Heritage Bank in New Jersey vs the state
0.0%Denial rate-17.69 pts vs state
0.0%Decision denial rate-23.05 pts vs state
60.0%Origination rate+4.32 pts vs state
—Median rate
—Rate spread (pts)
$330kMedian applicant income
3Loans originated
0Denied
What Heritage Bank lends in New Jersey
By loan purpose
By loan type
Where in New Jersey
Counties with the most Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burlington County | 1 | 1 | 0 | 0.0% |
| Ocean County | 1 | 1 | 0 | 0.0% |
| Cape May County | 1 | 1 | 0 | 0.0% |
| Passaic County | 1 | 0 | 0 | 0.0% |
| Morris County | 1 | 0 | 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: 5 applications in 2025, of which 3 were originated and 0 denied.
0.0% of all applications, or 0.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Heritage Bank'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