Kind Lending in New Jersey vs the state
29.1%Denial rate+11.44 pts vs state
31.8%Decision denial rate+8.75 pts vs state
61.6%Origination rate+5.89 pts vs state
6.75%Median rate0.00 pts vs state
0.45Rate spread (pts)+0.17 pts vs state
$156kMedian applicant income
556Loans originated
263Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 105 | 19.7% | 6.50% | #190 |
| 2024 | 580 | 368 | 25.9% | 6.88% | #96 |
| 2025 | 903 | 556 | 29.1% | 6.75% | #67 |
What Kind Lending lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ocean County | 118 | 75 | 38 | 32.2% |
| Essex County | 96 | 53 | 35 | 36.5% |
| Bergen County | 93 | 59 | 28 | 30.1% |
| Union County | 80 | 51 | 20 | 25.0% |
| Hudson County | 71 | 42 | 21 | 29.6% |
| Passaic County | 71 | 47 | 18 | 25.4% |
| Middlesex County | 68 | 37 | 21 | 30.9% |
| Monmouth County | 65 | 39 | 16 | 24.6% |
| Morris County | 49 | 35 | 8 | 16.3% |
| Burlington County | 30 | 15 | 13 | 43.3% |
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: 903 applications in 2025, of which 556 were originated and 263 denied.
29.1% of all applications, or 31.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Kind Lending originated in New Jersey in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Kind Lending'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