Get A Rate LLC Mortgage Lending & HMDA Data, 2021
In 2021, Get A Rate LLC of Hackensack, NJ reported 2,259 mortgage applications totaling $794.8 million, up 23% from 2020. The average application was for $351,843, and applicants reported an average income of $154,293. 51% of its applications resulted in an originated loan and 11% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (682), Newark, NJ-PA (394) and New York-Newark, NY (355) (applications in parentheses).
| Mortgage Company & Address | Get A Rate LLC 411 Hackensack Ave Suite 104 Hackensack, NJ 07601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2021 2020 |
| Total Number of Mortgage Applications | 2,259 |
| Total Mortgage Loan Application Amount | $794,815,000 |
| Average Mortgage Loan Application Amount | $351,843 |
| Highest Mortgage Loan Application Amount | $1,995,000 |
| Average Applicant Income | $154,293 |
| Highest Applicant Income | $4,560,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Get A Rate LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bergen, New Jersey | 392 | $ 154,390,000 | $ 393,852 | $ 159,000 |
| Passaic, New Jersey | 177 | $ 63,105,000 | $ 356,525 | $ 128,000 |
| Middlesex, New Jersey | 142 | $ 45,460,000 | $ 320,140 | $ 177,000 |
| Essex, New Jersey | 120 | $ 45,520,000 | $ 379,333 | $ 156,000 |
| Hudson, New Jersey | 113 | $ 49,435,000 | $ 437,477 | $ 173,000 |
| Morris, New Jersey | 112 | $ 41,100,000 | $ 366,964 | $ 163,000 |
| Union, New Jersey | 89 | $ 30,255,000 | $ 339,943 | $ 135,000 |
| Ocean, New Jersey | 80 | $ 24,870,000 | $ 310,875 | $ 136,000 |
| Monmouth, New Jersey | 78 | $ 28,670,000 | $ 367,564 | $ 159,000 |
| San Bernardino, California | 62 | $ 19,860,000 | $ 320,322 | $ 102,000 |
| Somerset, New Jersey | 55 | $ 19,015,000 | $ 345,727 | $ 180,000 |
| Burlington, New Jersey | 50 | $ 13,400,000 | $ 268,000 | $ 136,000 |
| Sussex, New Jersey | 46 | $ 15,640,000 | $ 340,000 | $ 144,000 |
| Los Angeles, California | 31 | $ 13,105,000 | $ 422,741 | $ 132,000 |
| Mercer, New Jersey | 24 | $ 7,800,000 | $ 325,000 | $ 145,000 |
| Hunterdon, New Jersey | 23 | $ 7,415,000 | $ 322,391 | $ 198,000 |
| Camden, New Jersey | 21 | $ 5,825,000 | $ 277,380 | $ 119,000 |
| Gloucester, New Jersey | 21 | $ 5,895,000 | $ 280,714 | $ 144,000 |
| Broward, Florida | 20 | $ 6,960,000 | $ 348,000 | $ 105,000 |
| Atlantic, New Jersey | 20 | $ 5,140,000 | $ 257,000 | $ 149,000 |
| Cook, Illinois | 19 | $ 5,375,000 | $ 282,894 | $ 77,000 |
| Riverside, California | 16 | $ 5,070,000 | $ 316,875 | $ 122,000 |
| Cape May, New Jersey | 16 | $ 6,170,000 | $ 385,625 | $ 207,000 |
| Warren, New Jersey | 16 | $ 3,860,000 | $ 241,250 | $ 536,000 |
| Miami-Dade, Florida | 13 | $ 5,775,000 | $ 444,230 | $ 262,000 |
| Lee, Florida | 12 | $ 2,920,000 | $ 243,333 | $ 142,000 |
| Orange, California | 10 | $ 3,930,000 | $ 393,000 | $ 159,000 |
| Fulton, Georgia | 10 | $ 2,860,000 | $ 286,000 | $ 271,000 |
| Palm Beach, Florida | 9 | $ 3,395,000 | $ 377,222 | $ 164,000 |
| Cobb, Georgia | 8 | $ 2,680,000 | $ 335,000 | $ 219,000 |
| Forsyth, Georgia | 8 | $ 2,700,000 | $ 337,500 | $ 121,000 |
| Gwinnett, Georgia | 6 | $ 1,610,000 | $ 268,333 | $ 127,000 |
| Alameda, California | 5 | $ 2,485,000 | $ 497,000 | $ 256,000 |
| Kern, California | 5 | $ 1,105,000 | $ 221,000 | $ 59,000 |
| San Diego, California | 5 | $ 1,915,000 | $ 383,000 | $ 113,000 |
| Litchfield, Connecticut | 5 | $ 1,135,000 | $ 227,000 | $ 110,000 |
| Hillsborough, Florida | 5 | $ 1,435,000 | $ 287,000 | $ 81,000 |
| Orange, Florida | 5 | $ 1,145,000 | $ 229,000 | $ 122,000 |
| Polk, Florida | 5 | $ 1,315,000 | $ 263,000 | $ 57,000 |
| DeKalb, Georgia | 5 | $ 1,525,000 | $ 305,000 | $ 94,000 |
