Wilmington Savings Fund Society in New Jersey vs the state
19.4%Denial rate+1.66 pts vs state
22.7%Decision denial rate-0.33 pts vs state
64.3%Origination rate+8.63 pts vs state
7.25%Median rate+0.50 pts vs state
0.05Rate spread (pts)-0.23 pts vs state
$116kMedian applicant income
555Loans originated
167Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 619 | 354 | 25.5% | 7.75% | #83 |
| 2024 | 785 | 474 | 23.3% | 8.00% | #73 |
| 2025 | 863 | 555 | 19.4% | 7.25% | #70 |
What Wilmington Savings Fund Society lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Wilmington Savings Fund Society applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burlington County | 416 | 258 | 89 | 21.4% |
| Camden County | 129 | 78 | 33 | 25.6% |
| Cape May County | 89 | 70 | 7 | 7.9% |
| Atlantic County | 77 | 46 | 11 | 14.3% |
| Gloucester County | 53 | 35 | 9 | 17.0% |
| Ocean County | 18 | 12 | 3 | 16.7% |
| Mercer County | 13 | 8 | 3 | 23.1% |
| Middlesex County | 11 | 8 | 1 | 9.1% |
| Cumberland County | 10 | 7 | 2 | 20.0% |
| Monmouth County | 9 | 7 | 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: 863 applications in 2025, of which 555 were originated and 167 denied.
19.4% of all applications, or 22.7% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Wilmington Savings Fund Society originated in New Jersey in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Wilmington Savings Fund Society'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