In New Jersey, the highest FHA denial rates among major lenders in 2025 belonged to Amerisave Mortgage Company (73.7%), Newrez LLC (63.7%), Carrington Mortgage Services LLC (59.4%).New Jersey’s FHA denial rate in 2025 was 24.5% across 25,487 decisioned applications — ranking #15 of 52 states. Among high-volume lenders, the lowest observed denial rate was Nation One Mortgage Corporatio at 5.1%; the highest was Amerisave Mortgage Company at 73.7%. The institutional spread inside New Jersey is 14.5×: the same FHA application faces a 5.1% observed denial rate at one high-volume door and 73.7% at another — two real endpoints of the federal record, same state, same program. Source: complete CFPB HMDA 2025 federal record.
Cells require 100+ decisioned applications. Sorted softest first. Observed rates — not endorsements.
| Lender | New Jersey FHA apps | Denial rate |
|---|---|---|
| Nation One Mortgage Corporatio | 566 | 5.1% |
| American Neighborhood Mortgage A | 530 | 5.1% |
| Crosscountry Mortgage, LLC | 1,417 | 7.3% |
| Cmg Mortgage Inc | 526 | 8.7% |
| Guaranteed Rate, Inc. | 564 | 11.7% |
| Freedom Mortgage Corporation | 1,153 | 22.0% |
| Pennymac Loan Services LLC | 1,072 | 27.1% |
| Rocket Mortgage | 1,747 | 27.2% |
| United Wholesale Mortgage | 2,133 | 29.3% |
| Loandepot.Com LLC | 756 | 30.2% |
| New American Funding, LLC. | 638 | 33.2% |
| Lakeview Loan Servicing, LLC | 585 | 57.3% |
| Carrington Mortgage Services LLC | 522 | 59.4% |
| Newrez LLC | 791 | 63.7% |
| Amerisave Mortgage Company | 533 | 73.7% |
Applications under $150K were denied 44.0% of the time versus 22.5% for loans of $250K+ — a 2.0× penalty on the smallest loans. National context: the small-loan penalty.
The Home Mortgage Disclosure Act requires every U.S. mortgage lender to report every application — outcome, amount, and denial reason — to federal regulators annually. It is government-verified, covers all lenders equally, and cannot be gamed. These tables are processed directly from that record.
Nobody. No lender pays to appear or improve its position; no ads, no referral fees, no lead sales. FinanceRateCalc is not a lender and does not compete with the institutions it measures. Rates reflect applicant mix and channel as well as underwriting appetite — a high rate is not an accusation, and a low one is not advice. Compare nationally: the top-100 table · the 15-market door map · all 52 states ranked · why each lender says no.
Reading note: lender-level denial rates describe tendencies in the observed record, not rules — individual outcomes vary with each file. Rankings can also shift with denominator choices (which application outcomes are counted); FRC's rule is published in full in the methodology, so every figure here is reproducible from the raw federal file.