Lima One Capital in New Jersey vs the state
30.6%Denial rate+12.87 pts vs state
35.5%Decision denial rate+12.43 pts vs state
55.6%Origination rate-0.12 pts vs state
7.75%Median rate+1.00 pts vs state
—Rate spread (pts)
—Median applicant income
60Loans originated
33Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 145 | 145 | 0.0% | 10.76% | #206 |
| 2024 | 206 | 117 | 21.4% | 9.05% | #189 |
| 2025 | 108 | 60 | 30.6% | 7.75% | #257 |
What Lima One Capital lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Lima One Capital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 24 | 17 | 3 | 12.5% |
| Cape May County | 15 | 10 | 5 | 33.3% |
| Passaic County | 15 | 8 | 6 | 40.0% |
| Mercer County | 9 | 6 | 2 | 22.2% |
| Hudson County | 6 | 0 | 6 | 100.0% |
| Warren County | 6 | 3 | 0 | 0.0% |
| Ocean County | 5 | 2 | 3 | 60.0% |
| Cumberland County | 5 | 2 | 3 | 60.0% |
| Middlesex County | 4 | 1 | 1 | 25.0% |
| Morris County | 3 | 3 | 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: 108 applications in 2025, of which 60 were originated and 33 denied.
30.6% of all applications, or 35.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Lima One Capital originated in New Jersey in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Lima One Capital'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