Millenium Home Mortgage in New Jersey vs the state
1.4%Denial rate-16.29 pts vs state
1.8%Decision denial rate-21.26 pts vs state
77.0%Origination rate+21.35 pts vs state
6.38%Median rate-0.38 pts vs state
0.01Rate spread (pts)-0.27 pts vs state
$176kMedian applicant income
275Loans originated
5Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 347 | 241 | 2.3% | 6.50% | #121 |
| 2024 | 339 | 266 | 1.8% | 6.50% | #136 |
| 2025 | 357 | 275 | 1.4% | 6.38% | #145 |
What Millenium 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 Millenium Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 63 | 50 | 0 | 0.0% |
| Warren County | 41 | 34 | 2 | 4.9% |
| Union County | 39 | 30 | 0 | 0.0% |
| Morris County | 36 | 29 | 0 | 0.0% |
| Hunterdon County | 30 | 25 | 0 | 0.0% |
| Monmouth County | 24 | 21 | 0 | 0.0% |
| Ocean County | 22 | 18 | 0 | 0.0% |
| Somerset County | 18 | 14 | 0 | 0.0% |
| Passaic County | 16 | 10 | 1 | 6.3% |
| Essex County | 15 | 7 | 1 | 6.7% |
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: 357 applications in 2025, of which 275 were originated and 5 denied.
1.4% of all applications, or 1.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Millenium Home Mortgage originated in New Jersey in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Millenium 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