Nations Direct Mortgage in New Jersey vs the state
9.5%Denial rate-8.20 pts vs state
12.0%Decision denial rate-11.07 pts vs state
69.7%Origination rate+14.03 pts vs state
6.63%Median rate-0.13 pts vs state
0.31Rate spread (pts)+0.03 pts vs state
$159kMedian applicant income
191Loans originated
26Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 218 | 119 | 15.1% | 6.63% | #172 |
| 2024 | 326 | 219 | 4.0% | 6.63% | #140 |
| 2025 | 274 | 191 | 9.5% | 6.63% | #170 |
What Nations Direct 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 Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 34 | 25 | 2 | 5.9% |
| Essex County | 28 | 16 | 6 | 21.4% |
| Mercer County | 25 | 17 | 0 | 0.0% |
| Somerset County | 22 | 19 | 1 | 4.5% |
| Morris County | 20 | 10 | 1 | 5.0% |
| Bergen County | 20 | 11 | 4 | 20.0% |
| Camden County | 17 | 13 | 2 | 11.8% |
| Burlington County | 17 | 13 | 2 | 11.8% |
| Monmouth County | 14 | 11 | 1 | 7.1% |
| Ocean County | 13 | 11 | 1 | 7.7% |
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: 274 applications in 2025, of which 191 were originated and 26 denied.
9.5% of all applications, or 12.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Nations Direct Mortgage originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Nations Direct 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