Genesis Capital in New Jersey vs the state
4.4%Denial rate-13.34 pts vs state
4.4%Decision denial rate-18.70 pts vs state
95.7%Origination rate+39.97 pts vs state
8.83%Median rate+2.07 pts vs state
—Rate spread (pts)
—Median applicant income
44Loans originated
2Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 29 | 28 | 3.5% | 9.75% | #402 |
| 2024 | 46 | 45 | 2.2% | 9.51% | #349 |
| 2025 | 46 | 44 | 4.4% | 8.83% | #372 |
What Genesis Capital lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Genesis Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 6 | 5 | 1 | 16.7% |
| Camden County | 5 | 5 | 0 | 0.0% |
| Union County | 5 | 5 | 0 | 0.0% |
| Passaic County | 4 | 4 | 0 | 0.0% |
| Hudson County | 4 | 4 | 0 | 0.0% |
| Middlesex County | 4 | 4 | 0 | 0.0% |
| Monmouth County | 3 | 2 | 1 | 33.3% |
| Ocean County | 3 | 3 | 0 | 0.0% |
| Bergen County | 2 | 2 | 0 | 0.0% |
| Morris 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: 46 applications in 2025, of which 44 were originated and 2 denied.
4.4% of all applications, or 4.4% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Genesis Capital originated in New Jersey in 2025 was 8.83%, against a statewide median of 6.75%.
About this data. Figures are Genesis Capital'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