Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Hudson County, New Jersey
Every institution that decided a 1–4 unit mortgage application in Hudson County, home to Jersey City, between 2023 and 2025: 23,888 applications, 17,064 loans actually funded, across 8 kinds of borrowing.
Hudson County at a glance
23,888Applications decided
2023–2025
17,064Loans funded
71% of decisions
183Census tracts
16 ZIP codes
710,478People
ACS 2023
What the data shows
Lenders approved 85.9% of home-purchase applications in Hudson County, 3.1 points below the New Jersey rate.
The typical purchase mortgage here is $545K.
Home improvement loans is the hardest money to get here: lenders approved 44% of 2,536 applications.
Lending by loan type in Hudson County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 85.9% | 12,153 | $545K | 96% | 372 |
| Home improvement loans | 44.5% | 2,536 | $115K | 88% | 114 |
| Cash-out refinance | 56.3% | 2,200 | $275K | 93% | 181 |
| Refinance | 72.8% | 2,124 | $445K | 95% | 209 |
| Investment property purchase | 83.5% | 2,495 | $465K | 94% | 271 |
| Investment cash-out refinance | 72.7% | 1,237 | $525K | 91% | 163 |
| Investment refinance | 77.7% | 714 | $525K | 89% | 148 |
| Investment home improvement | 50.1% | 429 | $185K | 96% | 67 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.