Kiavi Funding in New Jersey vs the state
7.4%Denial rate-10.30 pts vs state
8.9%Decision denial rate-14.14 pts vs state
73.2%Origination rate+17.52 pts vs state
10.24%Median rate+3.49 pts vs state
—Rate spread (pts)
—Median applicant income
1,139Loans originated
115Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 804 | 531 | 12.7% | 10.95% | #66 |
| 2024 | 1,081 | 817 | 7.9% | 10.95% | #52 |
| 2025 | 1,556 | 1,139 | 7.4% | 10.24% | #46 |
What Kiavi Funding lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Kiavi Funding applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 276 | 220 | 16 | 5.8% |
| Burlington County | 179 | 138 | 10 | 5.6% |
| Mercer County | 165 | 117 | 16 | 9.7% |
| Gloucester County | 136 | 98 | 13 | 9.6% |
| Essex County | 96 | 67 | 5 | 5.2% |
| Atlantic County | 95 | 46 | 7 | 7.4% |
| Ocean County | 76 | 54 | 3 | 3.9% |
| Cumberland County | 72 | 57 | 5 | 6.9% |
| Middlesex County | 65 | 53 | 4 | 6.2% |
| Monmouth County | 65 | 45 | 6 | 9.2% |
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: 1,556 applications in 2025, of which 1,139 were originated and 115 denied.
7.4% of all applications, or 8.9% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Kiavi Funding originated in New Jersey in 2025 was 10.24%, against a statewide median of 6.75%.
About this data. Figures are Kiavi Funding'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