Bergen County
New Jersey · FIPS 34003
According to CFPB HMDA 2024 application volume among U.S. counties, Bergen County ranks #79 of 3,210, and #2 of 21 in New Jersey.
Mortgage lending activity in Bergen County, New Jersey based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Bergen County, New Jersey saw 28,279 HMDA-reported mortgage applications in 2024. Lenders originated 13,429 of those loans and denied 5,379, producing a denial rate of 19.0% and an approval (origination) rate of 47.5%. The average loan amount was $443,874 at an average note rate of 7.43%, with applicants self-reporting average annual income of $38K. 434 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 11.7x, meaning typical borrowers took on mortgages of about 11.7 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Bergen County
In Bergen County, lead originator Rocket Mortgage funded only 6.1% of 13,429 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 16.8% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Bergen County's 28,279 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Bergen County's $443,874 average loan (deduped against volume peers).
Lenders active in Bergen County
Rocket Mortgage funded 823 of the 13,429 loans originated in Bergen County, 6.1% of the county. 434 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 823 | 6.1% |
| 2 | TD Bank | 787 | 5.9% |
| 3 | United Wholesale Mortgage | 642 | 4.8% |
| 4 | Crosscountry Mortgage, LLC | 601 | 4.5% |
| 5 | Bank of America NA | 559 | 4.2% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Bergen County borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This Bergen County page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.