Georgia'S Own in New Jersey vs the state
18.0%Denial rate+0.29 pts vs state
19.1%Decision denial rate-4.00 pts vs state
74.2%Origination rate+18.48 pts vs state
8.50%Median rate+1.75 pts vs state
1.25Rate spread (pts)+0.96 pts vs state
$290kMedian applicant income
66Loans originated
16Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 76 | 38 | 42.1% | 10.25% | #274 |
| 2024 | 115 | 72 | 28.7% | 9.88% | #243 |
| 2025 | 89 | 66 | 18.0% | 8.50% | #278 |
What Georgia'S Own lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Georgia'S Own applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 16 | 9 | 6 | 37.5% |
| Essex County | 9 | 8 | 0 | 0.0% |
| Mercer County | 9 | 8 | 0 | 0.0% |
| Morris County | 7 | 3 | 2 | 28.6% |
| Passaic County | 7 | 5 | 2 | 28.6% |
| Monmouth County | 7 | 7 | 0 | 0.0% |
| Union County | 7 | 6 | 0 | 0.0% |
| Atlantic County | 6 | 4 | 1 | 16.7% |
| Hudson County | 5 | 3 | 2 | 40.0% |
| Somerset County | 4 | 3 | 1 | 25.0% |
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: 89 applications in 2025, of which 66 were originated and 16 denied.
18.0% of all applications, or 19.1% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Georgia'S Own originated in New Jersey in 2025 was 8.50%, against a statewide median of 6.75%.
About this data. Figures are Georgia'S Own'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