Mid-Island Mortgage in New Jersey vs the state
9.1%Denial rate-8.60 pts vs state
14.3%Decision denial rate-8.76 pts vs state
54.6%Origination rate-1.13 pts vs state
6.99%Median rate+0.24 pts vs state
0.24Rate spread (pts)-0.04 pts vs state
$227kMedian applicant income
6Loans originated
1Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 8 | 8.3% | 6.94% | #514 |
| 2024 | 11 | 7 | 18.2% | 6.62% | #526 |
| 2025 | 11 | 6 | 9.1% | 6.99% | #524 |
What Mid-Island 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 Mid-Island Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 4 | 2 | 0 | 0.0% |
| Middlesex County | 2 | 2 | 0 | 0.0% |
| Bergen County | 1 | 0 | 0 | 0.0% |
| Morris County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 0 | 1 | 100.0% |
| Mercer County | 1 | 0 | 0 | 0.0% |
| Sussex 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: 11 applications in 2025, of which 6 were originated and 1 denied.
9.1% of all applications, or 14.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Mid-Island Mortgage originated in New Jersey in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are Mid-Island 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