Self Reliance NY in New Jersey vs the state
6.8%Denial rate-10.91 pts vs state
7.4%Decision denial rate-15.64 pts vs state
84.8%Origination rate+29.07 pts vs state
6.13%Median rate-0.63 pts vs state
-0.23Rate spread (pts)-0.51 pts vs state
$174kMedian applicant income
50Loans originated
4Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 15 | 5.6% | 5.60% | #460 |
| 2024 | 23 | 18 | 17.4% | 6.01% | #432 |
| 2025 | 59 | 50 | 6.8% | 6.13% | #335 |
What Self Reliance NY lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Self Reliance NY applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mercer County | 12 | 10 | 0 | 0.0% |
| Bergen County | 8 | 8 | 0 | 0.0% |
| Hudson County | 5 | 2 | 2 | 40.0% |
| Atlantic County | 5 | 4 | 1 | 20.0% |
| Cumberland County | 4 | 4 | 0 | 0.0% |
| Cape May County | 3 | 2 | 0 | 0.0% |
| Gloucester County | 3 | 3 | 0 | 0.0% |
| Burlington County | 3 | 3 | 0 | 0.0% |
| Union County | 2 | 2 | 0 | 0.0% |
| Salem County | 2 | 2 | 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: 59 applications in 2025, of which 50 were originated and 4 denied.
6.8% of all applications, or 7.4% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Self Reliance NY originated in New Jersey in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Self Reliance NY'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