American Heritage Lending in New Jersey vs the state
6.7%Denial rate-10.98 pts vs state
9.1%Decision denial rate-13.96 pts vs state
49.8%Origination rate-5.84 pts vs state
7.38%Median rate+0.63 pts vs state
1.33Rate spread (pts)+1.05 pts vs state
$260kMedian applicant income
156Loans originated
21Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 127 | 70 | 7.9% | 8.88% | #221 |
| 2024 | 228 | 112 | 12.3% | 7.69% | #181 |
| 2025 | 313 | 156 | 6.7% | 7.38% | #162 |
What American Heritage Lending lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hudson County | 41 | 24 | 2 | 4.9% |
| Essex County | 39 | 21 | 2 | 5.1% |
| Monmouth County | 27 | 12 | 2 | 7.4% |
| Bergen County | 25 | 7 | 4 | 16.0% |
| Morris County | 23 | 12 | 1 | 4.3% |
| Union County | 21 | 10 | 1 | 4.8% |
| Atlantic County | 19 | 10 | 0 | 0.0% |
| Camden County | 16 | 5 | 0 | 0.0% |
| Middlesex County | 16 | 8 | 0 | 0.0% |
| Passaic County | 14 | 5 | 2 | 14.3% |
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: 313 applications in 2025, of which 156 were originated and 21 denied.
6.7% of all applications, or 9.1% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans American Heritage Lending originated in New Jersey in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are American Heritage Lending'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