Resicentral in New Jersey vs the state
3.9%Denial rate-13.81 pts vs state
6.3%Decision denial rate-16.80 pts vs state
52.9%Origination rate-2.77 pts vs state
6.49%Median rate-0.26 pts vs state
0.18Rate spread (pts)-0.10 pts vs state
$158kMedian applicant income
109Loans originated
8Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 32 | 18 | 6.3% | 6.88% | #391 |
| 2024 | 200 | 108 | 5.5% | 6.63% | #193 |
| 2025 | 206 | 109 | 3.9% | 6.49% | #194 |
What Resicentral lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Resicentral applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morris County | 29 | 18 | 0 | 0.0% |
| Middlesex County | 23 | 12 | 2 | 8.7% |
| Bergen County | 21 | 11 | 1 | 4.8% |
| Essex County | 20 | 10 | 1 | 5.0% |
| Union County | 18 | 4 | 0 | 0.0% |
| Passaic County | 15 | 9 | 1 | 6.7% |
| Camden County | 12 | 10 | 0 | 0.0% |
| Ocean County | 12 | 8 | 0 | 0.0% |
| Monmouth County | 12 | 5 | 0 | 0.0% |
| Sussex County | 11 | 5 | 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: 206 applications in 2025, of which 109 were originated and 8 denied.
3.9% of all applications, or 6.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Resicentral originated in New Jersey in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Resicentral'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