Geneva Financial in New Jersey vs the state
3.9%Denial rate-13.79 pts vs state
5.7%Decision denial rate-17.39 pts vs state
63.0%Origination rate+7.31 pts vs state
6.75%Median rate0.00 pts vs state
0.72Rate spread (pts)+0.43 pts vs state
$120kMedian applicant income
97Loans originated
6Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 39 | 11.3% | 6.88% | #284 |
| 2024 | 94 | 54 | 3.2% | 6.63% | #261 |
| 2025 | 154 | 97 | 3.9% | 6.75% | #218 |
What Geneva Financial lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Geneva Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 34 | 25 | 0 | 0.0% |
| Union County | 17 | 10 | 2 | 11.8% |
| Middlesex County | 15 | 9 | 1 | 6.7% |
| Mercer County | 14 | 10 | 0 | 0.0% |
| Bergen County | 11 | 8 | 0 | 0.0% |
| Ocean County | 10 | 7 | 0 | 0.0% |
| Somerset County | 9 | 5 | 0 | 0.0% |
| Morris County | 7 | 4 | 0 | 0.0% |
| Hudson County | 7 | 3 | 0 | 0.0% |
| Burlington County | 5 | 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: 154 applications in 2025, of which 97 were originated and 6 denied.
3.9% of all applications, or 5.7% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Geneva Financial originated in New Jersey in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Geneva Financial'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