21st Mortgage in New Jersey vs the state
45.7%Denial rate+27.97 pts vs state
70.8%Decision denial rate+47.76 pts vs state
18.6%Origination rate-37.12 pts vs state
10.23%Median rate+3.48 pts vs state
4.66Rate spread (pts)+4.38 pts vs state
$64kMedian applicant income
139Loans originated
342Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 473 | 51 | 53.1% | 10.35% | #100 |
| 2024 | 732 | 111 | 45.9% | 10.07% | #78 |
| 2025 | 749 | 139 | 45.7% | 10.23% | #83 |
What 21st Mortgage lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monmouth County | 99 | 18 | 48 | 48.5% |
| Gloucester County | 97 | 10 | 45 | 46.4% |
| Ocean County | 86 | 19 | 34 | 39.5% |
| Cumberland County | 80 | 14 | 31 | 38.8% |
| Burlington County | 66 | 8 | 34 | 51.5% |
| Salem County | 56 | 15 | 26 | 46.4% |
| Camden County | 52 | 14 | 27 | 51.9% |
| Cape May County | 50 | 16 | 20 | 40.0% |
| Atlantic County | 48 | 11 | 24 | 50.0% |
| Middlesex County | 47 | 6 | 17 | 36.2% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 749 applications in 2025, of which 139 were originated and 342 denied.
45.7% of all applications, or 70.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans 21st Mortgage originated in New Jersey in 2025 was 10.23%, against a statewide median of 6.75%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology