Bpl Mortgage Trust in New Jersey vs the state
13.2%Denial rate-4.51 pts vs state
14.2%Decision denial rate-8.89 pts vs state
67.2%Origination rate+11.47 pts vs state
7.50%Median rate+0.75 pts vs state
—Rate spread (pts)
—Median applicant income
321Loans originated
63Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 444 | 318 | 3.6% | 8.13% | #103 |
| 2024 | 395 | 278 | 9.6% | 7.75% | #121 |
| 2025 | 478 | 321 | 13.2% | 7.50% | #122 |
What Bpl Mortgage Trust lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Bpl Mortgage Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 128 | 81 | 21 | 16.4% |
| Mercer County | 46 | 38 | 2 | 4.3% |
| Union County | 39 | 28 | 6 | 15.4% |
| Camden County | 31 | 20 | 3 | 9.7% |
| Monmouth County | 31 | 26 | 2 | 6.5% |
| Atlantic County | 29 | 18 | 4 | 13.8% |
| Ocean County | 27 | 16 | 4 | 14.8% |
| Gloucester County | 24 | 18 | 2 | 8.3% |
| Passaic County | 20 | 11 | 4 | 20.0% |
| Cumberland County | 19 | 13 | 3 | 15.8% |
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: 478 applications in 2025, of which 321 were originated and 63 denied.
13.2% of all applications, or 14.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Bpl Mortgage Trust originated in New Jersey in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Bpl Mortgage Trust'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