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MortRadarTERMINAL
State markets/New Jersey/Bergen County

COUNTY MORTGAGE MARKET · FIPS 34003

Bergen County, New Jersey

Who lends in Bergen County, how much, and to whom — built from HMDA public mortgage disclosure data, U.S. Census ACS housing estimates and FEMA's National Risk Index.

Origination volume · 2025

$8.76B

Origination volumeSum of loan amount over HMDA records with action taken = 1.

Originations · 2025

15,516

OriginationsCount of HMDA records with action taken = 1 (loan originated) in the activity year.

Denial rate · 2025

18.0%

Denial rateApplications denied (action taken = 3) divided by applications acted upon (actions 1-5).

Lenders active · 2025

501

Lenders activeDistinct LEIs with at least one application acted upon (HMDA action taken 1-5, 7 or 8) in the county and year.

Market structure

How spread out lending is across the 501 lenders that originated in Bergen County in 2025. HHI is the Herfindahl-Hirschman index over lender shares.

Concentration (HHI)

180

unconcentrated

Top-5 lender share

21.6%

of originations

Purchase

57.6%

6,818 loans

Refinance

42.4%

5,015 loans

Origination trend

Annual mortgage origination volume and loan count in Bergen County, 2023–2025. Pick a window, export the graph or its data, or click a year to open every record behind it.

Lenders in Bergen County

Sort, filter, add columns, export, or open a row for the lender's card. Each row links to the lender's company page and to its Bergen County loan records. The panel states which source answered and exactly which lenders that source covers.

ORIGINATION FLOOR
Hide the long tail of lenders with only a handful of loans here.
FULL RECORD LIST FOR BERGEN COUNTY →

TOP TEN LENDERS IN BERGEN COUNTY · 10

The ten largest lenders by origination volume — the precomputed county leaderboard, not the whole market.

1–10 OF 10 LENDERS

Loading every lender that acted on an application in this county. The rows below are the precomputed county leaderboard — the ten largest by volume, not the whole market.

979$419.8M$419.8M originated in Bergen County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
515$411.0M$411.0M originated in Bergen County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
660$370.8M$370.8M originated in Bergen County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
854$352.3M$352.3M originated in Bergen County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
619$340.4M$340.4M originated in Bergen County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
730$280.6M$280.6M originated in Bergen County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
728$272.2M$272.2M originated in Bergen County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
395$233.0M$233.0M originated in Bergen County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
197$219.6M$219.6M originated in Bergen County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—
382$210.1M$210.1M originated in Bergen County, 2025—Share needs a county-wide denominator, which the narrower fallback source does not carry.—

Source: the precomputed county lender leaderboard (lender_county_year) — its ten largest lenders by origination volume, not the county. As of HMDA activity year 2025. Denial rate = denials / decisioned applications (originated + approved-but-not-accepted + denied).

ZIP areas in Bergen County

All 66 ZIP Code Tabulation Areas that touch Bergen County, built by grouping the county's census tracts through the Census 2020 crosswalk. A ZCTA approximates a USPS ZIP code; HMDA itself reports no postal geography, so each row opens the tracts behind it, where the records are exact.

TRACT FLOOR
Hide the ZIP areas that only clip a corner of this county.
66 OF 66 ZIP AREASEVERY ZIP AREA TOUCHING THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
1212 of the 13 Bergen County tracts this ZIP area touches sit mostly inside it.46,03076.0%6,583——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 8 Bergen County tracts this ZIP area touches sit mostly inside it.41,24659.2%10,090——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
1010 of the 10 Bergen County tracts this ZIP area touches sit mostly inside it.40,19161.5%10,102——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
88 of the 8 Bergen County tracts this ZIP area touches sit mostly inside it.34,92733.3%9,236——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
77 of the 7 Bergen County tracts this ZIP area touches sit mostly inside it.32,65549.8%5,187——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Bergen County tracts this ZIP area touches sit mostly inside it.29,30871.0%5,879——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 8 Bergen County tracts this ZIP area touches sit mostly inside it.28,26167.2%6,145——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 5 Bergen County tracts this ZIP area touches sit mostly inside it.27,07928.8%7,248——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Bergen County tracts this ZIP area touches sit mostly inside it.26,69841.7%6,886——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 6 Bergen County tracts this ZIP area touches sit mostly inside it.26,20660.3%3,524——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Bergen County tracts this ZIP area touches sit mostly inside it.25,97931.5%6,828——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
66 of the 7 Bergen County tracts this ZIP area touches sit mostly inside it.25,69356.5%5,324——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
55 of the 6 Bergen County tracts this ZIP area touches sit mostly inside it.25,48726.1%7,720——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Bergen County tracts this ZIP area touches sit mostly inside it.22,51940.5%5,227——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Bergen County tracts this ZIP area touches sit mostly inside it.21,42249.0%3,703——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Bergen County tracts this ZIP area touches sit mostly inside it.20,29285.7%2,729——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Bergen County tracts this ZIP area touches sit mostly inside it.18,83440.3%4,100——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.17,92345.0%4,850——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 4 Bergen County tracts this ZIP area touches sit mostly inside it.16,92347.8%3,805——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
44 of the 5 Bergen County tracts this ZIP area touches sit mostly inside it.16,58517.0%5,258——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.16,45743.8%3,072——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.15,40943.4%3,673——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.15,02576.6%1,844——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 4 Bergen County tracts this ZIP area touches sit mostly inside it.14,79820.9%4,710——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.14,33658.6%2,383——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.14,29433.2%3,373——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.13,22466.1%2,390——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.12,74818.7%3,767——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.12,13325.5%3,335——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Bergen County tracts this ZIP area touches sit mostly inside it.12,12538.4%2,878——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.12,04944.8%3,128——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.11,86830.2%1,911——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.11,72526.1%3,376——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.11,50162.8%1,800——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.11,07921.0%3,429——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.10,98763.5%1,601——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.10,22439.5%2,306——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.10,14322.5%3,055——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
33 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.10,08049.0%2,574——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.10,05823.4%3,042——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.10,02249.8%1,425——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 4 Bergen County tracts this ZIP area touches sit mostly inside it.9,30465.0%2,130——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.9,28518.3%3,215——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.9,15542.1%2,357——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.8,88321.5%2,728——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.8,77870.2%2,092——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.8,59447.7%2,183——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.8,43628.1%2,532——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.8,24428.6%2,351——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.7,29026.9%2,281——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.7,01418.0%1,869——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
22 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.6,84823.2%1,714——TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.
11 of the 2 Bergen County tracts this ZIP area touches sit mostly inside it.6,37239.5%1,535——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.6,12819.1%1,724——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.5,81444.0%1,686——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.5,64143.3%1,625——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.5,34258.8%1,632——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.5,16841.2%1,540——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.4,98141.0%1,401——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.4,74131.8%1,689——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.4,25818.4%1,354——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.3,34327.7%1,042——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.3,13355.6%589——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 3 Bergen County tracts this ZIP area touches sit mostly inside it.2,67560.6%383——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
11 of the 1 Bergen County tract this ZIP area touches sit mostly inside it.1,76246.1%455——OPEN →This ZIP area is one census tract here, so its records open directly and exactly.
0This ZIP area clips 3 tracts of Bergen County but is the dominant ZIP for none of them, so it owns no figures here.—————TRACTS →HMDA reports no ZIP. This opens the ZIP area's tract list, where each tract's records open exactly.

