Which lenders actually approve borrowers like you?
Every mortgage lender must report each application to the federal government — who was approved, who was denied, and why. The Mortgage Record turns 829,794 New Jersey home-purchase decisions (2018–2025) into answers you can’t get anywhere else. No lender money. No ads. Just the record.
The approval tool
Enter income, county, loan size, DTI and down payment. Get a shortlist of lenders active where you are, ranked by how often they actually approve — with denial reasons and pricing.
Open the tool →Am I being overcharged?
See which lenders charged borrowers like you above or below the market — on both rate and closing-cost fees. The true cost, in dollars, from the federal record. The question every lender avoids.
Check pricing →Calculators worth your time
NJ transaction taxes (current 2025 law), the attorney-review deadline, recast vs. refinance, PMI-removal timeline, ARM stress test, and a rent-vs-buy with real NJ county tax rates.
See calculators →Lender report cards
Look up any New Jersey lender — Rocket, Wells Fargo, your local credit union — and see its real approval rate, denial reasons, pricing, and who it actually approves. 370 lenders, from the federal record.
Browse lenders → Compare head-to-head → Best lenders for FHA, VA, low-down & high-DTI buyers →The State of New Jersey Mortgage Lending →
Our full report: 829,794 decisions, who gets denied, the racial gap, and what it costs.
Where New Jersey buyers get turned down most
Highest home-purchase denial rates, 2018–2025: Cumberland (13.7%), Essex (13.1%), Salem (12.4%). See all 21 counties →
And the gaps that don’t show up on a rate sheet: New Jersey mortgage disparities by race & ethnicity →
Reporter or researcher? Download our analyzed datasets (free, CC BY) →
Find your county
The Mortgage Record is independent research from federal HMDA data — not a lender, broker, or lead generator. How we built this →