Jersey Shore in New Jersey vs the state
18.7%Denial rate+1.00 pts vs state
19.4%Decision denial rate-3.63 pts vs state
72.0%Origination rate+16.28 pts vs state
—Median rate
—Rate spread (pts)
$118kMedian applicant income
154Loans originated
40Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 222 | 163 | 14.9% | — | #170 |
| 2024 | 202 | 134 | 23.3% | — | #191 |
| 2025 | 214 | 154 | 18.7% | — | #192 |
What Jersey Shore lends in New Jersey
By loan purpose
By loan type
Where in New Jersey
Counties with the most Jersey Shore applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Atlantic County | 145 | 107 | 28 | 19.3% |
| Cape May County | 41 | 30 | 8 | 19.5% |
| Gloucester County | 7 | 4 | 2 | 28.6% |
| Ocean County | 7 | 5 | 0 | 0.0% |
| Camden County | 6 | 5 | 1 | 16.7% |
| Monmouth County | 3 | 0 | 0 | 0.0% |
| Cumberland County | 2 | 1 | 1 | 50.0% |
| Burlington County | 2 | 1 | 0 | 0.0% |
| Morris 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: 214 applications in 2025, of which 154 were originated and 40 denied.
18.7% of all applications, or 19.4% 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 Jersey Shore'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