Applications / Mortgage Analytics / Lenders / New Jersey / Nation One Mortgage
Marlton, NJ · Independent non-bank lender · CFPB · 2,104 loans in 2025
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2,104
loans originated, 2025
2,707
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Nation One Mortgage, a New Jersey home-purchase lender, has grown every year since 2022 and is the second-largest lender in Vineland, where it has 15.0% of the market.
Its loans rose 11% to 2,104 in 2025, close to the 9% at similar lenders (independent non-bank lenders making between half and twice as many loans) and the whole market's 10%. It made 1,254 loans in 2022. Purchases were 88.7% of its business.
Loans insured by the Federal Housing Administration (FHA) made up 44.6% of its lending, twice the 22.3% at similar lenders. Loans guaranteed by the Department of Veterans Affairs (VA) were 10.7%, against 6.4%. Conventional loans were only 44.0%, a lower share than at nine in ten peers.
Some 39.1% of its borrowers had low or moderate incomes (LMI), against 28.2% at similar lenders, and 25.7% of its loans went to LMI neighborhoods, against 19.1%. Its typical loan, $275,000, was smaller than peers' $315,000. FHA lending and smaller loans fit that clientele.
Wells Fargo Bank leads Vineland; Nation One is second, but its share eased to 15.0% from 15.7%. In Atlantic City-Hammonton it fell to 1.2% from 1.4%. One possible reason is that its growth went elsewhere: it lends in 14 states and in 2025 entered Houston, Sacramento and Denver.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Nation One Mortgage took 2,707 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.7% · Refinance 11.3% · Other 0.0%
FHA 44.6% · Conventional 44.0% · VA 10.7% · USDA (RHS or FSA) 0.8% · of 2,104 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 | 1,226 | 58.3% |
| South Carolina | 362 | 17.2% |
| Delaware | 166 | 7.9% |
| Virginia | 133 | 6.3% |
| Pennsylvania | 117 | 5.6% |
| North Carolina | 29 | 1.4% |
| Florida | 20 | 1.0% |
| Maryland | 19 | 0.9% |
| Georgia | 14 | 0.7% |
| Massachusetts | 3 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Camden | 473 |
| Vineland | 418 |
| Wilmington | 233 |
| Charleston-North Charleston | 224 |
| Atlantic City-Hammonton | 176 |
| Philadelphia | 80 |
| Lynchburg | 66 |
| Myrtle Beach-Conway-North Myrtle Beach | 52 |
| Columbia | 43 |
| Dover | 30 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006VCMZ998IGOO33 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7474523507 |
Established 2 July 2015. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Nation One Mortgage's data.
Nation One Mortgage's data
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