LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans in New Jersey vs the state
7.8%Denial rate-9.86 pts vs state
12.5%Decision denial rate-10.59 pts vs state
45.8%Origination rate-9.89 pts vs state
6.12%Median rate-0.63 pts vs state
-0.25Rate spread (pts)-0.53 pts vs state
$201kMedian applicant income
234Loans originated
40Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 4 | 6.7% | 5.75% | #479 |
| 2024 | 146 | 65 | 8.2% | 6.13% | #220 |
| 2025 | 511 | 234 | 7.8% | 6.12% | #115 |
What LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 65 | 32 | 6 | 9.2% |
| Bergen County | 59 | 27 | 6 | 10.2% |
| Hudson County | 48 | 19 | 4 | 8.3% |
| Morris County | 41 | 18 | 3 | 7.3% |
| Somerset County | 38 | 21 | 2 | 5.3% |
| Monmouth County | 36 | 17 | 2 | 5.6% |
| Essex County | 34 | 16 | 2 | 5.9% |
| Mercer County | 30 | 7 | 1 | 3.3% |
| Ocean County | 30 | 14 | 2 | 6.7% |
| Burlington County | 29 | 14 | 2 | 6.9% |
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: 511 applications in 2025, of which 234 were originated and 40 denied.
7.8% of all applications, or 12.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans originated in New Jersey in 2025 was 6.12%, against a statewide median of 6.75%.
About this data. Figures are LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans'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