Liberty Home Mortgage in New Jersey vs the state
41.7%Denial rate+23.98 pts vs state
62.5%Decision denial rate+39.45 pts vs state
25.0%Origination rate-30.68 pts vs state
7.13%Median rate+0.38 pts vs state
0.77Rate spread (pts)+0.49 pts vs state
$80kMedian applicant income
3Loans originated
5Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 22 | 24.1% | 6.88% | #313 |
| 2024 | 43 | 18 | 18.6% | 6.94% | #364 |
| 2025 | 12 | 3 | 41.7% | 7.13% | #514 |
What Liberty Home Mortgage lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Liberty Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 5 | 0 | 4 | 80.0% |
| Sussex County | 2 | 1 | 1 | 50.0% |
| Bergen County | 1 | 1 | 0 | 0.0% |
| Passaic County | 1 | 0 | 0 | 0.0% |
| Union County | 1 | 0 | 0 | 0.0% |
| Burlington County | 1 | 1 | 0 | 0.0% |
| Morris County | 1 | 0 | 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: 12 applications in 2025, of which 3 were originated and 5 denied.
41.7% of all applications, or 62.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Liberty Home Mortgage originated in New Jersey in 2025 was 7.13%, against a statewide median of 6.75%.
About this data. Figures are Liberty Home Mortgage'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