ABL RPC Residential Credit Acquisition in New Jersey vs the state
14.4%Denial rate-3.28 pts vs state
14.9%Decision denial rate-8.11 pts vs state
77.1%Origination rate+21.38 pts vs state
10.25%Median rate+3.50 pts vs state
—Rate spread (pts)
—Median applicant income
262Loans originated
49Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 323 | 255 | 5.6% | 12.25% | #126 |
| 2024 | 311 | 255 | 8.7% | 11.13% | #144 |
| 2025 | 340 | 262 | 14.4% | 10.25% | #149 |
What ABL RPC Residential Credit Acquisition lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most ABL RPC Residential Credit Acquisition applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 82 | 63 | 11 | 13.4% |
| Hudson County | 43 | 37 | 3 | 7.0% |
| Bergen County | 32 | 29 | 2 | 6.3% |
| Union County | 23 | 22 | 0 | 0.0% |
| Ocean County | 22 | 12 | 9 | 40.9% |
| Passaic County | 22 | 16 | 4 | 18.2% |
| Camden County | 22 | 11 | 5 | 22.7% |
| Morris County | 17 | 16 | 1 | 5.9% |
| Middlesex County | 15 | 10 | 5 | 33.3% |
| Monmouth County | 11 | 6 | 3 | 27.3% |
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: 340 applications in 2025, of which 262 were originated and 49 denied.
14.4% of all applications, or 14.9% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans ABL RPC Residential Credit Acquisition originated in New Jersey in 2025 was 10.25%, against a statewide median of 6.75%.
About this data. Figures are ABL RPC Residential Credit Acquisition'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