Mortgage Access in New Jersey vs the state
4.9%Denial rate-12.76 pts vs state
6.5%Decision denial rate-16.57 pts vs state
69.6%Origination rate+13.92 pts vs state
6.63%Median rate-0.13 pts vs state
0.15Rate spread (pts)-0.13 pts vs state
$154kMedian applicant income
593Loans originated
42Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,010 | 631 | 4.8% | 6.75% | #57 |
| 2024 | 717 | 466 | 6.3% | 6.88% | #81 |
| 2025 | 852 | 593 | 4.9% | 6.63% | #71 |
What Mortgage Access lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Mortgage Access applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morris County | 144 | 105 | 3 | 2.1% |
| Burlington County | 81 | 63 | 4 | 4.9% |
| Ocean County | 78 | 43 | 1 | 1.3% |
| Camden County | 75 | 54 | 4 | 5.3% |
| Sussex County | 65 | 49 | 4 | 6.2% |
| Monmouth County | 50 | 32 | 2 | 4.0% |
| Somerset County | 48 | 39 | 4 | 8.3% |
| Middlesex County | 46 | 32 | 3 | 6.5% |
| Essex County | 42 | 19 | 3 | 7.1% |
| Hunterdon County | 36 | 29 | 2 | 5.6% |
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: 852 applications in 2025, of which 593 were originated and 42 denied.
4.9% of all applications, or 6.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Mortgage Access originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Mortgage Access'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