Guaranteed Rate Affinity in New Jersey vs the state
3.1%Denial rate-14.59 pts vs state
4.5%Decision denial rate-18.60 pts vs state
65.0%Origination rate+9.27 pts vs state
6.58%Median rate-0.17 pts vs state
0.11Rate spread (pts)-0.18 pts vs state
$186kMedian applicant income
1,110Loans originated
53Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,733 | 988 | 4.1% | 6.63% | #33 |
| 2024 | 1,463 | 995 | 5.7% | 6.75% | #44 |
| 2025 | 1,709 | 1,110 | 3.1% | 6.58% | #43 |
What Guaranteed Rate Affinity lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Union County | 249 | 166 | 3 | 1.2% |
| Middlesex County | 154 | 97 | 6 | 3.9% |
| Somerset County | 149 | 103 | 3 | 2.0% |
| Bergen County | 145 | 83 | 9 | 6.2% |
| Morris County | 145 | 98 | 4 | 2.8% |
| Monmouth County | 125 | 82 | 2 | 1.6% |
| Essex County | 117 | 76 | 7 | 6.0% |
| Hunterdon County | 97 | 68 | 3 | 3.1% |
| Ocean County | 86 | 65 | 4 | 4.7% |
| Camden County | 77 | 41 | 2 | 2.6% |
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: 1,709 applications in 2025, of which 1,110 were originated and 53 denied.
3.1% of all applications, or 4.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Guaranteed Rate Affinity originated in New Jersey in 2025 was 6.58%, against a statewide median of 6.75%.
About this data. Figures are Guaranteed Rate Affinity'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