Hudson County
New Jersey · FIPS 34017
According to CFPB HMDA 2024 application volume among U.S. counties, Hudson County ranks #207 of 3,223, and #11 of 21 in New Jersey.
Mortgage lending activity in Hudson 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. Hudson County, New Jersey lenders denied 2,548 of the applications reported here, financing the rest at an average note rate of 7.13%, with applicants self-reporting average annual income of $38K. 364 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 17.5x, meaning typical borrowers took on mortgages of about 17.5 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 Hudson County
In Hudson County, lead originator Loandepot.Com, LLC funded only 9.5% of 6,271 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Hudson County's 14,135 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Hudson County's $665,344 average loan (deduped against volume peers).
Lenders active in Hudson County
Loandepot.Com, LLC funded 598 of the 6,271 loans originated in Hudson County, 9.5% of the county. 364 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Loandepot.Com, LLC | 598 | 9.5% |
| 2 | Crosscountry Mortgage, LLC | 530 | 8.5% |
| 3 | United Wholesale Mortgage | 317 | 5.1% |
| 4 | JPMorgan Chase Bank, NA | 286 | 4.6% |
| 5 | Rocket Mortgage | 277 | 4.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Hudson County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Hudson County borrowers. 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.