Encompass Lending Group in New Jersey vs the state
25.0%Denial rate+7.31 pts vs state
28.6%Decision denial rate+5.52 pts vs state
62.5%Origination rate+6.82 pts vs state
6.63%Median rate-0.13 pts vs state
0.43Rate spread (pts)+0.14 pts vs state
$129kMedian applicant income
5Loans originated
2Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 7 | 0.0% | 6.50% | #557 |
| 2024 | 11 | 9 | 9.1% | 6.88% | #524 |
| 2025 | 8 | 5 | 25.0% | 6.63% | #555 |
What Encompass Lending Group lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Encompass Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ocean County | 3 | 2 | 1 | 33.3% |
| Monmouth County | 2 | 2 | 0 | 0.0% |
| Burlington County | 2 | 1 | 1 | 50.0% |
| Essex County | 1 | 0 | 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: 8 applications in 2025, of which 5 were originated and 2 denied.
25.0% of all applications, or 28.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Encompass Lending Group originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Encompass Lending Group'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