NJ Lenders
We analyzed every closed loan from NJ Lenders — 3.1k loans across 4k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
FHA · Conventional · VA · Jumbo
Place
Sound
3/5
Multi-Region · 19 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
FHA
Superstar
VA
Superstar
Jumbo
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and FHA and VA and Jumbo loans
Explore another lender or local market
Report Card
NJ Lenders performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+4.4 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
2,571 loans · 0.00% above market
Exceptional
Top 20% of lenders
5/5
FHA
355 loans · 0.43% above market
Strong
Top 40% of lenders
4/5
VA
58 loans · 0.35% below market
Strong
Top 40% of lenders
4/5
Jumbo
61 loans · 0.00% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
2,711 loans · 0.04% above market
Exceptional
Top 20% of lenders
5/5
Refinance
342 loans · 0.03% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Multi-Regional · 20 markets
Sound
Top 60% of lenders
3/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 2,571 | 84.2% | +0.004%Above | $1,955Fees | ||||
FHA Loans | 355 | 11.6% | +0.432%Above | $2,543Fees | ||||
VA Loans | 58 | 1.9% | -0.350%Below | $493Fees | ||||
Jumbo Loans | 61 | 2.0% | +0.003%Above | $606Fees |
Conventional
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume2,571
Mix84.2%
Spread
+0.004%Above
Fees
$1,955Fees
FHA Loans
OverallStrong
ProductStrong
PricingSound
Pull ThroughStrong
Volume355
Mix11.6%
Spread
+0.432%Above
Fees
$2,543Fees
VA Loans
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughStrong
Volume58
Mix1.9%
Spread
-0.350%Below
Fees
$493Fees
Jumbo Loans
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume61
Mix2.0%
Spread
+0.003%Above
Fees
$606Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 2,711 | 88.8% | +0.045%Above | $1,973Fees | ||||
Refinance | 342 | 11.2% | +0.032%Above | $1,925Fees |
Purchase
OverallStrong
ProductExceptional
PricingStrong
Pull ThroughStrong
Volume2,711
Mix88.8%
Spread
+0.045%Above
Fees
$1,973Fees
Refinance
OverallStrong
ProductStrong
PricingStrong
Pull ThroughStrong
Volume342
Mix11.2%
Spread
+0.032%Above
Fees
$1,925Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
3,053
Applications
4,025
Volume
$1 billion
Pricing & Closing
Avg Rate Spread
+0.044%
vs. market APOR
Avg Net Fees
$1,968
Origination − Credits
Pullthrough Rate
75.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$485,079
Avg Borrower Income
$199,593
Avg Property Value
$662,553
Geographic Coverage
Geographic Performance
Metro Areas
19
markets with activity
States Served
22
of 50 states + DC
Avg Place Specialization
Sound
3/5
States with Loan Originations
22Full-year 2024 · HMDALoans originated
< 1010–2020–100100–200200+None
Northeast7
CTMANHNJNYPARI
Midwest1
OH
South11
ALDCDEFLGAMDNCSCTNTXVA
West3
CACOWA
Top Metro Areas by Place Specialization Score
Showing 10 of 19 metro areas
Top States by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.