203 of Bergen County’s 203 census tracts are grouped into the ZIP areas above, with none left over. The two add up to the county exactly, because each tract is counted once. A ZCTA — ZIP Code Tabulation Area — is the U.S. Census Bureau's area approximation of a USPS ZIP code, not the ZIP code itself. HMDA reports no postal geography at all, so these rows are census tracts grouped by the Census 2020 tract-to-ZCTA relationship file: each tract is counted once, in the single ZCTA covering the most of its land. Housing figures are HMDA tract attributes for activity year 2025, summed over the tracts each ZIP area owns — a ZIP area that owns no tract shows an em-dash, never a zero.

Census tracts in Bergen County

All 203 tracts, with the FFIEC income character and HMDA housing attributes of each. Open a tract for its own lender ranking, or open its records directly.

203 OF 203 TRACTSEVERY TRACT IN THE COUNTY — NO ROWS WITHHELD
TOP LENDERRECORDS
Upper205.2%3,36324.8%OPEN →
Upper219.7%3,48521.6%OPEN →
Upper191.3%1,76246.1%OPEN →
Upper134.6%5,16841.2%OPEN →
Upper183.0%5,64143.3%OPEN →
Upper128.7%5,33770.0%OPEN →
Upper132.2%4,82975.8%OPEN →
Upper150.9%7,04573.5%OPEN →
Upper177.7%2,98340.3%OPEN →
Upper177.3%3,89745.9%OPEN →
Moderate72.3%4,17082.2%OPEN →
Middle117.8%3,52869.9%OPEN →
Middle108.5%5,25070.4%OPEN →
Upper142.7%6,37239.5%OPEN →
Middle102.6%4,15354.2%OPEN →
Middle95.8%3,27854.0%OPEN →
Middle96.8%4,76956.7%OPEN →
Upper145.7%4,71043.2%OPEN →
Moderate72.8%4,59773.3%OPEN →
Middle115.3%4,18656.9%OPEN →
Upper179.9%3,92047.8%OPEN →
Upper195.8%4,67447.6%OPEN →
Upper195.3%4,77041.7%OPEN →
Upper169.0%4,38542.4%OPEN →
Upper198.1%4,98141.0%OPEN →
Upper233.7%3,34327.7%OPEN →
Upper141.4%6,33544.3%OPEN →
Upper134.8%4,13147.4%OPEN →
Upper139.3%7,45744.3%OPEN →
Middle119.6%4,83259.3%OPEN →
Moderate68.0%5,02352.8%OPEN →
Middle111.2%4,97946.5%OPEN →
Middle105.3%6,58840.4%OPEN →
Middle108.4%6,32652.5%OPEN →
Upper142.9%3,69645.3%OPEN →
Upper155.9%6,55453.9%OPEN →
Upper208.2%4,23160.9%OPEN →
Upper194.6%3,55164.5%OPEN →
Upper164.2%7,29026.9%OPEN →
Upper240.7%2,50624.3%OPEN →
Middle112.6%6,25582.0%OPEN →
Moderate73.7%6,25796.6%OPEN →
Moderate76.5%4,81983.4%OPEN →
Middle91.3%3,28274.0%OPEN →
Upper180.3%6,18941.7%OPEN →
Upper202.3%5,34258.8%OPEN →
Upper213.6%5,37521.9%OPEN →
Upper239.1%2,19023.9%OPEN →
Upper157.6%6,70139.1%OPEN →
Upper180.0%3,28037.9%OPEN →
Upper203.7%3,05930.8%OPEN →
Upper192.3%5,86130.7%OPEN →
Upper136.8%4,57537.8%OPEN →
Upper148.1%3,88641.0%OPEN →
—0.0%5,02380.3%OPEN →
Moderate68.8%2,95978.8%OPEN →
Moderate72.8%7,04373.0%OPEN →
Upper129.7%3,02265.8%OPEN →
Middle111.6%4,12171.7%OPEN →
Upper120.5%4,09971.5%OPEN →
Middle113.9%3,95968.5%OPEN →
Middle115.0%3,26958.1%OPEN →
Middle115.4%3,84763.4%OPEN →
Middle107.0%5,76467.6%OPEN →
Upper160.7%2,78359.6%OPEN →
Upper202.7%6,99544.0%OPEN →
Upper199.3%2,33249.2%OPEN →
Upper210.8%4,32921.0%OPEN →
Upper286.9%6,75021.0%OPEN →
Middle86.4%4,43738.0%OPEN →
Middle95.7%2,66438.7%OPEN →
Middle108.5%5,93541.1%OPEN →
Moderate69.1%4,84147.2%OPEN →
Middle88.5%4,88348.5%OPEN →
Moderate76.8%5,25363.5%OPEN →
Moderate66.4%4,64267.0%OPEN →
Upper224.4%4,22022.4%OPEN →
Upper244.4%7,91327.2%OPEN →
Middle81.3%4,02682.1%OPEN →
Upper121.7%3,92770.4%OPEN →
Middle115.6%3,25772.5%OPEN →
Upper172.8%2,93257.8%OPEN →
Middle86.9%2,81760.6%OPEN →
Upper132.6%2,20759.5%OPEN →
Middle89.2%3,63574.6%OPEN →
Upper127.3%6,09981.7%OPEN →
Moderate79.1%3,73989.8%OPEN →
Moderate76.5%4,64973.5%OPEN →
Middle87.0%3,40578.4%OPEN →
Moderate57.7%5,33788.0%OPEN →
Upper209.3%5,88837.6%OPEN →
Upper191.6%4,74131.8%OPEN →
Middle113.0%6,22745.1%OPEN →
Upper161.9%5,89831.3%OPEN →
Upper219.9%4,56221.2%OPEN →
Upper189.7%5,58123.5%OPEN →
Upper274.1%4,25818.4%OPEN →
Middle113.7%5,35069.4%OPEN →
Upper193.1%3,95459.1%OPEN →
Middle83.1%4,23370.3%OPEN →
Middle114.9%6,75459.2%OPEN →
Moderate73.2%5,64060.1%OPEN →
Middle86.9%4,67963.8%OPEN →
Middle92.1%3,44758.1%OPEN →
Moderate73.4%4,65861.3%OPEN →
Middle90.0%3,49563.2%OPEN →
Upper123.0%4,28754.9%OPEN →
Upper141.0%6,65246.0%OPEN →
Upper123.8%4,73139.8%OPEN →
Middle113.8%5,41536.6%OPEN →
Middle112.3%5,72138.6%OPEN →
Upper176.9%5,88617.9%OPEN →
Middle98.1%4,72423.8%OPEN →
Upper130.1%4,26937.1%OPEN →
Upper192.4%5,53724.0%OPEN →
Upper145.4%5,07130.7%OPEN →
Upper133.9%3,85142.2%OPEN →
Upper145.6%2,62844.5%OPEN →
Upper149.8%3,60159.5%OPEN →
Upper176.3%2,80721.3%OPEN →
Upper161.8%4,20715.8%OPEN →
Upper183.8%8,43628.1%OPEN →
Upper238.0%6,12819.1%OPEN →
Middle110.3%2,67560.6%OPEN →
Middle94.5%3,13355.6%OPEN →
Upper171.6%5,50141.2%OPEN →
Upper168.2%4,18048.6%OPEN →
Upper161.0%3,92842.7%OPEN →
Middle84.5%3,31463.9%OPEN →
Middle115.3%5,83740.1%OPEN →
Middle92.3%4,47553.2%OPEN →
Upper133.5%6,14540.6%OPEN →
Upper131.2%4,11022.7%OPEN →
Upper199.3%5,74216.2%OPEN →
Upper177.2%2,89617.8%OPEN →
Upper240.7%3,57522.6%OPEN →
Upper191.1%4,66933.1%OPEN →
Middle92.5%5,66889.5%OPEN →
Middle116.9%4,59788.0%OPEN →
Middle87.3%5,38084.3%OPEN →
Upper122.5%4,64780.5%OPEN →
Upper136.2%3,15540.1%OPEN →
Upper173.4%4,69839.9%OPEN →
Upper182.4%4,41036.2%OPEN →
Upper183.6%5,10840.4%OPEN →
Upper162.3%4,56140.3%OPEN →
Upper146.8%4,76652.5%OPEN →
Upper216.1%4,15818.5%OPEN →
Upper195.2%4,72524.2%OPEN →
Upper211.9%6,03016.5%OPEN →
Upper232.5%3,74119.3%OPEN →
Upper157.2%5,02727.3%OPEN →
Middle111.6%4,51659.1%OPEN →
Upper135.2%3,99661.3%OPEN →
Upper129.0%2,98970.4%OPEN →
Upper131.8%4,21565.2%OPEN →
Upper134.0%4,39063.6%OPEN →
Middle95.3%4,61969.4%OPEN →
Upper207.0%6,13535.3%OPEN →
Upper292.4%4,48126.5%OPEN →
Upper292.4%3,28724.4%OPEN →
Upper217.3%5,15834.5%OPEN →
Upper274.4%6,91832.7%OPEN →
Upper137.5%4,35559.1%OPEN →
Upper227.3%7,69436.8%OPEN →
Upper235.6%4,62419.5%OPEN →
Upper181.2%5,28523.7%OPEN →
Upper147.8%5,81444.0%OPEN →
Upper153.7%6,41642.4%OPEN →
Upper158.8%2,66531.8%OPEN →
Middle106.0%4,76446.0%OPEN →
Upper148.0%4,98936.8%OPEN →
Upper138.3%7,87328.6%OPEN →
Upper142.6%6,42138.7%OPEN →
Upper258.2%3,37224.4%OPEN →
Upper247.6%4,77026.8%OPEN →
Upper233.7%3,58326.6%OPEN →
Upper154.3%4,24796.4%OPEN →
Upper159.0%4,03363.4%OPEN →
Upper137.1%4,93172.3%OPEN →
Upper242.0%7,21616.7%OPEN →
Upper144.6%7,21761.5%OPEN →
Upper220.5%4,87946.8%OPEN →
Upper121.8%3,41975.6%OPEN →
Upper177.5%5,30469.2%OPEN →
Upper292.4%7,27536.0%OPEN →
Upper240.0%4,07843.2%OPEN →
Upper180.9%4,05657.0%OPEN →
Upper168.3%4,75422.8%OPEN →
Upper159.8%5,30424.0%OPEN →
Middle86.1%4,10838.1%OPEN →
Middle101.2%4,27122.2%OPEN →
Middle94.8%3,48930.6%OPEN →
Upper166.9%3,77720.1%OPEN →
Upper190.4%5,50817.1%OPEN →
Upper174.9%5,22237.1%OPEN →
Upper166.0%6,06024.5%OPEN →
Upper138.7%3,88937.0%OPEN →
Upper181.9%6,33541.1%OPEN →
Upper247.7%4,45616.7%OPEN →
Upper224.3%3,40613.0%OPEN →
Upper292.4%3,64220.5%OPEN →
Upper201.6%5,08117.4%OPEN →

