American Internet Mortgage in New Jersey vs the state
13.4%Denial rate-4.29 pts vs state
26.5%Decision denial rate+3.48 pts vs state
37.1%Origination rate-18.57 pts vs state
6.00%Median rate-0.75 pts vs state
-0.17Rate spread (pts)-0.45 pts vs state
$198kMedian applicant income
36Loans originated
13Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 13 | 6.7% | 6.50% | #400 |
| 2024 | 42 | 16 | 23.8% | 6.63% | #365 |
| 2025 | 97 | 36 | 13.4% | 6.00% | #269 |
What American Internet 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 American Internet Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 12 | 3 | 3 | 25.0% |
| Bergen County | 11 | 5 | 1 | 9.1% |
| Morris County | 10 | 4 | 2 | 20.0% |
| Essex County | 10 | 2 | 2 | 20.0% |
| Somerset County | 9 | 5 | 0 | 0.0% |
| Hudson County | 7 | 4 | 1 | 14.3% |
| Burlington County | 6 | 3 | 0 | 0.0% |
| Monmouth County | 6 | 2 | 0 | 0.0% |
| Union County | 5 | 1 | 1 | 20.0% |
| Ocean County | 4 | 1 | 1 | 25.0% |
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: 97 applications in 2025, of which 36 were originated and 13 denied.
13.4% of all applications, or 26.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans American Internet Mortgage originated in New Jersey in 2025 was 6.00%, against a statewide median of 6.75%.
About this data. Figures are American Internet 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