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2024 data HMDA 2024 disclosure official source

Hudson County

14,135 mortgage applications, 18.0% denial rate. Verify FIPS 34017 with U.S. Census Bureau →

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New Jersey · FIPS 34017

Local mortgage market. Hudson County, New Jersey saw 14,135 HMDA-reported mortgage applications in 2024. Lenders originated 6,271 of those loans and denied 2,548, producing a denial rate of 18.0% and an approval (origination) rate of 44.4%. The average loan amount was $665,344 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.

FIPS 34017 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

14,135
Applications
6,271
Originated
18.0%
Denial Rate
44.4%
Approval Rate
$665,344
Avg Loan Amount
7.13%
Avg Interest Rate
$38K
Avg Applicant Income
17.5x
Loan-to-Income Ratio

Nearby Lenders in Hudson County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# 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%
Compare Loandepot.Com, LLC vs Crosscountry Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in Hudson County?
In the 2024 HMDA reporting year, 14,135 mortgage applications were filed in Hudson County, New Jersey. Of these, 6,271 were originated (approved and funded), while 2,548 were denied, resulting in a denial rate of 18.0%.
What is the mortgage denial rate in Hudson County?
The mortgage denial rate in Hudson County is 18.0%. The approval (origination) rate is 44.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hudson County?
The average mortgage loan amount in Hudson County is $665,344. The average interest rate is 7.126%. The average applicant income is $38K.
What is the loan-to-income ratio in Hudson County?
The average loan-to-income ratio in Hudson County is 17.5x, meaning borrowers took on loans averaging 17.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hudson County?
The top mortgage lenders in Hudson County by origination volume are Loandepot.Com, LLC, Crosscountry Mortgage, LLC, United Wholesale Mortgage. In total, 364 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.