Source: FFIEC census-tract file (income level, MSA, urban/rural) and HMDA tract attributes (population, minority share, housing units), latest loaded activity year. The whole county is listed — the table is filtered and paged in the browser over the complete set, never a server-side slice of it.

Housing & households

U.S. Census American Community Survey 2024 estimates — the demand side behind the lending figures above.

Population

962,316

Median household income

$124,884

Median home value

$623,000

Median gross rent

$1,914

per month

Owner-occupied

65.3%

of occupied units

Housing units

369,613

3.9% vacant

Poverty rate

6.8%

Unemployment

5.8%

Natural-hazard exposure

FEMA National Risk Index ratings for this county — expected annual loss, social vulnerability and community resilience, plus the individual perils rated Relatively High or above.

Overall risk

Relatively High

score 97.8

Social vulnerability

Relatively Low

Community resilience

Relatively High

ELEVATED PERILS

Inland flooding Relatively High · Coastal flooding Very High · Tornado Relatively High · Strong wind Very High · Heat wave Relatively High · Winter weather Very High

Federal disaster history

Months in which a FEMA disaster declaration was active in this county, from the declarations series.

Months with an active declaration

83

Declarations recorded

32

Incident types on record: Biological, Drought, Fire, Flood, Hurricane, Other, Severe Storm, Snowstorm.

Everything we hold on Bergen County

12 data areas have rows for this county. Each one is one click away below; the 18 we checked and did not find at county grain are named at the end with the reason.

LOAN-LEVEL

The individual HMDA application and origination records behind every figure on this page, pre-filtered to Bergen County.

HMDA loan-level (hmda_loan_wide, county_code)

Open the loan explorer for Bergen County →Every reported application and origination in FIPS 34003, filterable on rate, amount, income, purpose and action taken. Loan-level tier.

VA

VA-guaranteed lending in Bergen County by fiscal year — the veteran channel, which HMDA counts but does not separate from the rest of the government book at this grain.

VA Loan Guaranty geographic loan volume (va_geo_loan_volume, county_fips), folded to fiscal year

VA loans · FY2026

219

—

Purchase share

41.6%

91 loans

IRRRL refinances

88

Cash-out refinances

40

2026219—918840
2025203—1124645
2024142—1011625
2023132—111120
2022——1558379
2021750—185454111
2020615—16236786
2019262—1356166
2018304—17725102
2017352—1768492
2016341—15611075
2015308—1527977

The most recent fiscal year is partial until VA closes it. This file carries no lender key, so VA volume cannot be attributed to a company.

