2025 · New Jersey
In 2025, 17,612 investment-property loans worth $7.6B were originated on single-family 1-4 unit homes in New Jersey. Here's how those terms compared to the rest of the country.
Investor rate premium
88 bps
U.S. median: 76 bps
Denial rate
18.2%
U.S. median: 17.5%
DSCR / business-purpose
82%
U.S. median: 72%
Median LTV
71%
U.S. median: 74%
Since 2024 in New Jersey
Rate premium
100 bps → 88 bps
-12 bpsInvestor loans
14,283 → 17,612
+23.3%Denial rate
18.5% → 18.2%
-0.3 ptsDSCR / business-purpose
79% → 82%
+2.8 ptsInvestors in New Jersey borrowed at a median rate of 7.375%, versus 6.5% for owner-occupants — a 88 bps premium that ranks 14th of 51 states.
Their applications were denied 18.2% of the time. The leading reasons for denial were collateral, other, debt-to-income ratio.
82% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 28% were cash-out refinances. The typical loan-to-value was 71%, implying about 29% down.
In 2025, the median investment-property loan in New Jersey carried a rate of 7.375% versus 6.5% for an owner-occupant — a premium of 88 bps. That ranks 14th of 51 states (1 = highest premium).
18.2% of investment-property applications were denied in New Jersey in 2025, the 21st-highest denial rate among the 51 states. The most common denial reasons were collateral, other, debt-to-income ratio.
82% of investor loans in New Jersey were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (3rd of 51). The median loan-to-value was 71%.
Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.