American Pacific Mortgage in New Jersey vs the state
16.7%Denial rate-1.02 pts vs state
20.0%Decision denial rate-3.05 pts vs state
66.7%Origination rate+10.99 pts vs state
6.56%Median rate-0.19 pts vs state
0.38Rate spread (pts)+0.10 pts vs state
$144kMedian applicant income
20Loans originated
5Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 27 | 10.6% | 6.75% | #339 |
| 2024 | 27 | 18 | 0.0% | 7.13% | #411 |
| 2025 | 30 | 20 | 16.7% | 6.56% | #401 |
What American Pacific 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 Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ocean County | 6 | 4 | 1 | 16.7% |
| Camden County | 5 | 5 | 0 | 0.0% |
| Burlington County | 4 | 2 | 2 | 50.0% |
| Middlesex County | 2 | 0 | 1 | 50.0% |
| Monmouth County | 2 | 2 | 0 | 0.0% |
| Gloucester County | 2 | 2 | 0 | 0.0% |
| Cumberland County | 2 | 1 | 0 | 0.0% |
| Morris County | 1 | 0 | 1 | 100.0% |
| Hunterdon County | 1 | 1 | 0 | 0.0% |
| Bergen County | 1 | 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: 30 applications in 2025, of which 20 were originated and 5 denied.
16.7% of all applications, or 20.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans American Pacific Mortgage originated in New Jersey in 2025 was 6.56%, against a statewide median of 6.75%.
About this data. Figures are American Pacific 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