Click n' Close in New Jersey vs the state
6.3%Denial rate-11.44 pts vs state
10.0%Decision denial rate-13.05 pts vs state
56.3%Origination rate+0.57 pts vs state
7.13%Median rate+0.38 pts vs state
1.78Rate spread (pts)+1.50 pts vs state
$132kMedian applicant income
18Loans originated
2Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 31 | 15 | 6.5% | 7.14% | #398 |
| 2024 | 45 | 15 | 4.4% | 7.50% | #356 |
| 2025 | 32 | 18 | 6.3% | 7.13% | #395 |
What Click n' Close lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Click n' Close applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Passaic County | 5 | 3 | 0 | 0.0% |
| Burlington County | 4 | 1 | 2 | 50.0% |
| Hudson County | 3 | 3 | 0 | 0.0% |
| Gloucester County | 3 | 2 | 0 | 0.0% |
| Sussex County | 3 | 2 | 0 | 0.0% |
| Morris County | 3 | 0 | 0 | 0.0% |
| Union County | 3 | 3 | 0 | 0.0% |
| Ocean County | 2 | 1 | 0 | 0.0% |
| Mercer County | 2 | 1 | 0 | 0.0% |
| Somerset 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: 32 applications in 2025, of which 18 were originated and 2 denied.
6.3% of all applications, or 10.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Click n' Close originated in New Jersey in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Click n' Close'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