Franklin Mint in New Jersey vs the state
18.5%Denial rate+0.79 pts vs state
21.0%Decision denial rate-2.06 pts vs state
68.5%Origination rate+12.80 pts vs state
4.99%Median rate-1.76 pts vs state
-2.25Rate spread (pts)-2.53 pts vs state
$166kMedian applicant income
63Loans originated
17Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 126 | 64 | 29.4% | 2.99% | #223 |
| 2024 | 108 | 59 | 29.6% | 7.99% | #247 |
| 2025 | 92 | 63 | 18.5% | 4.99% | #276 |
What Franklin Mint lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Franklin Mint applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 21 | 10 | 8 | 38.1% |
| Gloucester County | 18 | 15 | 1 | 5.6% |
| Cape May County | 11 | 10 | 0 | 0.0% |
| Burlington County | 10 | 7 | 3 | 30.0% |
| Atlantic County | 6 | 4 | 0 | 0.0% |
| Ocean County | 6 | 3 | 2 | 33.3% |
| Salem County | 4 | 3 | 1 | 25.0% |
| Cumberland County | 3 | 1 | 0 | 0.0% |
| Mercer County | 3 | 3 | 0 | 0.0% |
| Monmouth County | 2 | 2 | 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: 92 applications in 2025, of which 63 were originated and 17 denied.
18.5% of all applications, or 21.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Franklin Mint originated in New Jersey in 2025 was 4.99%, against a statewide median of 6.75%.
About this data. Figures are Franklin Mint'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