United Northern Mortgage Bankers in New Jersey vs the state
2.2%Denial rate-15.47 pts vs state
3.2%Decision denial rate-19.86 pts vs state
63.0%Origination rate+7.28 pts vs state
6.63%Median rate-0.13 pts vs state
0.27Rate spread (pts)-0.01 pts vs state
$151kMedian applicant income
85Loans originated
3Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 144 | 77 | 2.8% | 6.75% | #210 |
| 2024 | 109 | 63 | 4.6% | 6.63% | #246 |
| 2025 | 135 | 85 | 2.2% | 6.63% | #237 |
What United Northern Mortgage Bankers 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 Northern Mortgage Bankers applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 29 | 20 | 1 | 3.4% |
| Passaic County | 24 | 10 | 0 | 0.0% |
| Essex County | 13 | 7 | 0 | 0.0% |
| Monmouth County | 13 | 10 | 2 | 15.4% |
| Middlesex County | 12 | 7 | 0 | 0.0% |
| Hudson County | 11 | 5 | 0 | 0.0% |
| Morris County | 10 | 9 | 0 | 0.0% |
| Ocean County | 6 | 6 | 0 | 0.0% |
| Mercer County | 5 | 3 | 0 | 0.0% |
| Union County | 4 | 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: 135 applications in 2025, of which 85 were originated and 3 denied.
2.2% of all applications, or 3.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans United Northern Mortgage Bankers originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are United Northern Mortgage Bankers'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