BUILDING PERMITS

New residential units authorised in Bergen County — the supply-side leading indicator that runs ahead of purchase originations.

Census Building Permits Survey county series (census_building_permits, geo_id at geo_level 'county')

HOUSING SUPPLY · CENSUS BUILDING PERMITS

Bergen County building permits

New privately-owned housing units authorized by building permits — the supply-side leading indicator that runs ahead of housing starts and the purchase-origination pipeline. Single-family (SF, 1-unit) vs. multifamily (MF, 2+ units), by year.

Single-family · 2025

1,405

−3.1% vs 2024

Multifamily · 2025

1,565

−16.7% vs 2024

Total authorized · 2025

2,970

−10.8% vs 2024

Permit valuation · 2025

$545.3M

authorized construction value

Units authorized by year

Bergen County · total permitted units · hover for the single-family split

UNITS · SF IN TOOLTIP
01.3K2.5K3.8K5K19901992199419961998200020022004200620082010201220142016201820202022202420252,970 units

Source: U.S. Census Bureau Building Permits Survey (BPS), imputed totals (the published “units authorized” headline). SF = 1-unit; MF = 2+ units. Public no-login Census data. Attribution.

MIGRATION & WEALTH

IRS county-to-county migration flows for Bergen County, showing population movement and wealth transfer.

IRS county-to-county migration flows (irs_county_migration, self_geoid)

inflow2223Hudson County, NJ3,8936,721$500.5M
inflow2223Passaic County, NJ2,8124,930$193.8M
outflow2223Passaic County, NJ2,6594,509$194.3M
outflow2223Hudson County, NJ2,4383,312$222.1M
inflow2223New York County, NY1,8043,133$366.4M
outflow2223New York County, NY1,6352,078$245.9M
inflow2223Queens County, NY1,4212,637$149.8M
outflow2223Essex County, NJ1,2261,980$109.7M
outflow2223Other flows - South, DS1,2102,143$114.3M
inflow2223Essex County, NJ1,2051,989$109.0M
outflow2223Morris County, NJ1,0761,909$107.5M
inflow2223Bronx County, NY1,0341,991$67.2M
inflow2223Kings County, NY9211,619$121.8M
inflow2223Other flows - South, DS8801,418$66.9M
inflow2223Rockland County, NY7571,286$104.9M
outflow2223Queens County, NY583854$42.3M
outflow2223Kings County, NY571759$48.4M
inflow2223Morris County, NJ568880$59.7M
outflow2223Ocean County, NJ552852$70.0M
outflow2223Middlesex County, NJ551995$71.8M
outflow2223Other flows - Northeast, DS533828$49.0M
inflow2223Other flows - Northeast, DS517796$53.7M
outflow2223Foreign - Overseas, FR441830$70.7M
inflow2223Middlesex County, NJ429680$40.5M
outflow2223Union County, NJ424671$42.7M
outflow2223Other flows - West, DS418642$42.8M
outflow2223Palm Beach County, FL416730$195.5M
outflow2223Other flows - Midwest, DS415725$42.2M
inflow2223Westchester County, NY412716$54.8M
inflow2223Union County, NJ402638$36.0M
outflow2223Bronx County, NY376622$20.6M
outflow2223Monmouth County, NJ370600$63.3M
outflow2223Rockland County, NY369577$38.4M
outflow2223Sussex County, NJ343623$28.8M
inflow2223Other flows - Midwest, DS323522$38.7M
outflow2223Los Angeles County, CA300424$53.2M
outflow2223Westchester County, NY299489$37.9M
outflow2223Miami-Dade County, FL286479$86.9M
inflow2223Other flows - West, DS275426$30.8M
inflow2223Nassau County, NY272459$45.5M
inflow2223Ocean County, NJ257367$20.9M
outflow2223Somerset County, NJ245435$31.4M
inflow2223Orange County, NY231373$22.5M
outflow2223Broward County, FL227383$49.9M
inflow2223Monmouth County, NJ210306$25.1M
outflow2223Philadelphia County, PA202232$14.6M
outflow2223Orange County, NY187320$16.0M
outflow2223Suffolk County, MA174190$12.2M
inflow2223Foreign - Overseas, FR170359$23.9M
outflow2223Nassau County, NY167301$33.9M
inflow2223Los Angeles County, CA167251$22.9M
inflow2223Suffolk County, NY159259$25.5M
inflow2223Palm Beach County, FL151218$21.0M
inflow2223Richmond County, NY146245$16.9M
outflow2223Middlesex County, MA143189$16.4M
inflow2223Miami-Dade County, FL143241$17.2M
inflow2223Sussex County, NJ142200$11.8M
inflow2223Somerset County, NJ140214$17.4M
outflow2223Hillsborough County, FL140254$12.7M
outflow2223Suffolk County, NY132187$18.0M
outflow2223Cook County, IL131183$11.8M
outflow2223Western Connecticut Planning Regi, CT130209$27.6M
outflow2223Orange County, FL128220$19.3M
outflow2223Warren County, NJ128229$8.6M
outflow2223Lee County, FL111173$11.3M
outflow2223Mercer County, NJ111204$16.0M
inflow2223Broward County, FL109193$14.7M
outflow2223Mecklenburg County, NC108199$14.7M
outflow2223Harris County, TX106195$13.3M
outflow2223Burlington County, NJ104162$8.3M
inflow2223Western Connecticut Planning Regi, CT102191$21.2M
outflow2223Wake County, NC101193$11.3M
inflow2223Philadelphia County, PA99146$11.0M
outflow2223Camden County, NJ99179$6.6M
outflow2223Maricopa County, AZ95157$11.4M
outflow2223King County, WA93125$12.3M
outflow2223San Diego County, CA93155$10.8M
outflow2223District of Columbia, DC93101$5.9M
outflow2223Pinellas County, FL91160$11.2M
