United Teletech Financial in New Jersey vs the state
21.4%Denial rate+3.74 pts vs state
21.9%Decision denial rate-1.20 pts vs state
76.6%Origination rate+20.94 pts vs state
6.50%Median rate-0.25 pts vs state
0.70Rate spread (pts)+0.41 pts vs state
$160kMedian applicant income
118Loans originated
33Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 242 | 147 | 38.4% | 7.25% | #160 |
| 2024 | 157 | 112 | 24.2% | 8.00% | #215 |
| 2025 | 154 | 118 | 21.4% | 6.50% | #219 |
What United Teletech Financial 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 Teletech Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monmouth County | 92 | 75 | 14 | 15.2% |
| Ocean County | 23 | 15 | 8 | 34.8% |
| Middlesex County | 22 | 14 | 8 | 36.4% |
| Mercer County | 5 | 4 | 1 | 20.0% |
| Somerset County | 4 | 3 | 1 | 25.0% |
| Union County | 3 | 2 | 1 | 33.3% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Burlington County | 2 | 2 | 0 | 0.0% |
| Passaic County | 1 | 1 | 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: 154 applications in 2025, of which 118 were originated and 33 denied.
21.4% of all applications, or 21.9% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans United Teletech Financial originated in New Jersey in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are United Teletech Financial'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