Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Cumberland County, New Jersey
Every institution that decided a 1–4 unit mortgage application in Cumberland County, home to Vineland, between 2023 and 2025: 9,435 applications, 6,817 loans actually funded, across 8 kinds of borrowing.
Cumberland County at a glance
9,435Applications decided
2023–2025
6,817Loans funded
72% of decisions
41Census tracts
9 ZIP codes
152,915People
ACS 2023
What the data shows
Lenders approved 85.1% of home-purchase applications in Cumberland County, 3.8 points below the New Jersey rate.
The typical purchase mortgage here is $235K.
Home improvement loans is the hardest money to get here: lenders approved 52% of 1,168 applications.
Lending by loan type in Cumberland County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 85.1% | 4,386 | $235K | 96% | 231 |
| Home improvement loans | 52.0% | 1,168 | $55K | 93% | 86 |
| Cash-out refinance | 63.8% | 1,668 | $165K | 95% | 131 |
| Refinance | 70.9% | 875 | $195K | 93% | 119 |
| Investment property purchase | 88.0% | 667 | $165K | 96% | 99 |
| Investment cash-out refinance | 83.5% | 460 | $165K | 95% | 70 |
| Investment refinance | 79.5% | 132 | $175K | 93% | 48 |
| Investment home improvement | 59.5% | 79 | $155K | 96% | 26 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.