Ony Glo in New Jersey vs the state
53.3%Denial rate+35.64 pts vs state
61.5%Decision denial rate+38.49 pts vs state
33.3%Origination rate-22.35 pts vs state
7.25%Median rate+0.50 pts vs state
0.47Rate spread (pts)+0.19 pts vs state
$150kMedian applicant income
5Loans originated
8Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 28 | 8 | 53.6% | 6.31% | #406 |
| 2024 | 13 | 4 | 38.5% | 6.88% | #504 |
| 2025 | 15 | 5 | 53.3% | 7.25% | #488 |
What Ony Glo lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Ony Glo applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Passaic County | 5 | 2 | 3 | 60.0% |
| Burlington County | 3 | 1 | 2 | 66.7% |
| Bergen County | 2 | 0 | 2 | 100.0% |
| Union County | 1 | 0 | 1 | 100.0% |
| Morris County | 1 | 0 | 0 | 0.0% |
| Essex County | 1 | 1 | 0 | 0.0% |
| Somerset County | 1 | 0 | 0 | 0.0% |
| Ocean County | 1 | 1 | 0 | 0.0% |
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: 15 applications in 2025, of which 5 were originated and 8 denied.
53.3% of all applications, or 61.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Ony Glo originated in New Jersey in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Ony Glo'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