Finance Atlas

Banking & Mortgage-Lending Access in New Jersey

655 FDIC-insured institutions (50 currently active) are recorded in New Jersey in FDIC BankFind. HMDA 2024 data report an overall mortgage application denial rate of 27.2% in New Jersey.

FDIC data as of 2026 · HMDA data year 2024 · Last export: June 20, 2026

655
FDIC institutions (total)
50
Currently active
27.2%
Overall denial rate (HMDA 2024)
156,392
Loans originated (2024)
This page is a reference catalog of provenanced public data. It informs and compares; it does not recommend lenders and gives no financial advice. HMDA denial-rate figures are reported statistics and do not establish why rates differ across applicant groups. To verify a lender's FDIC status, use FDIC BankFind. To file a complaint, visit the CFPB. To find a HUD-approved housing counselor: HUD.gov.

How many FDIC-insured institutions are in New Jersey?

FDIC BankFind records 655 FDIC-insured institutions (all historical) in New Jersey, of which 50 are currently active. Counts include banks, savings banks, and other insured depository institutions across all charter classes.

Metric Count
Total FDIC-insured institutions (historical) 655
Currently active 50

Source: FDIC BankFind (src:fdic:bankfind:2026). Verify: https://banks.data.fdic.gov/

What types of banks are chartered in New Jersey?

FDIC uses charter class codes to categorize insured depository institutions. The breakdown for New Jersey:

Charter class Description Count
NM State non-member bank (Fed non-member) 187
N National bank (OCC-chartered) 179
SL Savings institution (state-chartered S&L) 122
SB Savings bank (state-chartered) 71
SI Savings institution (OTS-supervised) 55
SM State member bank (Fed member) 35
NC Non-deposit trust company 5
NS Non-member savings bank (state-chartered) 1

Source: FDIC BankFind (src:fdic:bankfind:2026). Charter class labels per FDIC BankFind official definitions.

What was the mortgage application denial rate in New Jersey? (HMDA 2024)

HMDA 2024 data report an overall mortgage application denial rate of 27.2% in New Jersey. The table below shows reported denial rates by applicant race where available in the HMDA dataset.

Methodology note: HMDA captures race where the applicant chose to report it. Denial rates reflect all recorded denial reasons (credit history, DTI, collateral, etc.) and do not establish why rates differ across groups. These figures are descriptive FFIEC statistics, not findings of lending discrimination.
Applicant group (reported) Denial rate
Overall 27.2%
White applicants 24.3%
Black applicants 38.3%
Black/White denial rate ratio 1.58x

Source: FFIEC HMDA (src:ffiec:hmda:2024). Verify: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=NJ

Mortgage origination volume in New Jersey (2024)

HMDA 2024 data record 156,392 originated mortgage loans in New Jersey , totaling $60.6B , with an average loan size of $387,198.

Metric Value
Originated loans (2024) 156,392
Total origination volume $60.6B
Average loan size $387,198

Source: FFIEC HMDA (src:ffiec:hmda:2024).

Sources & provenance

FDIC data — source id src:fdic:bankfind:2026, as of 2026. Verify via FDIC BankFind: https://banks.data.fdic.gov/

HMDA data — source id src:ffiec:hmda:2024, data year 2024. Verify via FFIEC Data Browser: https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=NJ

Data exported June 20, 2026 · content hash 131b8d425555a0cb · machine-readable brief: /finance/states/nj/context.md

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