Semper Home Loans in New Jersey vs the state
11.8%Denial rate-5.93 pts vs state
12.5%Decision denial rate-10.55 pts vs state
82.4%Origination rate+26.67 pts vs state
6.69%Median rate-0.06 pts vs state
0.72Rate spread (pts)+0.44 pts vs state
$103kMedian applicant income
14Loans originated
2Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 20.0% | 6.19% | #525 |
| 2024 | 27 | 14 | 0.0% | 6.63% | #414 |
| 2025 | 17 | 14 | 11.8% | 6.69% | #467 |
What Semper Home Loans lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Semper Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Sussex County | 4 | 3 | 0 | 0.0% |
| Passaic County | 3 | 3 | 0 | 0.0% |
| Bergen County | 2 | 2 | 0 | 0.0% |
| Morris County | 2 | 2 | 0 | 0.0% |
| Somerset County | 2 | 1 | 1 | 50.0% |
| Middlesex County | 1 | 0 | 1 | 100.0% |
| Mercer County | 1 | 1 | 0 | 0.0% |
| Burlington County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 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: 17 applications in 2025, of which 14 were originated and 2 denied.
11.8% of all applications, or 12.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Semper Home Loans originated in New Jersey in 2025 was 6.69%, against a statewide median of 6.75%.
About this data. Figures are Semper Home Loans'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