United Mortgage in New Jersey vs the state
4.9%Denial rate-12.76 pts vs state
5.8%Decision denial rate-17.29 pts vs state
63.6%Origination rate+7.92 pts vs state
6.75%Median rate0.00 pts vs state
0.60Rate spread (pts)+0.31 pts vs state
$134kMedian applicant income
297Loans originated
23Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 510 | 273 | 2.9% | 6.88% | #95 |
| 2024 | 413 | 269 | 2.7% | 6.75% | #115 |
| 2025 | 467 | 297 | 4.9% | 6.75% | #125 |
What United 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 United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ocean County | 104 | 76 | 2 | 1.9% |
| Essex County | 61 | 29 | 6 | 9.8% |
| Middlesex County | 40 | 30 | 1 | 2.5% |
| Bergen County | 40 | 28 | 0 | 0.0% |
| Passaic County | 38 | 23 | 1 | 2.6% |
| Monmouth County | 33 | 20 | 2 | 6.1% |
| Hudson County | 30 | 11 | 2 | 6.7% |
| Union County | 30 | 17 | 3 | 10.0% |
| Morris County | 18 | 16 | 0 | 0.0% |
| Atlantic County | 12 | 9 | 2 | 16.7% |
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: 467 applications in 2025, of which 297 were originated and 23 denied.
4.9% of all applications, or 5.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans United Mortgage originated in New Jersey in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are United 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