Royal United Mortgage in New Jersey vs the state
22.4%Denial rate+4.74 pts vs state
27.3%Decision denial rate+4.22 pts vs state
54.2%Origination rate-1.47 pts vs state
6.94%Median rate+0.19 pts vs state
0.92Rate spread (pts)+0.64 pts vs state
$65kMedian applicant income
58Loans originated
24Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 118 | 71 | 20.3% | 7.13% | #227 |
| 2024 | 134 | 79 | 28.4% | 7.00% | #230 |
| 2025 | 107 | 58 | 22.4% | 6.94% | #258 |
What Royal United 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 Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ocean County | 12 | 6 | 3 | 25.0% |
| Monmouth County | 10 | 8 | 2 | 20.0% |
| Gloucester County | 10 | 3 | 1 | 10.0% |
| Burlington County | 9 | 6 | 2 | 22.2% |
| Camden County | 9 | 8 | 0 | 0.0% |
| Cumberland County | 7 | 4 | 1 | 14.3% |
| Essex County | 7 | 4 | 3 | 42.9% |
| Mercer County | 6 | 4 | 1 | 16.7% |
| Atlantic County | 6 | 0 | 3 | 50.0% |
| Morris County | 5 | 2 | 2 | 40.0% |
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: 107 applications in 2025, of which 58 were originated and 24 denied.
22.4% of all applications, or 27.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Royal United Mortgage originated in New Jersey in 2025 was 6.94%, against a statewide median of 6.75%.
About this data. Figures are Royal United 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