Zillow Home Loans in New Jersey vs the state
7.9%Denial rate-9.81 pts vs state
10.2%Decision denial rate-12.89 pts vs state
66.7%Origination rate+10.99 pts vs state
6.50%Median rate-0.25 pts vs state
0.27Rate spread (pts)-0.01 pts vs state
$126kMedian applicant income
110Loans originated
13Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 44 | 27 | 4.6% | 6.75% | #351 |
| 2024 | 95 | 68 | 9.5% | 6.50% | #260 |
| 2025 | 165 | 110 | 7.9% | 6.50% | #214 |
What Zillow Home Loans lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Burlington County | 39 | 27 | 3 | 7.7% |
| Camden County | 33 | 26 | 1 | 3.0% |
| Gloucester County | 16 | 13 | 2 | 12.5% |
| Ocean County | 11 | 8 | 0 | 0.0% |
| Mercer County | 9 | 4 | 0 | 0.0% |
| Bergen County | 6 | 4 | 1 | 16.7% |
| Morris County | 6 | 4 | 1 | 16.7% |
| Monmouth County | 6 | 3 | 0 | 0.0% |
| Essex County | 5 | 4 | 0 | 0.0% |
| Hudson County | 5 | 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: 165 applications in 2025, of which 110 were originated and 13 denied.
7.9% of all applications, or 10.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Zillow Home Loans originated in New Jersey in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Zillow Home Loans'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