inflow2223Cook County, IL91162$17.3M
outflow2223Orange County, CA86168$11.4M
outflow2223Fairfax County, VA86141$9.7M
outflow2223Collier County, FL83147$14.3M
inflow2223Middlesex County, MA82135$12.3M
inflow2223Suffolk County, MA82111$13.5M
outflow2223San Francisco County, CA7984$10.4M
inflow2223Mercer County, NJ77126$8.3M
outflow2223Sarasota County, FL77147$12.9M
outflow2223Santa Clara County, CA77108$9.7M
outflow2223Travis County, TX76107$11.4M
outflow2223Monroe County, PA75148$5.4M
outflow2223Osceola County, FL75142$5.6M
outflow2223Collin County, TX75176$14.1M
outflow2223Clark County, NV74117$7.9M
outflow2223Montgomery County, MD70110$6.2M
inflow2223San Diego County, CA70116$9.0M
outflow2223Hunterdon County, NJ69120$9.3M
outflow2223Dallas County, TX67121$8.7M
outflow2223Capitol Planning Region, CT67119$8.6M
outflow2223Montgomery County, PA66106$6.1M
inflow2223Santa Clara County, CA66130$16.0M
inflow2223Harris County, TX65119$5.3M
outflow2223Gwinnett County, GA65125$4.2M
outflow2223South Central Connecticut Plannin, CT6590$5.2M
outflow2223Northampton County, PA64119$6.1M
outflow2223Pasco County, FL64135$6.5M
outflow2223Norfolk County, MA6284$4.5M
outflow2223Horry County, SC6298$5.8M
outflow2223Duval County, FL61102$5.5M
outflow2223Richmond County, NY6098$4.2M
outflow2223Lehigh County, PA60101$4.8M
inflow2223Fairfax County, VA5987$5.3M
outflow2223New Castle County, DE5991$6.0M
outflow2223Manatee County, FL59102$9.2M
inflow2223Montgomery County, PA5899$6.6M
outflow2223Foreign - Other flows, FR5796$3.1M
outflow2223Polk County, FL57100$4.2M
outflow2223Fulton County, GA5587$6.3M
inflow2223Burlington County, NJ5477$4.8M
inflow2223Montgomery County, MD5384$7.1M
outflow2223Arlington County, VA5363$4.5M
inflow2223Camden County, NJ5385$6.1M
inflow2223Orange County, CA5289$6.2M
outflow2223St. Johns County, FL51122$13.7M
inflow2223King County, WA5181$11.4M
inflow2223Warren County, NJ5176$3.7M
outflow2223Atlantic County, NJ5176$4.3M
outflow2223Pike County, PA5091$3.9M
inflow2223Maricopa County, AZ4982$4.3M
outflow2223Luzerne County, PA4899$2.5M
inflow2223Monroe County, PA4880$2.8M
outflow2223Sussex County, DE4685$6.8M
inflow2223San Francisco County, CA4657$10.6M
outflow2223Bucks County, PA4681$6.2M
outflow2223Charleston County, SC4665$6.1M
inflow2223Orange County, FL4590$3.3M
outflow2223Dutchess County, NY4574$3.5M
outflow2223Denver County, CO4448$5.0M
outflow2223Denton County, TX44112$6.1M
inflow2223Foreign - Other flows, FR4280$2.1M
outflow2223St. Lucie County, FL4271$4.5M
outflow2223Providence County, RI4158$2.7M
outflow2223Seminole County, FL4066$3.6M
outflow2223Allegheny County, PA3965$3.2M
inflow2223Hillsborough County, FL3971$3.1M
outflow2223Davidson County, TN3947$4.1M
inflow2223Travis County, TX3857$3.1M
outflow2223Tarrant County, TX3861$3.8M
inflow2223Pike County, PA3756$2.7M
inflow2223Alameda County, CA3654$5.1M
inflow2223Lehigh County, PA3651$2.9M
inflow2223Dallas County, TX3657$3.4M
outflow2223Franklin County, OH3650$2.1M
inflow2223Dutchess County, NY3644$3.0M
inflow2223District of Columbia, DC3548$5.0M
outflow2223Chester County, PA3566$3.1M
outflow2223Alameda County, CA3555$4.0M
outflow2223Essex County, MA3547$3.0M
outflow2223Baltimore city, MD3441$2.1M
outflow2223Brunswick County, NC3462$4.4M
inflow2223Wake County, NC3454$3.8M
inflow2223Mecklenburg County, NC3357$5.9M
outflow2223Beaufort County, SC3363$9.7M
outflow2223Greater Bridgeport Planning Regio, CT3364$4.7M
outflow2223Brevard County, FL3269$3.7M
outflow2223Marion County, FL3258$1.9M
outflow2223Volusia County, FL3249$2.2M
inflow2223Lee County, FL3243$2.8M
inflow2223Pinellas County, FL3239$1.7M
inflow2223Gwinnett County, GA3247$1.7M
inflow2223Atlantic County, NJ3242$3.3M
outflow2223Greenville County, SC3162$2.4M
inflow2223Capitol Planning Region, CT3144$4.6M
outflow2223Sullivan County, NY3150$2.5M
outflow2223Gloucester County, NJ3048$2.2M
inflow2223Denver County, CO3038$3.2M
inflow2223Norfolk County, MA3063$4.4M
inflow2223Clark County, NV3044$2.0M
outflow2223Flagler County, FL2965$4.5M
outflow2223Cobb County, GA2960$2.9M
outflow2223Ulster County, NY2946$3.0M
inflow2223New Castle County, DE2942$3.6M
outflow2223Riverside County, CA2945$2.0M
inflow2223Sarasota County, FL2839$5.7M
inflow2223South Central Connecticut Plannin, CT2841$1.9M
outflow2223Williamson County, TX2861$4.1M
outflow2223Monroe County, NY2840$1.7M
inflow2223Fulton County, GA2848$3.4M
inflow2223Seminole County, FL2747$2.0M
inflow2223Hunterdon County, NJ2733$2.9M
inflow2223Erie County, NY2746$4.7M
inflow2223Providence County, RI2750$2.2M
inflow2223Collin County, TX2760$2.8M
inflow2223Arlington County, VA2635$3.5M
outflow2223Fort Bend County, TX2674$3.0M
outflow2223Baltimore County, MD2632$2.3M
inflow2223San Mateo County, CA2652$7.3M
inflow2223Cuyahoga County, OH2651$3.5M
outflow2223Loudoun County, VA2547$3.0M
inflow2223Allegheny County, PA2547$2.4M

