Jersey Shore at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
20th19.4% deniedProcesswithdrawn + incomplete share, weight 15%
83rd3.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 225 | 165 | 14.7% | 15.5% | — | $14M |
| 2024 | 205 | 136 | 22.9% | 24.1% | — | $13M |
| 2025 | 214 | 154 | 18.7% | 19.4% | — | $13M |
What Jersey Shore lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 1 investment properties.
Who gets approved at Jersey Shore
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 66 | 41 | 35.4% |
| $100k – $150k | 58 | 47 | 7.3% |
| $150k – $250k | 59 | 48 | 10.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 15 | 16.7% |
| 35–44 | 40 | 30 | 10.5% |
| 45–54 | 52 | 36 | 21.6% |
| 55–64 | 57 | 42 | 19.6% |
| 65–74 | 31 | 22 | 25.8% |
Where Jersey Shore lends
1 states and 9 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Jersey | 214 | 154 | 18.7% | — | #192 |
Frequently asked questions
Jersey Shore denied 19.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 20th percentile of small mortgage lenders.
In 2025, 10% of its applications were for home purchases, 20% for refinancing (including cash-out), and 70% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.