Fairway Independent Mortgage in New Jersey vs the state
4.7%Denial rate-12.99 pts vs state
6.2%Decision denial rate-16.83 pts vs state
69.6%Origination rate+13.90 pts vs state
6.75%Median rate0.00 pts vs state
0.34Rate spread (pts)+0.06 pts vs state
$161kMedian applicant income
844Loans originated
57Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,434 | 971 | 7.3% | 6.75% | #43 |
| 2024 | 1,305 | 893 | 5.8% | 6.88% | #48 |
| 2025 | 1,213 | 844 | 4.7% | 6.75% | #59 |
What Fairway Independent 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 Fairway Independent Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 204 | 98 | 10 | 4.9% |
| Burlington County | 156 | 129 | 5 | 3.2% |
| Mercer County | 112 | 90 | 2 | 1.8% |
| Camden County | 100 | 67 | 3 | 3.0% |
| Gloucester County | 96 | 81 | 0 | 0.0% |
| Essex County | 93 | 56 | 12 | 12.9% |
| Monmouth County | 81 | 64 | 7 | 8.6% |
| Union County | 56 | 30 | 6 | 10.7% |
| Ocean County | 51 | 39 | 2 | 3.9% |
| Middlesex County | 40 | 31 | 1 | 2.5% |
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: 1,213 applications in 2025, of which 844 were originated and 57 denied.
4.7% of all applications, or 6.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Fairway Independent Mortgage originated in New Jersey in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Fairway Independent 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