Guild Mortgage in New Jersey vs the state
9.4%Denial rate-8.31 pts vs state
12.3%Decision denial rate-10.75 pts vs state
60.0%Origination rate+4.32 pts vs state
6.63%Median rate-0.13 pts vs state
0.35Rate spread (pts)+0.06 pts vs state
$135kMedian applicant income
96Loans originated
15Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 131 | 78 | 7.6% | 6.75% | #217 |
| 2024 | 145 | 92 | 9.7% | 6.75% | #222 |
| 2025 | 160 | 96 | 9.4% | 6.63% | #215 |
What Guild Mortgage lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Guild Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 20 | 10 | 3 | 15.0% |
| Middlesex County | 19 | 12 | 1 | 5.3% |
| Ocean County | 18 | 13 | 3 | 16.7% |
| Monmouth County | 17 | 14 | 0 | 0.0% |
| Atlantic County | 11 | 5 | 1 | 9.1% |
| Gloucester County | 10 | 7 | 1 | 10.0% |
| Bergen County | 8 | 2 | 2 | 25.0% |
| Cumberland County | 7 | 2 | 0 | 0.0% |
| Burlington County | 7 | 4 | 2 | 28.6% |
| Cape May County | 5 | 4 | 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: 160 applications in 2025, of which 96 were originated and 15 denied.
9.4% of all applications, or 12.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Guild Mortgage originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Guild Mortgage'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