Lender in New Jersey · HMDA 2025
Wells Fargo Bank, N.A. mortgages in New Jersey
Wells Fargo Bank, N.A.'s 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Wells Fargo Bank, N.A. originated 1,399 owner-occupied single-family loans in New Jersey from 1,723 completed applications, making it the state's #13 lender by volume.
Its median conventional purchase loan costs were $6,850 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.375% (New Jersey: 6.625%).
Loans in NJ
1,399
of 1,723 applications
Denial rate
14.1%
Purchase · NJ 8.4%
Rate spread
−0.20 pts
Conv. · NJ +0.12 pts
Loan amount
$525,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,034 | 885 | 14.1% | 6.375% | −0.20 pts | $6,850 | $525,000 |
| Refinance | 175 | 135 | 22.9% | 6.250% | −0.13 pts | $4,960 | $415,000 |
| Cash-out refinance | 514 | 379 | 26.1% | 6.750% | +0.18 pts | $4,320 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Wells Fargo Bank, N.A. ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bergen County | 8 | 174 | 2.1% |
| Ocean County | 10 | 160 | 1.9% |
| Union County | 11 | 92 | 2.0% |
| Essex County | 12 | 104 | 1.7% |
| Morris County | 12 | 103 | 1.7% |
| Monmouth County | 13 | 133 | 1.7% |
| Somerset County | 13 | 68 | 1.7% |
| Mercer County | 14 | 65 | 1.7% |
| Hunterdon County | 14 | 26 | 1.6% |
| Hudson County | 15 | 53 | 1.3% |
| Cape May County | 15 | 18 | 1.9% |
| Middlesex County | 16 | 98 | 1.2% |
| Atlantic County | 17 | 41 | 1.4% |
| Sussex County | 19 | 26 | 1.1% |
| Warren County | 19 | 16 | 1.1% |
| Passaic County | 21 | 39 | 1.0% |
- Wells Fargo Bank, N.A. nationwide
- New Jersey mortgage market
- Wells Fargo Bank, N.A. in California
- Wells Fargo Bank, N.A. in New York
- Wells Fargo Bank, N.A. in Texas
- Wells Fargo Bank, N.A. in Florida
- Wells Fargo Bank, N.A. in North Carolina
- Wells Fargo Bank, N.A. in Pennsylvania
- Wells Fargo Bank, N.A. in Washington
- Wells Fargo Bank, N.A. in Minnesota
- Wells Fargo Bank, N.A. in Georgia
- Wells Fargo Bank, N.A. in Virginia
- Wells Fargo Bank, N.A. in Arizona
- Wells Fargo Bank, N.A. in South Carolina
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology