Total Mortgage Services in New Jersey vs the state
3.5%Denial rate-14.17 pts vs state
4.3%Decision denial rate-18.78 pts vs state
78.9%Origination rate+23.19 pts vs state
6.88%Median rate+0.13 pts vs state
0.35Rate spread (pts)+0.06 pts vs state
$191kMedian applicant income
112Loans originated
5Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 39 | 14.1% | 6.75% | #286 |
| 2024 | 70 | 50 | 5.7% | 6.75% | #304 |
| 2025 | 142 | 112 | 3.5% | 6.88% | #229 |
What Total Mortgage Services lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Total Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 43 | 35 | 2 | 4.7% |
| Morris County | 32 | 28 | 0 | 0.0% |
| Sussex County | 17 | 13 | 1 | 5.9% |
| Passaic County | 10 | 8 | 0 | 0.0% |
| Essex County | 8 | 4 | 1 | 12.5% |
| Monmouth County | 5 | 3 | 0 | 0.0% |
| Mercer County | 4 | 2 | 1 | 25.0% |
| Warren County | 4 | 4 | 0 | 0.0% |
| Union County | 4 | 2 | 0 | 0.0% |
| Somerset County | 3 | 3 | 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: 142 applications in 2025, of which 112 were originated and 5 denied.
3.5% of all applications, or 4.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Total Mortgage Services originated in New Jersey in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Total Mortgage Services'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