Stifel Bank and Trust in New Jersey vs the state
2.1%Denial rate-15.55 pts vs state
2.4%Decision denial rate-20.65 pts vs state
85.0%Origination rate+29.32 pts vs state
6.25%Median rate-0.50 pts vs state
0.00Rate spread (pts)-0.28 pts vs state
$276kMedian applicant income
119Loans originated
3Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 108 | 98 | 1.9% | 6.06% | #240 |
| 2024 | 104 | 98 | 1.9% | 6.38% | #250 |
| 2025 | 140 | 119 | 2.1% | 6.25% | #230 |
What Stifel Bank and Trust lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Stifel Bank and Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monmouth County | 32 | 28 | 2 | 6.3% |
| Mercer County | 15 | 14 | 0 | 0.0% |
| Bergen County | 15 | 14 | 0 | 0.0% |
| Morris County | 14 | 12 | 0 | 0.0% |
| Ocean County | 9 | 7 | 1 | 11.1% |
| Essex County | 8 | 8 | 0 | 0.0% |
| Hudson County | 8 | 7 | 0 | 0.0% |
| Cape May County | 7 | 5 | 0 | 0.0% |
| Union County | 7 | 6 | 0 | 0.0% |
| Sussex County | 4 | 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: 140 applications in 2025, of which 119 were originated and 3 denied.
2.1% of all applications, or 2.4% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Stifel Bank and Trust originated in New Jersey in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Stifel Bank and Trust'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