Farmers Bank & Trust in New Jersey vs the state
11.7%Denial rate-6.02 pts vs state
26.9%Decision denial rate+3.87 pts vs state
31.7%Origination rate-24.01 pts vs state
6.38%Median rate-0.38 pts vs state
-0.10Rate spread (pts)-0.39 pts vs state
$211kMedian applicant income
19Loans originated
7Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 28 | 10.3% | 6.25% | #290 |
| 2024 | 88 | 34 | 5.7% | 6.62% | #271 |
| 2025 | 60 | 19 | 11.7% | 6.38% | #332 |
What Farmers Bank & Trust lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Farmers Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 9 | 2 | 2 | 22.2% |
| Bergen County | 7 | 2 | 1 | 14.3% |
| Mercer County | 6 | 2 | 0 | 0.0% |
| Morris County | 6 | 3 | 0 | 0.0% |
| Camden County | 5 | 0 | 1 | 20.0% |
| Middlesex County | 4 | 0 | 1 | 25.0% |
| Monmouth County | 4 | 2 | 0 | 0.0% |
| Union County | 3 | 0 | 0 | 0.0% |
| Hunterdon County | 3 | 1 | 1 | 33.3% |
| Hudson County | 3 | 2 | 1 | 33.3% |
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: 60 applications in 2025, of which 19 were originated and 7 denied.
11.7% of all applications, or 26.9% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Farmers Bank & Trust originated in New Jersey in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Farmers Bank & Trust'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