Stg Mortgage in New Jersey vs the state
7.7%Denial rate-10.04 pts vs state
14.4%Decision denial rate-8.62 pts vs state
39.9%Origination rate-15.79 pts vs state
6.63%Median rate-0.13 pts vs state
0.42Rate spread (pts)+0.14 pts vs state
$160kMedian applicant income
73Loans originated
14Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 16 | 9 | 0.0% | 7.63% | #470 |
| 2024 | 72 | 47 | 2.8% | 6.88% | #300 |
| 2025 | 183 | 73 | 7.7% | 6.63% | #205 |
What Stg 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 Stg Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 35 | 19 | 3 | 8.6% |
| Passaic County | 20 | 11 | 2 | 10.0% |
| Essex County | 19 | 5 | 4 | 21.1% |
| Burlington County | 15 | 2 | 2 | 13.3% |
| Middlesex County | 15 | 7 | 0 | 0.0% |
| Ocean County | 13 | 6 | 0 | 0.0% |
| Hudson County | 12 | 3 | 1 | 8.3% |
| Monmouth County | 8 | 2 | 1 | 12.5% |
| Union County | 8 | 1 | 0 | 0.0% |
| Mercer County | 7 | 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: 183 applications in 2025, of which 73 were originated and 14 denied.
7.7% of all applications, or 14.4% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Stg Mortgage originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Stg 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