Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Atlantic County, New Jersey
Every institution that decided a 1–4 unit mortgage application in Atlantic County, home to Atlantic City, between 2023 and 2025: 20,595 applications, 15,026 loans actually funded, across 8 kinds of borrowing.
Atlantic County at a glance
20,595Applications decided
2023–2025
15,026Loans funded
73% of decisions
73Census tracts
17 ZIP codes
274,704People
ACS 2023
What the data shows
The typical purchase mortgage here is $265K.
Home improvement loans is the hardest money to get here: lenders approved 55% of 3,180 applications.
Lending by loan type in Atlantic County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 86.9% | 7,801 | $265K | 97% | 318 |
| Home improvement loans | 54.6% | 3,180 | $85K | 93% | 127 |
| Cash-out refinance | 66.5% | 3,398 | $155K | 96% | 193 |
| Refinance | 72.7% | 1,853 | $195K | 93% | 172 |
| Investment property purchase | 88.8% | 2,768 | $275K | 97% | 290 |
| Investment cash-out refinance | 75.5% | 701 | $185K | 94% | 120 |
| Investment refinance | 75.2% | 467 | $275K | 95% | 121 |
| Investment home improvement | 57.4% | 427 | $205K | 94% | 73 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.