Sierra Pacific Mortgage Company in New Jersey vs the state
7.7%Denial rate-10.00 pts vs state
11.1%Decision denial rate-11.94 pts vs state
56.4%Origination rate+0.73 pts vs state
6.75%Median rate0.00 pts vs state
0.34Rate spread (pts)+0.06 pts vs state
$194kMedian applicant income
44Loans originated
6Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 30.0% | 6.44% | #533 |
| 2024 | 42 | 28 | 11.9% | 6.63% | #366 |
| 2025 | 78 | 44 | 7.7% | 6.75% | #297 |
What Sierra Pacific Mortgage Company lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Sierra Pacific Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 9 | 5 | 0 | 0.0% |
| Monmouth County | 8 | 3 | 0 | 0.0% |
| Bergen County | 8 | 7 | 0 | 0.0% |
| Morris County | 7 | 3 | 1 | 14.3% |
| Hudson County | 6 | 2 | 1 | 16.7% |
| Ocean County | 6 | 4 | 1 | 16.7% |
| Passaic County | 5 | 4 | 0 | 0.0% |
| Essex County | 5 | 3 | 0 | 0.0% |
| Burlington County | 5 | 2 | 1 | 20.0% |
| Union County | 3 | 1 | 1 | 33.3% |
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: 78 applications in 2025, of which 44 were originated and 6 denied.
7.7% of all applications, or 11.1% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Sierra Pacific Mortgage Company originated in New Jersey in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Sierra Pacific Mortgage Company'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