UAD APPRAISALS

FHFA Uniform Appraisal Dataset aggregates for Bergen County.

FHFA UAD aggregate statistics (uad_aggregate_county, geoid) and appraisal-level public use file (uad_puf, county_fips)

2023PurchaseNo CharacteristicAll Appraisals4,159.0
2023PurchaseNo CharacteristicAll Appraisals0.4
2023RefinanceNo CharacteristicAll Appraisals1,274.0
2023PurchaseNo CharacteristicAll Appraisals1.0
2023BothNo CharacteristicAll Appraisals5,433.0
2023PurchaseNo CharacteristicAll Appraisals0.5
2023PurchaseNo CharacteristicAll Appraisals1.0
2023RefinanceNo CharacteristicAll Appraisals700,000.0
2023BothNo CharacteristicAll Appraisals700,000.0
2023PurchaseNo CharacteristicAll Appraisals695,000.0
2023PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals1.0
2022BothNo CharacteristicAll Appraisals670,000.0
2022PurchaseNo CharacteristicAll Appraisals0.4
2022PurchaseNo CharacteristicAll Appraisals675,000.0
2022PurchaseNo CharacteristicAll Appraisals1.0
2022RefinanceNo CharacteristicAll Appraisals2,747.0
2022PurchaseNo CharacteristicAll Appraisals0.1
2022PurchaseNo CharacteristicAll Appraisals0.5
2022RefinanceNo CharacteristicAll Appraisals655,000.0
2022BothNo CharacteristicAll Appraisals8,622.0
2022PurchaseNo CharacteristicAll Appraisals5,875.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021RefinanceNo CharacteristicAll Appraisals625,000.0
2021BothNo CharacteristicAll Appraisals16,996.0
2021PurchaseNo CharacteristicAll Appraisals1.0
2021PurchaseNo CharacteristicAll Appraisals7,641.0
2021PurchaseNo CharacteristicAll Appraisals0.4
2021RefinanceNo CharacteristicAll Appraisals9,355.0
2021PurchaseNo CharacteristicAll Appraisals0.1
2021BothNo CharacteristicAll Appraisals625,000.0
2021PurchaseNo CharacteristicAll Appraisals0.5
2021PurchaseNo CharacteristicAll Appraisals625,000.0
2020PurchaseNo CharacteristicAll Appraisals0.1
2020PurchaseNo CharacteristicAll Appraisals1.0
2020BothNo CharacteristicAll Appraisals18,425.0
2020PurchaseNo CharacteristicAll Appraisals7,082.0
2020PurchaseNo CharacteristicAll Appraisals0.5
2020BothNo CharacteristicAll Appraisals580,000.0
2020RefinanceNo CharacteristicAll Appraisals590,000.0
2020RefinanceNo CharacteristicAll Appraisals11,343.0
2020PurchaseNo CharacteristicAll Appraisals570,000.0
2020PurchaseNo CharacteristicAll Appraisals1.0
2020PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals0.1
2019PurchaseNo CharacteristicAll Appraisals1.0
2019BothNo CharacteristicAll Appraisals540,000.0
2019PurchaseNo CharacteristicAll Appraisals6,132.0
2019PurchaseNo CharacteristicAll Appraisals0.4
2019PurchaseNo CharacteristicAll Appraisals1.0
2019RefinanceNo CharacteristicAll Appraisals570,000.0
2019BothNo CharacteristicAll Appraisals12,663.0
2019RefinanceNo CharacteristicAll Appraisals6,531.0
2019PurchaseNo CharacteristicAll Appraisals515,500.0
2019PurchaseNo CharacteristicAll Appraisals0.6
2018RefinanceNo CharacteristicAll Appraisals540,000.0
2018BothNo CharacteristicAll Appraisals9,005.0
2018PurchaseNo CharacteristicAll Appraisals5,743.0
2018RefinanceNo CharacteristicAll Appraisals3,262.0
2018BothNo CharacteristicAll Appraisals525,000.0
2018PurchaseNo CharacteristicAll Appraisals515,000.0
2018PurchaseNo CharacteristicAll Appraisals0.6
2018PurchaseNo CharacteristicAll Appraisals0.1
2018PurchaseNo CharacteristicAll Appraisals0.4
2018PurchaseNo CharacteristicAll Appraisals1.0
2018PurchaseNo CharacteristicAll Appraisals1.0
2017RefinanceNo CharacteristicAll Appraisals500,000.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals1.0
2017PurchaseNo CharacteristicAll Appraisals0.3
2017PurchaseNo CharacteristicAll Appraisals0.1
2017BothNo CharacteristicAll Appraisals10,069.0
2017PurchaseNo CharacteristicAll Appraisals5,646.0
2017PurchaseNo CharacteristicAll Appraisals500,000.0
2017RefinanceNo CharacteristicAll Appraisals4,423.0
2017PurchaseNo CharacteristicAll Appraisals0.6
2017BothNo CharacteristicAll Appraisals500,000.0
2016PurchaseNo CharacteristicAll Appraisals5,299.0
2016RefinanceNo CharacteristicAll Appraisals510,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals480,000.0
2016PurchaseNo CharacteristicAll Appraisals0.6
2016PurchaseNo CharacteristicAll Appraisals0.1
2016BothNo CharacteristicAll Appraisals498,000.0
2016PurchaseNo CharacteristicAll Appraisals1.0
2016PurchaseNo CharacteristicAll Appraisals0.4
2016BothNo CharacteristicAll Appraisals13,058.0
2016RefinanceNo CharacteristicAll Appraisals7,759.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2015PurchaseNo CharacteristicAll Appraisals461,000.0
2015PurchaseNo CharacteristicAll Appraisals0.4
2015RefinanceNo CharacteristicAll Appraisals500,000.0
2015BothNo CharacteristicAll Appraisals10,916.0
2015RefinanceNo CharacteristicAll Appraisals6,111.0
2015PurchaseNo CharacteristicAll Appraisals0.1
2015PurchaseNo CharacteristicAll Appraisals0.6
2015PurchaseNo CharacteristicAll Appraisals4,805.0
2015BothNo CharacteristicAll Appraisals483,000.0
2015PurchaseNo CharacteristicAll Appraisals1.0
2014BothNo CharacteristicAll Appraisals458,000.0

ECONOMY & INCOME

Local economy indicators — BLS unemployment rates and BEA personal income for Bergen County.

BLS Local Area Unemployment Statistics (bls_laus_county_month, geoid) and BEA personal income (bea_county_income, geo_fips)

