Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Bergen County, New Jersey
Every institution that decided a 1–4 unit mortgage application in Bergen County, home to Hackensack, between 2023 and 2025: 48,685 applications, 35,768 loans actually funded, across 8 kinds of borrowing.
Bergen County at a glance
48,685Applications decided
2023–2025
35,768Loans funded
73% of decisions
203Census tracts
65 ZIP codes
954,717People
ACS 2023
What the data shows
The typical purchase mortgage here is $545K.
Home improvement loans is the hardest money to get here: lenders approved 59% of 9,557 applications.
Lending by loan type in Bergen County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.2% | 21,087 | $545K | 97% | 456 |
| Home improvement loans | 59.4% | 9,557 | $135K | 91% | 153 |
| Cash-out refinance | 67.7% | 6,851 | $205K | 95% | 288 |
| Refinance | 73.7% | 7,031 | $275K | 96% | 304 |
| Investment property purchase | 84.9% | 2,511 | $475K | 95% | 265 |
| Investment cash-out refinance | 74.1% | 848 | $455K | 93% | 152 |
| Investment refinance | 68.9% | 399 | $435K | 92% | 122 |
| Investment home improvement | 59.6% | 401 | $305K | 93% | 65 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.