares here are of each denial’s first reason, and “other” gathers the rest, from incomplete applications to collateral and employment history. More visual stories →