Bond Street Mortgage in New Jersey vs the state
4.6%Denial rate-13.13 pts vs state
5.9%Decision denial rate-17.20 pts vs state
73.3%Origination rate+17.63 pts vs state
6.62%Median rate-0.13 pts vs state
0.25Rate spread (pts)-0.03 pts vs state
$156kMedian applicant income
563Loans originated
35Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 781 | 535 | 2.4% | 6.63% | #68 |
| 2024 | 944 | 660 | 2.8% | 6.63% | #59 |
| 2025 | 768 | 563 | 4.6% | 6.62% | #82 |
What Bond Street 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 Bond Street Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 174 | 138 | 8 | 4.6% |
| Middlesex County | 94 | 73 | 2 | 2.1% |
| Essex County | 65 | 42 | 1 | 1.5% |
| Passaic County | 65 | 46 | 1 | 1.5% |
| Hudson County | 62 | 46 | 6 | 9.7% |
| Monmouth County | 51 | 36 | 4 | 7.8% |
| Union County | 45 | 34 | 4 | 8.9% |
| Morris County | 42 | 34 | 0 | 0.0% |
| Ocean County | 38 | 29 | 3 | 7.9% |
| Somerset County | 33 | 26 | 2 | 6.1% |
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: 768 applications in 2025, of which 563 were originated and 35 denied.
4.6% of all applications, or 5.9% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Bond Street Mortgage originated in New Jersey in 2025 was 6.62%, against a statewide median of 6.75%.
About this data. Figures are Bond Street 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