Polish & Slavic in New Jersey vs the state
12.7%Denial rate-4.95 pts vs state
18.1%Decision denial rate-4.92 pts vs state
56.4%Origination rate+0.69 pts vs state
—Median rate
—Rate spread (pts)
$128kMedian applicant income
146Loans originated
33Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 131 | 76 | 20.6% | 7.63% | #218 |
| 2024 | 161 | 88 | 11.8% | 8.25% | #212 |
| 2025 | 259 | 146 | 12.7% | — | #172 |
What Polish & Slavic lends in New Jersey
By loan purpose
By loan type
Where in New Jersey
Counties with the most Polish & Slavic applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 57 | 34 | 4 | 7.0% |
| Passaic County | 42 | 22 | 6 | 14.3% |
| Middlesex County | 33 | 20 | 4 | 12.1% |
| Union County | 18 | 9 | 2 | 11.1% |
| Monmouth County | 14 | 8 | 3 | 21.4% |
| Morris County | 14 | 7 | 2 | 14.3% |
| Mercer County | 13 | 9 | 2 | 15.4% |
| Hudson County | 13 | 4 | 3 | 23.1% |
| Somerset County | 13 | 10 | 1 | 7.7% |
| Essex County | 10 | 6 | 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: 259 applications in 2025, of which 146 were originated and 33 denied.
12.7% of all applications, or 18.1% 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 Polish & Slavic'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