Applications / Mortgage Analytics / Lenders / New Jersey / Carnegie Mortgage Partners
Ridgewood, NJ · Non-bank or government lender · CFPB · 57 loans in 2025
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57
loans originated, 2025
110
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carnegie Mortgage Partners, a New Jersey lender to home buyers, more than tripled its loans in 2025 after a thin 2024, but remains below its first year.
It made 82 loans in 2023, its first year of reporting, then 17 in 2024 and 57 in 2025. The 235% rise compares with a 6% fall at similar lenders, meaning non-bank lenders making between half and twice as many loans. Why 2024 was so thin the record does not say.
Purchases made up 94.7% of its loans, and all were conventional. Its typical loan was $465,000, larger than at about two-thirds of similar lenders, whose typical loan was $340,000.
Borrowers with low or moderate incomes took 11.8% of its loans, against 28.6% at similar lenders. Its larger loans suggest buyers of pricier homes, which could explain much of the gap. Majority-minority neighborhoods took 35.1% of its loans, close to the 31.5% at similar lenders.
It lends in two states and seven metros. Around New York, where JPMorgan Chase Bank leads, it ranks 343 of 802. It entered Philadelphia and Atlantic City in 2025.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Carnegie Mortgage Partners took 110 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 94.7% · Refinance 5.3%
Conventional 100.0% · of 57 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Jersey | 54 | 94.7% |
| Pennsylvania | 3 | 5.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 34 |
| Newark | 11 |
| Camden | 5 |
| Lakewood-New Brunswick | 3 |
| Allentown-Bethlehem-Easton | 2 |
| Atlantic City-Hammonton | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LE8FCN6UKPSQ83 | 2023–2025 |
Established 20 October 2021. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Carnegie Mortgage Partners's data.
Carnegie Mortgage Partners's data
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Carnegie Mortgage Partners and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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