North American Savings Bank in New Jersey vs the state
20.0%Denial rate+2.31 pts vs state
30.0%Decision denial rate+6.95 pts vs state
43.3%Origination rate-12.35 pts vs state
7.00%Median rate+0.25 pts vs state
0.84Rate spread (pts)+0.56 pts vs state
$174kMedian applicant income
13Loans originated
6Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 23 | 11.1% | 6.63% | #344 |
| 2024 | 20 | 13 | 30.0% | 6.50% | #446 |
| 2025 | 30 | 13 | 20.0% | 7.00% | #406 |
What North American Savings 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 North American Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burlington County | 3 | 1 | 1 | 33.3% |
| Cape May County | 3 | 2 | 1 | 33.3% |
| Morris County | 3 | 1 | 1 | 33.3% |
| Essex County | 3 | 2 | 0 | 0.0% |
| Bergen County | 3 | 2 | 0 | 0.0% |
| Camden County | 2 | 1 | 0 | 0.0% |
| Middlesex County | 2 | 0 | 0 | 0.0% |
| Monmouth County | 2 | 1 | 0 | 0.0% |
| Union County | 2 | 0 | 1 | 50.0% |
| Somerset County | 2 | 1 | 1 | 50.0% |
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: 30 applications in 2025, of which 13 were originated and 6 denied.
20.0% of all applications, or 30.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans North American Savings Bank originated in New Jersey in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are North American Savings 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