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Middlesex County, New Jersey · 2025

Mortgage lenders in Middlesex County, NJ: denial rates and top lenders (2025)

493 lenders acted on 26,117 mortgage applications for properties in Middlesex County in 2025. 18.3% were denied (New Jersey: 17.7%). Median rate on closed loans 6.63%; median loan $315,000; median property value $605,000.

26kApplications
18.3%Denial ratestate 17.7%
6.63%Median ratestate 6.75%
$315,000Median loan
$605,000Median property value

Largest lenders in Middlesex County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 1,7401,281 15.3%6.63%
2 United Shore Financial Services B 1,4581,057 11.5%6.37%
3 Bank of America F 1,166461 33.0%6.24%
4 Citizens Bank C 1,085652 28.8%7.40%
5 PNC Bank D 999509 30.9%7.75%
6 Crosscountry Mortgage B 888516 6.9%6.63%
7 TD Bank D 869422 27.9%7.54%
8 Newrez D 591155 22.5%7.50%
9 Pennymac Loan Services C 545266 11.7%6.62%
10 JPMorgan Chase Bank B 484250 9.5%6.31%
11 Loandepot.Com D 477311 17.2%7.13%
12 OceanFirst Bank A 461400 3.3%6.00%
13 Affinity C 420223 32.1%4.90%
14 Coastal Community Bank C 39275 3.3%10.49%
15 Spring Eq D 386107 50.3%8.63%
16 Discover Bank F 33044 48.8%8.56%
17 Broker Solutions D 31699 10.1%6.75%
18 Guaranteed Rate B 309137 6.8%6.50%
19 Provident Bank C 297150 24.6%7.00%
20 CMG Mortgage A 295165 7.5%6.63%
21 Freedom Mortgage B 286101 8.7%6.25%
22 AmeriSave Mortgage D 25185 53.0%8.25%
23 Sofi Bank D 25152 8.0%8.00%
24 Paramount Residential Mortgage Group B 243169 2.5%6.63%
25 Wells Fargo Bank B 239110 20.5%6.38%

Best approval odds in Middlesex County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Millenium Home Mortgage500.0%
2Mld Mortgage560.0%
3Bond Street Mortgage752.7%
4Absolute Home Mortgage1362.9%
5Emporium TPO603.3%
6OceanFirst Bank4433.4%
7Paramount Residential Mortgage Group1763.4%
8Guidance Residential563.6%
9American Neighborhood Mortgage Acceptance Company1323.8%
10Advisors Mortgage Group1364.4%

What Middlesex County borrowers applied for

By loan purpose

Home purchase 9,719 37% · 9.5% denied
Refinance 4,493 17% · 15.1% denied
Cash-out refinance 4,744 18% · 20.0% denied
Home improvement 3,134 12% · 31.7% denied
Other / HELOC 4,027 15% · 30.9% denied

By loan type

Conventional 22,844 87% · 18.6% denied
FHA 2,670 10% · 17.3% denied
VA 586 2% · 13.8% denied
USDA / RHS 17 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 1,982 42%
Credit history 940 20%
Collateral 620 13%
Incomplete application 570 12%
Other 306 6%
Unverifiable information 174 4%
Insufficient cash 98 2%
Employment history 32 1%

Middlesex County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202321,29010,87622.2%6.88%$275,000
202423,45712,13520.9%6.99%$295,000
202526,11714,15418.3%6.63%$315,000

Frequently asked questions

18.3% of applications in Middlesex County were denied in 2025, against 17.7% statewide in New Jersey.

Rocket Mortgage, with 1,740 applications in 2025 and a denial rate of 15.3%.

The median mortgage application in Middlesex County in 2025 was for $315,000; the median property value on originated loans was $605,000.