BLS Local Area Unemployment

2026-05541,381522,25219,1293.5%
2026-04538,702520,76117,9413.3%
2026-03540,440519,85220,5883.8%
2026-02538,040514,16923,8714.4%
2026-01535,131514,42920,7023.9%
2025-12538,675519,26919,4063.6%
2025-11539,301518,44220,8593.9%
2025-09533,676507,82325,8534.8%
2025-08539,145512,78226,3634.9%
2025-07541,754514,77726,9775.0%
2025-06535,808511,46724,3414.5%
2025-05532,959510,73422,2254.2%
2025-04537,735516,73720,9983.9%
2025-03543,850521,03322,8174.2%
2025-02542,378519,19523,1834.3%
2025-01538,073516,03922,0344.1%
2024-12540,182521,06319,1193.5%
2024-11539,945520,36519,5803.6%
2024-10540,990521,20819,7823.7%
2024-09534,370515,18919,1813.6%
2024-08543,638520,37823,2604.3%
2024-07547,889523,13724,7524.5%
2024-06541,163519,11722,0464.1%
2024-05536,423516,89619,5273.6%
2024-04540,165522,21317,9523.3%
2024-03543,190522,77120,4193.8%
2024-02539,521518,52220,9993.9%
2024-01533,656513,45820,1983.8%
2023-12536,134517,96618,1683.4%
2023-11537,195518,84118,3543.4%
2023-10535,880515,90719,9733.7%
2023-09530,768510,45120,3173.8%
2023-08538,773516,14722,6264.2%
2023-07541,265519,09822,1674.1%
2023-06536,380515,27221,1083.9%
2023-05532,958514,14518,8133.5%
2023-04535,163519,36715,7963.0%
2023-03539,755521,46518,2903.4%
2023-02538,140518,90419,2363.6%
2023-01531,445513,49317,9523.4%
2022-12531,974517,06614,9082.8%
2022-11530,384515,48314,9012.8%
2022-10531,100516,45514,6452.8%
2022-09522,689509,24613,4432.6%
2022-08527,991512,07615,9153.0%
2022-07527,944510,26917,6753.3%
2022-06522,049504,48217,5673.4%
2022-05516,174499,48516,6893.2%
2022-04516,355498,84517,5103.4%
2022-03517,682497,18620,4964.0%
2022-02513,589490,73622,8534.4%
2022-01507,915483,16224,7534.9%
2021-12507,095484,29822,7974.5%
2021-11506,090482,33523,7554.7%
2021-10504,395478,88425,5115.1%
2021-09497,686469,33428,3525.7%
2021-08503,466470,92632,5406.5%
2021-07508,704473,44135,2636.9%
2021-06503,283467,40135,8827.1%
2021-05497,151465,49631,6556.4%
2021-04500,705468,07532,6306.5%
2021-03503,865469,05234,8136.9%
2021-02502,610466,33636,2747.2%
2021-01497,336461,04736,2897.3%
2020-12486,477454,14932,3286.6%
2020-11487,220454,19433,0266.8%
2020-10484,742452,66732,0756.6%
2020-09472,709437,48135,2287.5%
2020-08506,265439,49766,76813.2%
2020-07502,516426,60275,91415.1%
2020-06493,348421,46071,88814.6%
2020-05480,374405,75174,62315.5%
2020-04473,969406,96067,00914.1%
2020-03514,328493,83320,4954.0%
2020-02519,433501,66517,7683.4%
2020-01514,893497,29317,6003.4%
2019-12514,451500,05414,3972.8%
2019-11512,549498,63213,9172.7%
2019-10512,003497,94414,0592.7%
2019-09504,503490,64313,8602.7%
2019-08505,181489,63015,5513.1%
2019-07508,194491,72316,4713.2%
2019-06500,970487,51213,4582.7%
2019-05497,237485,06212,1752.4%
2019-04497,128486,10611,0222.2%
2019-03501,252487,15514,0972.8%
2019-02501,175485,38415,7913.2%
2019-01495,033478,80316,2303.3%
2018-12497,202483,84813,3542.7%
2018-11494,891482,64812,2432.5%
2018-10494,894481,33013,5642.7%
2018-09486,752472,04814,7043.0%
2018-08490,295473,21517,0803.5%
2018-07498,224478,79719,4273.9%
2018-06493,935475,70318,2323.7%
2018-05489,490473,93215,5583.2%
2018-04490,001474,51415,4873.2%
2018-03492,998475,26317,7353.6%
2018-02492,930473,90619,0243.9%
2018-01485,977467,57318,4043.8%

BEA Personal Income

2024$103.94B978,641$106K
2023$98.71B966,484$102K
2022$91.97B957,235$96K
2021$90.55B955,510$95K
2020$84.18B953,711$88K
2019$82.92B954,514$87K
2018$78.82B952,751$83K
2017$74.67B949,897$79K
2016$72.05B943,424$76K
2015$70.45B939,112$75K
2014$67.17B933,701$72K
2013$64.95B927,843$70K
2012$65.28B921,715$71K
2011$62.40B915,029$68K
2010$59.47B906,892$66K
2009$57.50B900,319$64K
2008$59.66B895,328$67K
2007$58.91B890,817$66K
2006$55.19B889,406$62K
2005$50.72B891,446$57K
2004$49.19B893,378$55K
2003$45.97B892,214$52K
2002$46.25B890,647$52K
2001$46.19B888,782$52K
2000$45.92B885,180$52K
1999$41.66B880,225$47K
1998$40.25B875,050$46K
1997$38.09B868,897$44K
1996$35.58B862,048$41K
1995$33.46B855,242$39K
1994$31.43B848,392$37K
1993$29.96B843,198$36K
1992$29.31B837,520$35K
1991——$33K

NFIP FLOOD CLAIMS

FEMA National Flood Insurance Program (NFIP) realised flood loss claims in Bergen County.

FEMA NFIP redacted claims (nfip_claim, county_code)

2026-03-13$0——No
2026-03-06$0——Yes
2026-02-20$157.79$157.79$0Yes
2025-11-04$0$0$0Yes
2025-08-11$0$0$0Yes
2025-07-15$2K$2K$0Yes
2025-07-14$31K$31K$202.45Yes
2025-07-14$5K$4K$575.62Yes
2025-07-14$11K$11K$0Yes
2025-07-14$22K$22K$0Yes
2025-07-14$500K$0$500KNo
2025-07-14$104K$104K$0No
2025-07-14$0$0$0Yes
2025-07-14$37K$37K$0Yes
2025-07-14$22K$21K$625.98No
2025-07-14$4K$4K$0Yes
2025-07-14$7K$0$7KNo
2025-07-14$26K$26K$0Yes
2025-07-14$25K$20K$6KYes
2025-07-14$904.15$0$904.15No
2025-07-14$82K$73K$8KYes
2025-07-14$16K$14K$2KYes
2025-07-14$8K$7K$1KNo
2025-07-14$0——No
2025-03-03$0——Yes
2025-01-01$0——Yes
2024-11-28$0——Yes
2024-11-19$0——No
2024-10-10$0$0$0Yes
2024-08-20$2K$2K$0No
2024-08-18$144K$144K$0No
2024-08-18$2K$2K$0No
2024-08-18$8K$0$8KNo
2024-08-18$9K$9K$0No
2024-08-18$28K$28K$0Yes
2024-08-18$0$0$0No
2024-08-18$102K$71K$32KNo
2024-08-18$14K$14K$0Yes
2024-08-18$9K$9K$0Yes
2024-08-18$2K$2K$0Yes
2024-08-18$500K$0$500KNo
2024-08-18$65K$0$65KNo
2024-08-18$29K$29K$0No
2024-08-18$53K$53K$0No
2024-08-10$0——Yes
2024-08-09$0$0$0Yes
2024-08-08$205K$205K$0No
2024-08-08$3K$3K$0No
2024-08-08$288K$288K$0No
2024-08-07$1K$0$1KNo
2024-08-07$53K$53K$0Yes
2024-08-07$53K$53K$0No
2024-08-06$2K$2K$0Yes
2024-08-06$17K$16K$291.26Yes
2024-08-06$80K$75K$4KYes
2024-08-06$171K$171K$0No
2024-08-06$6K$6K$0Yes
2024-08-06$23K$23K$0No
2024-08-06$26K$26K$0Yes
2024-08-06$3K$3K$0Yes
2024-08-06$10K$10K$0Yes
2024-08-06$685K$185K$500KNo
2024-08-06$30K$29K$1KYes
2024-08-06$152K$152K$0No
2024-08-06$32K$24K$7KYes
2024-08-06$6K$6K$0Yes
2024-08-06$55K$55K$0Yes
2024-08-06$5K$5K$94.4No
2024-08-06$2K$2K$54.9Yes
2024-08-06$78K$78K$0Yes
2024-08-06$2K$2K$0Yes
2024-08-06$25K$25K$0Yes
2024-08-06$0$0$0No
2024-08-06$55K$55K$0Yes
2024-08-06$170K$134K$35KYes
2024-08-06$35K$35K$0Yes
2024-08-06$15K$15K$520.82Yes
2024-08-06$104K$41K$63KNo
2024-08-06$64K$29K$35KYes
2024-08-06$315K$38K$277KNo
2024-08-06$20K$20K$0Yes
2024-08-06$7K$7K$0Yes
2024-08-06$144K$142K$2KYes
2024-08-06$278K$278K$0No
2024-08-06$4K$0$4KNo
2024-08-06$5K$0$5KNo
2024-08-06$14K$14K$0Yes
2024-08-06$139K$139K$0Yes
2024-08-06$89K$81K$8KYes
2024-08-06$102K$102K$0No
2024-08-06$14K$10K$4KYes
2024-08-06$5K$5K$0Yes
2024-08-06$0$0$0Yes
2024-08-03$10K$10K$0Yes
2024-08-03$9K$9K$0Yes
2024-08-03$2K$2K$0Yes
2024-08-03$11K$10K$1KNo
2024-08-03$145K$139K$7KNo
2024-07-29$10K$10K$642Yes
2024-07-26$0$0$0No

