Amboy Bank in New Jersey vs the state
15.6%Denial rate-2.10 pts vs state
16.6%Decision denial rate-6.43 pts vs state
75.8%Origination rate+20.10 pts vs state
—Median rate
—Rate spread (pts)
$109kMedian applicant income
316Loans originated
65Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 399 | 297 | 15.5% | — | #112 |
| 2024 | 423 | 300 | 17.3% | — | #114 |
| 2025 | 417 | 316 | 15.6% | — | #136 |
What Amboy Bank lends in New Jersey
By loan purpose
By loan type
Where in New Jersey
Counties with the most Amboy Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 196 | 149 | 32 | 16.3% |
| Monmouth County | 112 | 86 | 14 | 12.5% |
| Ocean County | 63 | 46 | 10 | 15.9% |
| Union County | 13 | 8 | 4 | 30.8% |
| Somerset County | 11 | 7 | 4 | 36.4% |
| Mercer County | 4 | 4 | 0 | 0.0% |
| Morris County | 3 | 3 | 0 | 0.0% |
| Bergen County | 3 | 3 | 0 | 0.0% |
| Burlington County | 3 | 3 | 0 | 0.0% |
| Essex County | 2 | 1 | 0 | 0.0% |
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: 417 applications in 2025, of which 316 were originated and 65 denied.
15.6% of all applications, or 16.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Amboy Bank'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