Axos Bank in New Jersey vs the state
16.3%Denial rate-1.36 pts vs state
29.6%Decision denial rate+6.58 pts vs state
38.8%Origination rate-16.90 pts vs state
6.88%Median rate+0.13 pts vs state
0.30Rate spread (pts)+0.02 pts vs state
$289kMedian applicant income
19Loans originated
8Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 51 | 12 | 23.5% | 7.00% | #332 |
| 2024 | 54 | 19 | 16.7% | 7.13% | #330 |
| 2025 | 49 | 19 | 16.3% | 6.88% | #356 |
What Axos Bank lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Axos Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monmouth County | 15 | 10 | 2 | 13.3% |
| Cape May County | 5 | 2 | 2 | 40.0% |
| Camden County | 4 | 1 | 1 | 25.0% |
| Union County | 3 | 1 | 0 | 0.0% |
| Essex County | 3 | 1 | 0 | 0.0% |
| Bergen County | 3 | 1 | 1 | 33.3% |
| Middlesex County | 3 | 0 | 0 | 0.0% |
| Sussex County | 2 | 1 | 0 | 0.0% |
| Ocean County | 2 | 1 | 0 | 0.0% |
| Gloucester County | 2 | 0 | 1 | 50.0% |
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: 49 applications in 2025, of which 19 were originated and 8 denied.
16.3% of all applications, or 29.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Axos Bank originated in New Jersey in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Axos 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