Northfield Bank in New Jersey vs the state
27.8%Denial rate+10.12 pts vs state
30.4%Decision denial rate+7.38 pts vs state
59.7%Origination rate+4.03 pts vs state
—Median rate
—Rate spread (pts)
$180kMedian applicant income
292Loans originated
136Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 572 | 247 | 51.2% | — | #89 |
| 2024 | 515 | 206 | 53.4% | — | #102 |
| 2025 | 489 | 292 | 27.8% | — | #119 |
What Northfield 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 Northfield Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 97 | 55 | 28 | 28.9% |
| Union County | 60 | 33 | 18 | 30.0% |
| Monmouth County | 57 | 34 | 16 | 28.1% |
| Mercer County | 54 | 34 | 14 | 25.9% |
| Ocean County | 48 | 24 | 16 | 33.3% |
| Hunterdon County | 44 | 25 | 14 | 31.8% |
| Morris County | 31 | 20 | 9 | 29.0% |
| Essex County | 22 | 14 | 4 | 18.2% |
| Somerset County | 19 | 13 | 5 | 26.3% |
| Burlington County | 10 | 8 | 1 | 10.0% |
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: 489 applications in 2025, of which 292 were originated and 136 denied.
27.8% of all applications, or 30.4% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Northfield 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