Applications / Mortgage Analytics / Lenders / New Jersey / Glendenning Mortgage
Toms River, NJ · Independent non-bank lender · CFPB · 123 loans in 2025
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123
loans originated, 2025
147
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Glendenning Mortgage, a small New Jersey lender, lends to low- and moderate-income borrowers about twice as often as similar lenders do.
Some 41.8% of its loans in 2025 went to low- and moderate-income (LMI) borrowers, against 19.5% at similar lenders: independent non-bank lenders making between half and twice as many loans. That is higher than more than nine in ten of them. It also lent more in LMI neighborhoods, 30.8% against 17.3%.
Purchases made up 57.7% of its lending and refinances 26.0%. Home-improvement loans were 14.6%, a sizable line for a mortgage company. Most of its loans were conventional, 87.0% against 76.8% at peers.
Only 4.1% of its loans were in majority-minority neighborhoods, against 24.5% at peers. Its lending clusters in a few markets, 20 counties in four states with New Jersey the main one, so the places it serves may explain the gap.
It made 123 loans, down 7%, while similar lenders fell 2% and the whole market grew 10%. In 2020 it made 365. The count dropped in 2022 and has stayed near the same level for four years. Higher rates may account for much of that: its typical rate was 3.00% in 2020 and 6.88% in 2025. Its share in its markets is too small to read much into.
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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Glendenning Mortgage took 147 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.7% · Refinance 26.0% · Home improvement 14.6% · Other 1.6%
Conventional 87.0% · FHA 13.0% · of 123 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 | 105 | 85.4% |
| Florida | 15 | 12.2% |
| Pennsylvania | 2 | 1.6% |
| Delaware | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 94 |
| North Port-Bradenton-Sarasota | 10 |
| Atlantic City-Hammonton | 3 |
| Camden | 3 |
| Tampa | 3 |
| Allentown-Bethlehem-Easton | 2 |
| Newark | 2 |
| New York-Jersey City-White Plains | 2 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZD18AVSD0OG331 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4878850 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7222999585 |
Established 12 September 1989. Reported under HMDA 2013-2025.
Mergers, name changes, data editions and corrections: Glendenning Mortgage's data.
Glendenning Mortgage's data
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