Northfield Bank
Northfield Bank received 861 applications in 2025 and made 480 mortgages, in 36 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $205,000. Of 795 decisions, 279 were denials — 35.1%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300BN4MNW5KE16X83 |
|---|---|
| Applications received | 861 |
| Mortgages made | 480 |
| Denied | 279 |
| Approved, not taken up | 36 |
| Withdrawn or incomplete | 66 |
| Loans bought from other lenders | 37 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 68 | Not published | $310,000 | 19.8% |
| Refinancing | 142 | Not published | $255,000 | 22.2% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 268 | Not published | $125,000 | 42.8% |
Where Northfield Bank lends most
The 36 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Richmond County, NY | 125 | Not published | 40.2% |
| Middlesex County, NJ | 55 | Not published | 32.2% |
| Kings County, NY | 36 | Not published | 40.0% |
| Mercer County, NJ | 34 | Not published | 27.5% |
| Monmouth County, NJ | 34 | Not published | 31.4% |
| Union County, NJ | 33 | Not published | 32.7% |
| Hunterdon County, NJ | 25 | Not published | 35.9% |
| Ocean County, NJ | 24 | Not published | 38.1% |
| Morris County, NJ | 20 | Not published | 29.0% |
| Essex County, NJ | 14 | Not published | 21.1% |
| Somerset County, NJ | 13 | Not published | 27.8% |
| Burlington County, NJ | 8 | Under 10 loans | 11.1% |
| Hudson County, NJ | 7 | Under 10 loans | 22.2% |
| Bergen County, NJ | 5 | Under 10 loans | 14.3% |
| Cape May County, NJ | 5 | Under 10 loans | 14.3% |
| Passaic County, NJ | 5 | Under 10 loans | 0.0% |
| Camden County, NJ | 4 | Under 10 loans | 33.3% |
| Westchester County, NY | 4 | Under 10 loans | 42.9% |
| Philadelphia County, PA | 4 | Under 10 loans | 20.0% |
| Sussex County, NJ | 3 | Under 10 loans | 25.0% |
| Warren County, NJ | 3 | Under 10 loans | 40.0% |
| New York County, NY | 3 | Under 10 loans | 25.0% |
| Queens County, NY | 3 | Under 10 loans | 50.0% |
| Bucks County, PA | 3 | Under 10 loans | 57.1% |
| Nassau County, NY | 2 | Under 10 loans | 20.0% |
| Rockland County, NY | 2 | Under 10 loans | 66.7% |
| Suffolk County, NY | 2 | Under 10 loans | 60.0% |
| Bronx County, NY | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 50.0% |
| Northampton County, PA | 1 | Under 10 loans | 50.0% |
| Wayne County, PA | 1 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 0 | Under 10 loans | 100.0% |
| Gloucester County, NJ | 0 | Under 10 loans | 100.0% |
| Sullivan County, NY | 0 | Under 10 loans | 100.0% |
| Luzerne County, PA | 0 | Under 10 loans | 100.0% |
| Monroe County, PA | 0 | Under 10 loans | 100.0% |
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When Northfield Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.