United Shore Financial Services in New Jersey vs the state
15.3%Denial rate-2.37 pts vs state
18.2%Decision denial rate-4.84 pts vs state
67.1%Origination rate+11.45 pts vs state
6.38%Median rate-0.38 pts vs state
0.15Rate spread (pts)-0.13 pts vs state
$140kMedian applicant income
7,084Loans originated
1,617Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,074 | 4,898 | 13.6% | 6.71% | #8 |
| 2024 | 8,798 | 6,114 | 14.0% | 6.62% | #8 |
| 2025 | 10,552 | 7,084 | 15.3% | 6.38% | #7 |
What United Shore Financial 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 United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 1,458 | 1,057 | 167 | 11.5% |
| Ocean County | 991 | 670 | 141 | 14.2% |
| Bergen County | 920 | 619 | 143 | 15.5% |
| Essex County | 883 | 530 | 202 | 22.9% |
| Monmouth County | 760 | 531 | 91 | 12.0% |
| Union County | 611 | 406 | 99 | 16.2% |
| Morris County | 602 | 456 | 68 | 11.3% |
| Burlington County | 597 | 400 | 86 | 14.4% |
| Passaic County | 546 | 344 | 95 | 17.4% |
| Hudson County | 525 | 335 | 107 | 20.4% |
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% |
| 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% |
| Pennymac Loan Services | C | 6,343 | 12.9% | 6.62% |
Frequently asked questions
New Jersey: 10,552 applications in 2025, of which 7,084 were originated and 1,617 denied.
15.3% of all applications, or 18.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans United Shore Financial Services originated in New Jersey in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are United Shore Financial 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