Reliable Holdings Manager dba Lendz Financial in New Jersey vs the state
1.8%Denial rate-15.90 pts vs state
2.6%Decision denial rate-20.49 pts vs state
67.9%Origination rate+12.18 pts vs state
7.75%Median rate+1.00 pts vs state
1.58Rate spread (pts)+1.30 pts vs state
$166kMedian applicant income
38Loans originated
1Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 17 | 12 | 29.4% | 7.88% | #462 |
| 2025 | 56 | 38 | 1.8% | 7.75% | #340 |
What Reliable Holdings Manager dba Lendz Financial lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Reliable Holdings Manager dba Lendz Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 10 | 5 | 0 | 0.0% |
| Sussex County | 10 | 10 | 0 | 0.0% |
| Hudson County | 6 | 1 | 0 | 0.0% |
| Bergen County | 6 | 3 | 0 | 0.0% |
| Passaic County | 6 | 5 | 1 | 16.7% |
| Union County | 4 | 3 | 0 | 0.0% |
| Middlesex County | 4 | 3 | 0 | 0.0% |
| Camden County | 2 | 2 | 0 | 0.0% |
| Atlantic County | 2 | 1 | 0 | 0.0% |
| Morris County | 2 | 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: 56 applications in 2025, of which 38 were originated and 1 denied.
1.8% of all applications, or 2.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Reliable Holdings Manager dba Lendz Financial originated in New Jersey in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Reliable Holdings Manager dba Lendz Financial'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