NBKC Bank in New Jersey vs the state
16.5%Denial rate-1.16 pts vs state
24.5%Decision denial rate+1.44 pts vs state
49.3%Origination rate-6.37 pts vs state
6.13%Median rate-0.63 pts vs state
-0.23Rate spread (pts)-0.51 pts vs state
$181kMedian applicant income
179Loans originated
60Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 294 | 133 | 12.2% | 6.38% | #138 |
| 2024 | 384 | 185 | 12.8% | 6.25% | #126 |
| 2025 | 363 | 179 | 16.5% | 6.13% | #143 |
What NBKC Bank lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most NBKC Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 33 | 14 | 7 | 21.2% |
| Bergen County | 32 | 21 | 4 | 12.5% |
| Somerset County | 32 | 16 | 3 | 9.4% |
| Hudson County | 31 | 12 | 8 | 25.8% |
| Monmouth County | 30 | 16 | 4 | 13.3% |
| Essex County | 25 | 11 | 3 | 12.0% |
| Ocean County | 23 | 16 | 1 | 4.3% |
| Morris County | 21 | 8 | 3 | 14.3% |
| Mercer County | 21 | 10 | 6 | 28.6% |
| Burlington County | 18 | 9 | 5 | 27.8% |
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: 363 applications in 2025, of which 179 were originated and 60 denied.
16.5% of all applications, or 24.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans NBKC Bank originated in New Jersey in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are NBKC Bank'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