Prosperity Home Mortgage in New Jersey vs the state
4.6%Denial rate-13.06 pts vs state
6.0%Decision denial rate-17.04 pts vs state
72.2%Origination rate+16.48 pts vs state
6.63%Median rate-0.13 pts vs state
0.25Rate spread (pts)-0.03 pts vs state
$144kMedian applicant income
1,060Loans originated
68Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,523 | 1,010 | 10.0% | 6.75% | #40 |
| 2024 | 1,438 | 1,066 | 6.1% | 6.75% | #45 |
| 2025 | 1,469 | 1,060 | 4.6% | 6.63% | #49 |
What Prosperity 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 Prosperity Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 198 | 151 | 9 | 4.5% |
| Burlington County | 190 | 151 | 6 | 3.2% |
| Atlantic County | 175 | 124 | 9 | 5.1% |
| Gloucester County | 151 | 117 | 7 | 4.6% |
| Cape May County | 141 | 99 | 3 | 2.1% |
| Ocean County | 87 | 64 | 2 | 2.3% |
| Monmouth County | 87 | 56 | 6 | 6.9% |
| Mercer County | 79 | 55 | 1 | 1.3% |
| Middlesex County | 67 | 42 | 6 | 9.0% |
| Cumberland County | 48 | 32 | 5 | 10.4% |
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: 1,469 applications in 2025, of which 1,060 were originated and 68 denied.
4.6% of all applications, or 6.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Prosperity Home Mortgage originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Prosperity 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