Home Loan Investment Bank in New Jersey vs the state
40.0%Denial rate+22.31 pts vs state
80.0%Decision denial rate+56.95 pts vs state
10.0%Origination rate-45.68 pts vs state
11.25%Median rate+4.50 pts vs state
7.11Rate spread (pts)+6.83 pts vs state
$180kMedian applicant income
1Loans originated
4Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 38 | 9 | 34.2% | 7.25% | #367 |
| 2024 | 25 | 6 | 40.0% | 7.18% | #424 |
| 2025 | 10 | 1 | 40.0% | 11.25% | #535 |
What Home Loan Investment Bank lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Home Loan Investment Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 4 | 0 | 3 | 75.0% |
| Bergen County | 1 | 0 | 1 | 100.0% |
| Gloucester County | 1 | 0 | 0 | 0.0% |
| Ocean County | 1 | 0 | 0 | 0.0% |
| Monmouth County | 1 | 0 | 0 | 0.0% |
| Sussex County | 1 | 0 | 0 | 0.0% |
| Middlesex County | 1 | 1 | 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: 10 applications in 2025, of which 1 were originated and 4 denied.
40.0% of all applications, or 80.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Home Loan Investment Bank originated in New Jersey in 2025 was 11.25%, against a statewide median of 6.75%.
About this data. Figures are Home Loan Investment 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