Ixonia Bank in New Jersey vs the state
4.4%Denial rate-13.34 pts vs state
8.3%Decision denial rate-14.72 pts vs state
46.4%Origination rate-9.30 pts vs state
6.81%Median rate+0.06 pts vs state
0.60Rate spread (pts)+0.31 pts vs state
$114kMedian applicant income
32Loans originated
3Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 24 | 9.8% | 6.99% | #358 |
| 2024 | 84 | 50 | 3.6% | 6.81% | #278 |
| 2025 | 69 | 32 | 4.4% | 6.81% | #314 |
What Ixonia 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 Ixonia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 12 | 7 | 1 | 8.3% |
| Warren County | 10 | 7 | 0 | 0.0% |
| Burlington County | 6 | 4 | 0 | 0.0% |
| Mercer County | 6 | 2 | 2 | 33.3% |
| Monmouth County | 5 | 2 | 0 | 0.0% |
| Essex County | 4 | 1 | 0 | 0.0% |
| Passaic County | 4 | 3 | 0 | 0.0% |
| Middlesex County | 4 | 2 | 0 | 0.0% |
| Atlantic County | 3 | 0 | 0 | 0.0% |
| Hudson County | 3 | 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: 69 applications in 2025, of which 32 were originated and 3 denied.
4.4% of all applications, or 8.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Ixonia Bank originated in New Jersey in 2025 was 6.81%, against a statewide median of 6.75%.
About this data. Figures are Ixonia 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