New Jersey · Home purchase mortgages

Mortgage approvals in Gloucester County, NJ

Real approval and denial rates for home-purchase mortgages in Gloucester County, built from 33,807 federally reported lender decisions, 2018–2025.

Approval rate
91.9%
31,074 approved
Denial rate
8.1%
2,733 denied
Lender decisions
33,807
2018–2025
Active lenders
15
≥25 decisions
91.9% approved
8.1% denied

Share of 33,807 home-purchase applications that lenders approved vs. denied · 2025: 91.9% approved. Excludes loans withdrawn, left incomplete, or bought on the secondary market.

Approval rate over time

87%89%91%93%95%92%93%92%93%90%91%92%92%20182019202020212022202320242025

By loan type

Conventional93.0% of 21,127FHA90.2% of 10,077VA90.4% of 2,194USDA89.0% of 409

FHA and USDA loans serve lower-down-payment and rural buyers; approval patterns differ by program.

Lenders in Gloucester County

Ranked by volume. Approval rate = originated or approved ÷ (those + denied), home purchases 2018–2025.

LenderApprovalDecisionsDeniedAvg. rate spread
Greentree Mortgage Company, L.p.
Gibbsboro, NJ
98.6%3,25445+0.63 pp
American Neighborhood Mortgage Acceptance Company
Mt. Laurel, NJ
97.2%1,60445+0.78 pp
Nvr Mortgage Finance, Inc.
Pittsburgh, PA
85.5%1,564227+0.34 pp
Crosscountry Mortgage, Llc
Cleveland, OH
97.3%1,55942+0.75 pp
Nation One Mortgage Corporatio
Marlton, NJ
96.5%1,36147+1.16 pp
Nfm, Inc
Linthicum, MD
97.7%1,19428+0.63 pp
Rocket Mortgage
Detroit, MI
85.0%1,035155+0.52 pp
Allied Mortgage Group, Inc
Bala Cynwyd, PA
96.6%87130+0.80 pp
Trident Mortgage Company Lp
Devon, PA
98.1%85016+0.61 pp
Gateway First Bank
Jenks, OK
92.4%79060+0.83 pp
Prosperity Home Mortgage, Llc
Chantilly, VA
95.8%75332+0.41 pp
Finance Of America Mortgage Llc
Horsham, PA
94.3%69840+0.72 pp

Why applications were denied

Debt-to-income ratio37% of denialsCredit history26% of denialsOther16% of denialsCollateral (value/type)15% of denialsInsufficient cash to close12% of denialsIncomplete application10% of denials

Primary reason lenders recorded on denied applications. One denial can cite several.

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Refinance

Refi approval rate
79.5%
25,359 of 31,894
Refi denial rate
20.5%
6,535 denied
Refi decisions
31,894
2018–2025

Best lenders for specific buyers in Gloucester County

Best FHA lendersBest VA lendersBest high-DTI lendersBest low-down-payment lendersBest lower-income lendersBest investment-property lendersBest manufactured-home lenders

Source: CFPB HMDA loan-level snapshot data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in Gloucester County, NJ. Full methodology →