21ST Mortgage
Knoxville, TN · What the federal mortgage record shows about how 21ST Mortgage treated New Jersey applicants, 2018–2025 — 1,422 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 1,422 New Jersey applications 21ST Mortgage approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, 21ST Mortgage’s rates ran +4.46 pp higher than the typical New Jersey lender (average rate spread +4.68 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who 21ST Mortgage approves
Thin.
Why 21ST Mortgage denied applications
Where 21ST Mortgage lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Cumberland County | 190 | 19.5% |
| Monmouth County | 185 | 20.5% |
| Ocean County | 166 | 28.3% |
| Gloucester County | 156 | 16.0% |
| Burlington County | 120 | 21.7% |
| Atlantic County | 101 | 25.7% |
| Salem County | 98 | 33.7% |
| Middlesex County | 93 | 28.0% |
Compare 21ST Mortgage to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by 21ST Mortgage (LEI 549300XQVJ1XBNFA5536). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →