Union Home Mortgage in New Jersey vs the state
5.0%Denial rate-12.74 pts vs state
6.4%Decision denial rate-16.62 pts vs state
69.6%Origination rate+13.96 pts vs state
6.50%Median rate-0.25 pts vs state
0.14Rate spread (pts)-0.15 pts vs state
$161kMedian applicant income
773Loans originated
55Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 543 | 393 | 3.0% | 6.88% | #93 |
| 2024 | 815 | 565 | 5.2% | 6.63% | #71 |
| 2025 | 1,110 | 773 | 5.0% | 6.50% | #61 |
What Union Home 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 Union Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 139 | 95 | 8 | 5.8% |
| Middlesex County | 132 | 80 | 8 | 6.1% |
| Morris County | 104 | 80 | 0 | 0.0% |
| Union County | 85 | 59 | 2 | 2.4% |
| Atlantic County | 81 | 55 | 8 | 9.9% |
| Essex County | 80 | 52 | 4 | 5.0% |
| Ocean County | 60 | 49 | 2 | 3.3% |
| Somerset County | 59 | 47 | 0 | 0.0% |
| Passaic County | 53 | 36 | 3 | 5.7% |
| Monmouth County | 51 | 32 | 2 | 3.9% |
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: 1,110 applications in 2025, of which 773 were originated and 55 denied.
5.0% of all applications, or 6.4% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Union Home Mortgage originated in New Jersey in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Union Home 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