Equity Prime Mortgage in New Jersey vs the state
13.4%Denial rate-4.32 pts vs state
24.7%Decision denial rate+1.62 pts vs state
40.8%Origination rate-14.86 pts vs state
6.63%Median rate-0.13 pts vs state
0.33Rate spread (pts)+0.05 pts vs state
$126kMedian applicant income
229Loans originated
75Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 538 | 384 | 3.0% | 6.88% | #94 |
| 2024 | 271 | 149 | 4.4% | 6.75% | #160 |
| 2025 | 561 | 229 | 13.4% | 6.63% | #107 |
What Equity Prime Mortgage lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Equity Prime Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 58 | 19 | 9 | 15.5% |
| Essex County | 51 | 20 | 9 | 17.6% |
| Middlesex County | 49 | 21 | 4 | 8.2% |
| Burlington County | 47 | 19 | 6 | 12.8% |
| Passaic County | 46 | 18 | 8 | 17.4% |
| Ocean County | 45 | 23 | 7 | 15.6% |
| Union County | 42 | 15 | 7 | 16.7% |
| Bergen County | 29 | 10 | 4 | 13.8% |
| Gloucester County | 25 | 11 | 4 | 16.0% |
| Mercer County | 24 | 8 | 2 | 8.3% |
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: 561 applications in 2025, of which 229 were originated and 75 denied.
13.4% of all applications, or 24.7% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Equity Prime Mortgage originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Equity Prime Mortgage'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