Plaza Home Mortgage in New Jersey vs the state
34.7%Denial rate+17.00 pts vs state
38.7%Decision denial rate+15.63 pts vs state
52.8%Origination rate-2.91 pts vs state
6.88%Median rate+0.13 pts vs state
0.51Rate spread (pts)+0.23 pts vs state
$139kMedian applicant income
286Loans originated
188Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 708 | 426 | 11.4% | 6.75% | #72 |
| 2024 | 743 | 414 | 22.8% | 6.99% | #77 |
| 2025 | 542 | 286 | 34.7% | 6.88% | #110 |
What Plaza Home 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 Plaza Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 84 | 46 | 27 | 32.1% |
| Ocean County | 47 | 31 | 13 | 27.7% |
| Middlesex County | 45 | 25 | 16 | 35.6% |
| Essex County | 42 | 24 | 12 | 28.6% |
| Monmouth County | 41 | 24 | 12 | 29.3% |
| Passaic County | 40 | 19 | 17 | 42.5% |
| Hudson County | 32 | 13 | 11 | 34.4% |
| Camden County | 28 | 15 | 9 | 32.1% |
| Gloucester County | 25 | 14 | 6 | 24.0% |
| Burlington County | 25 | 11 | 9 | 36.0% |
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: 542 applications in 2025, of which 286 were originated and 188 denied.
34.7% of all applications, or 38.7% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Plaza Home Mortgage originated in New Jersey in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Plaza Home 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