Educational Systems in New Jersey vs the state
57.1%Denial rate+39.45 pts vs state
57.1%Decision denial rate+34.09 pts vs state
28.6%Origination rate-27.11 pts vs state
4.19%Median rate-2.56 pts vs state
-0.93Rate spread (pts)-1.21 pts vs state
$300kMedian applicant income
2Loans originated
4Denied
What Educational Systems lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Educational Systems applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 2 | 0 | 2 | 100.0% |
| Burlington County | 1 | 1 | 0 | 0.0% |
| Morris County | 1 | 0 | 0 | 0.0% |
| Somerset County | 1 | 0 | 1 | 100.0% |
| Gloucester County | 1 | 1 | 0 | 0.0% |
| Essex 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 2 were originated and 4 denied.
57.1% of all applications, or 57.1% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Educational Systems originated in New Jersey in 2025 was 4.19%, against a statewide median of 6.75%.
About this data. Figures are Educational Systems'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