Jersey Shore mortgage approval rate & lending review
Jersey Shore decided 342 mortgage applications and funded 256 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Jersey Shore reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Jersey Shore at a glance
Approval is 14.0 points above the 68.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 100% | 30 / 30 | 93% | $195K | 28 |
| Home improvement loans | 77% | 168 / 219 | 91% | $45K | 153 |
| Refinance | 92% | 73 / 79 | 90% | $75K | 66 |
Jersey Shore lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 82% | $45K | 340 | 254 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Jersey Shore lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Atlantic County, NJ | Home improvement loans | 74% | 191 | 130 |
| Atlantic County, NJ | Refinance | 93% | 67 | 57 |
The county markets where Jersey Shore made the most loans. Each link opens that market with every lender ranked.
Questions about Jersey Shore
What is Jersey Shore's mortgage approval rate?
Jersey Shore approved 82.2% of the 342 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.0 points above the 68.1% national rate for the same mix of loan types.
How often do borrowers take the loan Jersey Shore offers?
Borrowers accepted 91% of the loans Jersey Shore approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Jersey Shore make?
The typical home improvement loan loan Jersey Shore made was $45K; across all loan types its typical loan ran from $45K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Jersey Shore lend?
Jersey Shore decided applications in 3 of the states Fat Boy Data covers, most of them in New Jersey, Florida and Tennessee.
Can I apply to Jersey Shore directly?
Yes. Jersey Shore is a bank or credit union with 5 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Jersey Shore's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Jersey Shore treats applications, then get a rate quote from the lender.