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2024 data HMDA 2024 disclosure official source

Hunterdon County

5,173 mortgage applications, 15.9% denial rate. Verify FIPS 34019 with U.S. Census Bureau →

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New Jersey · FIPS 34019

Local mortgage market. Hunterdon County, New Jersey saw 5,173 HMDA-reported mortgage applications in 2024. Lenders originated 2,647 of those loans and denied 824, producing a denial rate of 15.9% and an approval (origination) rate of 51.2%. The average loan amount was $335,518 at an average note rate of 7.43%, with applicants self-reporting average annual income of $38K. 286 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 8.8x, meaning typical borrowers took on mortgages of about 8.8 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 34019 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

5,173
Applications
2,647
Originated
15.9%
Denial Rate
51.2%
Approval Rate
$335,518
Avg Loan Amount
7.43%
Avg Interest Rate
$38K
Avg Applicant Income
8.8x
Loan-to-Income Ratio

Nearby Lenders in Hunterdon 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 Pnc Bank N.A. 185 7.0%
2 Rocket Mortgage 159 6.0%
3 United Wholesale Mortgage 119 4.5%
4 TD Bank 112 4.2%
5 Bank of America NA 99 3.7%
Compare Pnc Bank N.A. vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hunterdon County?
In the 2024 HMDA reporting year, 5,173 mortgage applications were filed in Hunterdon County, New Jersey. Of these, 2,647 were originated (approved and funded), while 824 were denied, resulting in a denial rate of 15.9%.
What is the mortgage denial rate in Hunterdon County?
The mortgage denial rate in Hunterdon County is 15.9%. The approval (origination) rate is 51.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hunterdon County?
The average mortgage loan amount in Hunterdon County is $335,518. The average interest rate is 7.433%. The average applicant income is $38K.
What is the loan-to-income ratio in Hunterdon County?
The average loan-to-income ratio in Hunterdon County is 8.8x, meaning borrowers took on loans averaging 8.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hunterdon County?
The top mortgage lenders in Hunterdon County by origination volume are Pnc Bank N.A., Rocket Mortgage, United Wholesale Mortgage. In total, 286 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.