Digital in New Jersey vs the state
17.7%Denial rate-0.04 pts vs state
30.7%Decision denial rate+7.62 pts vs state
39.1%Origination rate-16.55 pts vs state
7.50%Median rate+0.75 pts vs state
0.55Rate spread (pts)+0.27 pts vs state
$202kMedian applicant income
153Loans originated
69Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 615 | 253 | 16.1% | 6.62% | #84 |
| 2024 | 504 | 176 | 16.9% | 7.75% | #104 |
| 2025 | 391 | 153 | 17.7% | 7.50% | #139 |
What Digital lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 147 | 61 | 25 | 17.0% |
| Somerset County | 48 | 29 | 9 | 18.8% |
| Morris County | 38 | 14 | 6 | 15.8% |
| Mercer County | 29 | 8 | 4 | 13.8% |
| Monmouth County | 19 | 6 | 0 | 0.0% |
| Essex County | 19 | 4 | 5 | 26.3% |
| Bergen County | 15 | 6 | 3 | 20.0% |
| Hudson County | 12 | 3 | 8 | 66.7% |
| Burlington County | 12 | 7 | 0 | 0.0% |
| Gloucester County | 10 | 2 | 2 | 20.0% |
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: 391 applications in 2025, of which 153 were originated and 69 denied.
17.7% of all applications, or 30.7% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Digital originated in New Jersey in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Digital'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