ALSO CHECKED

18 more data areas were checked for Bergen County and did not earn a tab. A missing tab and an unasked question look the same on screen, so each one is named with the reason it is missing.

  • WRONG GRAIN
    FHA

    FHA Neighborhood Watch DOES publish county rows, but keys them on a free-text county NAME (“CHITTENDEN|VT”), not a FIPS code, and the single-family endorsement snapshot's property_county is likewise free text. Joining either to a county FIPS by name would attribute one county's delinquency to another wherever a name repeats, so FHA is a state-grain tab only until a curated name→FIPS crosswalk exists

  • WRONG GRAIN
    Fannie / Freddie

    the FHFA public-use database publishes single-family acquisitions at STATE and CENSUS-TRACT grain; no county rollup is published or loaded, and rolling tracts up to counties would double-count the tracts that straddle a county line

  • WRONG GRAIN
    GSE credit-risk transfer

    CAS and STACR loan-level disclosures publish PROPERTY STATE and a 3-digit zip; neither carries a county code, so credit-risk-transfer collateral cannot be attributed to a county

  • WRONG GRAIN
    Ginnie Mae

    Ginnie Mae's loan-level disclosure publishes PROPERTY STATE and nothing finer — there is no county, ZIP or tract field in the file, so agency-pool collateral has no county grain at all. The same is true of the UMBS pool file (fhfa_mbs_pool), which carries only CA/NY/FL/TX/PR concentration percentages

  • WRONG GRAIN
    Housing finance agency

    a housing finance agency is a STATE-chartered body — county is not a grain it has. Its programmes reach counties, but the agency itself is one row per state: hfa_agency is keyed on state_code and carries no county column, and there is no county-level agency underneath it to aggregate from

  • WRONG GRAIN
    CUSO network

    the NCUA CUSO Registry publishes a CUSO's city and STATE and no county at all (cuso_registry, migration 0195). A county FIPS does exist on the member-credit-union side (cuso_credit_union_link.cu_county_fips), but it is the CREDIT UNION'S CHARTER ADDRESS — where the institution is registered, not where the mortgage service it buys is delivered — so a county tab built on it would pin a statewide, often multi-state, service relationship onto the one county a charter document happens to name

  • WRONG GRAIN
    Subservicing map

    the same absence, one grain finer: subservicing_relationships holds no property or collateral column at all, so there is nothing to aggregate to a county. Where a client is a state HFA, the state housing finance agency area on this hub carries that agency and its named master servicer at its own state grain

  • WRONG GRAIN
    Co-issue MSR

    the same absence, and worse at county grain: Ginnie's loan-level disclosure publishes property STATE and nothing finer — no county, ZIP or tract field exists in the file — so even the collateral split that is rejected above at state grain is not available here at all

  • WRONG GRAIN
    MSR transfer graph

    the same absence at a finer grain, with no additional route to one: ginnie_servicing_transfers has no county column and the Ginnie loan-level disclosure it would have to be joined to publishes property state and nothing finer — no county, ZIP or tract field exists in either file

  • WRONG GRAIN
    Builder & realtor JV

    the same absence, one grain finer: the affiliation corpus has no geographic column at all, so nothing can be aggregated to a county. The affiliate lender's actual county-level originations are on the HMDA area of the county hub, keyed on the lender rather than on its parent

  • WRONG GRAIN
    Non-QM deal calendar

    the same structural gap, one grain finer: a 144A non-QM deal publishes no asset-level file at all, so there is no loan, no property and therefore no county to attribute anything to. This is the one absence on this hub that no future load can close

  • WRONG GRAIN
    Agency-MBS demand

    the same absence, and Ginnie's disclosure has no county field at any grain, so even the collateral allocation that is rejected above at state grain cannot be computed here

  • WRONG GRAIN
    Complaints-rate stack

    the same broken denominator, plus a numerator that does not reach county either: the CFPB publishes a complaint's state and a partially redacted ZIP and no county, so neither half of this ratio exists at county grain

  • WRONG GRAIN
    NMLS licensing

    NMLS licences are issued by a STATE regulator and the industry report is published by state agency and quarter; there is no county in the licensing system to aggregate to

  • WRONG GRAIN
    CFPB complaints

    the CFPB publishes a complaint's STATE and a partially redacted ZIP; it publishes no county, and deriving one from a redacted ZIP would put complaints in the wrong county wherever a ZIP straddles a county line

  • WRONG GRAIN
    State enforcement

    enforcement orders are issued by a STATE regulator against a licensee; they carry no property or county

  • WRONG GRAIN
    WARN notices

    a WARN notice names an employer, a CITY and a region — no county code — and matching city to county by name is ambiguous in most states

  • WRONG GRAIN
    Mortgage employment

    the QCEW extract loaded here holds STATE and METRO area types only — the county-level QCEW file is a separate, far larger download that is not loaded, so county mortgage employment cannot be shown honestly

Several of the areas above are published only at state grain. They are all on the NJ state hub, which carries the same registry at the grain those sources actually have.

Go deeper

EVERY HMDA RECORD IN BERGEN COUNTY →Opens the loan explorer already filtered to county FIPS 34003.

See the New Jersey state market profile for the statewide picture, the New Jersey state hub for every dataset we hold on the state in one place, or the national lender leaderboard for who is largest across every market.

Sources: HMDA public loan-level disclosure (CFPB/FFIEC) aggregated to county-year; U.S. Census Bureau American Community Survey; FEMA National Risk Index and disaster declarations. Figures are as loaded — see data attribution.

Fair-lending context: denial rates and demographic figures shown here are descriptive statistics derived from public HMDA and U.S. Census data. HMDA does not contain the credit, income, or underwriting variables that explain most lending outcomes, so a difference between lenders or areas is a statistical observation about published data — not evidence of, and not a determination of, discrimination or redlining by any institution.