Lendingone in New Jersey vs the state
9.6%Denial rate-8.06 pts vs state
54.3%Decision denial rate+31.29 pts vs state
8.1%Origination rate-47.59 pts vs state
9.49%Median rate+2.74 pts vs state
—Rate spread (pts)
—Median applicant income
100Loans originated
119Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 417 | 116 | 54.2% | 7.98% | #107 |
| 2024 | 304 | 108 | 53.0% | 7.78% | #148 |
| 2025 | 1,236 | 100 | 9.6% | 9.49% | #57 |
What Lendingone lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Lendingone applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 190 | 10 | 15 | 7.9% |
| Camden County | 107 | 12 | 14 | 13.1% |
| Hudson County | 84 | 1 | 5 | 6.0% |
| Mercer County | 76 | 4 | 5 | 6.6% |
| Ocean County | 73 | 4 | 7 | 9.6% |
| Bergen County | 72 | 6 | 5 | 6.9% |
| Union County | 71 | 4 | 6 | 8.5% |
| Monmouth County | 70 | 4 | 9 | 12.9% |
| Burlington County | 67 | 6 | 5 | 7.5% |
| Atlantic County | 60 | 12 | 7 | 11.7% |
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: 1,236 applications in 2025, of which 100 were originated and 119 denied.
9.6% of all applications, or 54.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Lendingone originated in New Jersey in 2025 was 9.49%, against a statewide median of 6.75%.
About this data. Figures are Lendingone'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