Kinecta in New Jersey vs the state
16.7%Denial rate-1.02 pts vs state
18.8%Decision denial rate-4.30 pts vs state
66.7%Origination rate+10.99 pts vs state
7.12%Median rate+0.37 pts vs state
0.88Rate spread (pts)+0.59 pts vs state
$111kMedian applicant income
12Loans originated
3Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 20 | 23.1% | 7.75% | #418 |
| 2024 | 16 | 12 | 18.8% | 7.24% | #476 |
| 2025 | 18 | 12 | 16.7% | 7.12% | #466 |
What Kinecta lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Kinecta applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 5 | 2 | 2 | 40.0% |
| Morris County | 4 | 4 | 0 | 0.0% |
| Monmouth County | 1 | 0 | 0 | 0.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Camden County | 1 | 0 | 0 | 0.0% |
| Passaic County | 1 | 1 | 0 | 0.0% |
| Bergen County | 1 | 1 | 0 | 0.0% |
| Sussex County | 1 | 1 | 0 | 0.0% |
| Atlantic County | 1 | 0 | 1 | 100.0% |
| Essex 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: 18 applications in 2025, of which 12 were originated and 3 denied.
16.7% of all applications, or 18.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Kinecta originated in New Jersey in 2025 was 7.12%, against a statewide median of 6.75%.
About this data. Figures are Kinecta'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