BayCoast Bank in New Jersey vs the state
14.3%Denial rate-3.40 pts vs state
16.7%Decision denial rate-6.38 pts vs state
71.4%Origination rate+15.75 pts vs state
8.25%Median rate+1.50 pts vs state
3.26Rate spread (pts)+2.98 pts vs state
$60kMedian applicant income
5Loans originated
1Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 17 | 16.0% | 7.75% | #420 |
| 2024 | 14 | 5 | 28.6% | 8.50% | #493 |
| 2025 | 7 | 5 | 14.3% | 8.25% | #571 |
What BayCoast 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 BayCoast Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monmouth County | 3 | 3 | 0 | 0.0% |
| Cumberland County | 2 | 2 | 0 | 0.0% |
| Atlantic County | 1 | 0 | 0 | 0.0% |
| Ocean County | 1 | 0 | 1 | 100.0% |
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: 7 applications in 2025, of which 5 were originated and 1 denied.
14.3% of all applications, or 16.7% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans BayCoast Bank originated in New Jersey in 2025 was 8.25%, against a statewide median of 6.75%.
About this data. Figures are BayCoast 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