Guidance Residential in New Jersey vs the state
3.6%Denial rate-14.07 pts vs state
4.6%Decision denial rate-18.45 pts vs state
68.3%Origination rate+12.65 pts vs state
6.88%Median rate+0.13 pts vs state
0.39Rate spread (pts)+0.11 pts vs state
$162kMedian applicant income
151Loans originated
8Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 165 | 103 | 3.6% | 7.00% | #194 |
| 2024 | 199 | 125 | 1.0% | 7.13% | #194 |
| 2025 | 221 | 151 | 3.6% | 6.88% | #189 |
What Guidance Residential lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 73 | 50 | 2 | 2.7% |
| Bergen County | 24 | 17 | 1 | 4.2% |
| Passaic County | 19 | 12 | 0 | 0.0% |
| Somerset County | 19 | 13 | 1 | 5.3% |
| Mercer County | 15 | 12 | 1 | 6.7% |
| Burlington County | 14 | 12 | 0 | 0.0% |
| Hudson County | 9 | 4 | 1 | 11.1% |
| Camden County | 9 | 5 | 0 | 0.0% |
| Union County | 7 | 5 | 1 | 14.3% |
| Essex County | 7 | 5 | 1 | 14.3% |
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: 221 applications in 2025, of which 151 were originated and 8 denied.
3.6% of all applications, or 4.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Guidance Residential originated in New Jersey in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Guidance Residential'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