Affinity in New Jersey vs the state
25.9%Denial rate+8.25 pts vs state
30.0%Decision denial rate+6.95 pts vs state
58.9%Origination rate+3.22 pts vs state
4.90%Median rate-1.85 pts vs state
-2.28Rate spread (pts)-2.56 pts vs state
$156kMedian applicant income
1,476Loans originated
650Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,529 | 738 | 33.1% | 8.25% | #39 |
| 2024 | 1,656 | 813 | 34.5% | 8.50% | #41 |
| 2025 | 2,506 | 1,476 | 25.9% | 4.90% | #30 |
What Affinity lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 420 | 223 | 135 | 32.1% |
| Somerset County | 409 | 267 | 88 | 21.5% |
| Morris County | 306 | 206 | 46 | 15.0% |
| Union County | 236 | 126 | 65 | 27.5% |
| Monmouth County | 199 | 129 | 52 | 26.1% |
| Hunterdon County | 189 | 134 | 30 | 15.9% |
| Bergen County | 173 | 94 | 54 | 31.2% |
| Essex County | 142 | 61 | 58 | 40.8% |
| Ocean County | 91 | 53 | 25 | 27.5% |
| Mercer County | 78 | 49 | 17 | 21.8% |
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: 2,506 applications in 2025, of which 1,476 were originated and 650 denied.
25.9% of all applications, or 30.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Affinity originated in New Jersey in 2025 was 4.90%, against a statewide median of 6.75%.
About this data. Figures are Affinity'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