| Comal, Texas | 5 | $ 1,675,000 | $ 335,000 | $ 100,000 |
| Brevard, Florida | 4 | $ 1,350,000 | $ 337,500 | $ 137,000 |
| Collier, Florida | 4 | $ 1,900,000 | $ 475,000 | $ 285,000 |
| Osceola, Florida | 4 | $ 1,460,000 | $ 365,000 | $ 272,000 |
| Hall, Georgia | 4 | $ 1,060,000 | $ 265,000 | $ 102,000 |
| Pike, Pennsylvania | 4 | $ 1,000,000 | $ 250,000 | $ 201,000 |
| Fresno, California | 3 | $ 805,000 | $ 268,333 | $ 183,000 |
| Nevada, California | 3 | $ 1,045,000 | $ 348,333 | $ 100,000 |
| Sacramento, California | 3 | $ 805,000 | $ 268,333 | $ 81,000 |
| Solano, California | 3 | $ 1,475,000 | $ 491,666 | $ 104,000 |
| Duval, Florida | 3 | $ 745,000 | $ 248,333 | $ 68,000 |
| Seminole, Florida | 3 | $ 875,000 | $ 291,666 | $ 132,000 |
| St. Johns, Florida | 3 | $ 715,000 | $ 238,333 | $ 89,000 |
| DuPage, Illinois | 3 | $ 825,000 | $ 275,000 | $ 99,000 |
| Cumberland, New Jersey | 3 | $ 775,000 | $ 258,333 | $ 79,000 |
| Salem, New Jersey | 3 | $ 935,000 | $ 311,666 | $ 114,000 |
| Contra Costa, California | 2 | $ 1,330,000 | $ 665,000 | $ 144,000 |
| Merced, California | 2 | $ 410,000 | $ 205,000 | $ 83,000 |
| San Luis Obispo, California | 2 | $ 480,000 | $ 240,000 | $ 46,000 |
| Fairfield, Connecticut | 2 | $ 870,000 | $ 435,000 | $ 135,000 |
| New Haven, Connecticut | 2 | $ 830,000 | $ 415,000 | $ 145,000 |
| Clay, Florida | 2 | $ 930,000 | $ 465,000 | $ 140,000 |
| Lake, Florida | 2 | $ 670,000 | $ 335,000 | $ 81,000 |
| Nassau, Florida | 2 | $ 410,000 | $ 205,000 | $ 37,000 |
| Pasco, Florida | 2 | $ 390,000 | $ 195,000 | $ 105,000 |
| Pinellas, Florida | 2 | $ 450,000 | $ 225,000 | $ 103,000 |
| Douglas, Georgia | 2 | $ 330,000 | $ 165,000 | $ 51,000 |
| Effingham, Georgia | 2 | $ 480,000 | $ 240,000 | $ 126,000 |
| Newton, Georgia | 2 | $ 470,000 | $ 235,000 | $ 76,000 |
| Walton, Georgia | 2 | $ 760,000 | $ 380,000 | $ 98,000 |
| Chester, Pennsylvania | 2 | $ 760,000 | $ 380,000 | $ 205,000 |
| Dauphin, Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 173,000 |
| Monroe, Pennsylvania | 2 | $ 470,000 | $ 235,000 | $ 122,000 |
| Calaveras, California | 1 | $ 495,000 | $ 495,000 | $ 98,000 |
| Humboldt, California | 1 | $ 255,000 | $ 255,000 | $ 87,000 |
| Madera, California | 1 | $ 535,000 | $ 535,000 | $ 60,000 |
| Napa, California | 1 | $ 485,000 | $ 485,000 | $ 76,000 |
| Tulare, California | 1 | $ 125,000 | $ 125,000 | $ 159,000 |
| Charlotte, Florida | 1 | $ 325,000 | $ 325,000 | $ 161,000 |
| Flagler, Florida | 1 | $ 255,000 | $ 255,000 | $ 69,000 |
| Hernando, Florida | 1 | $ 215,000 | $ 215,000 | $ 68,000 |
| Highlands, Florida | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Indian River, Florida | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Manatee, Florida | 1 | $ 255,000 | $ 255,000 | $ 135,000 |
| Marion, Florida | 1 | $ 175,000 | $ 175,000 | $ 169,000 |
| Martin, Florida | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Monroe, Florida | 1 | $ 605,000 | $ 605,000 | $ 192,000 |
| Okaloosa, Florida | 1 | $ 265,000 | $ 265,000 | $ 95,000 |
| Santa Rosa, Florida | 1 | $ 325,000 | $ 325,000 | $ 145,000 |
| St. Lucie, Florida | 1 | $ 335,000 | $ 335,000 | $ 275,000 |
| Volusia, Florida | 1 | $ 175,000 | $ 175,000 | $ 32,000 |
| Chatham, Georgia | 1 | $ 215,000 | $ 215,000 | $ 151,000 |
| Cherokee, Georgia | 1 | $ 165,000 | $ 165,000 | $ 51,000 |
| Clayton, Georgia | 1 | $ 245,000 | $ 245,000 | $ 68,000 |
| Coffee, Georgia | 1 | $ 295,000 | $ 295,000 | $ 121,000 |
| Grady, Georgia | 1 | $ 225,000 | $ 225,000 | $ 39,000 |
| Greene, Georgia | 1 | $ 545,000 | $ 545,000 | $ 391,000 |
| Habersham, Georgia | 1 | $ 205,000 | $ 205,000 | $ 64,000 |
| Henry, Georgia | 1 | $ 185,000 | $ 185,000 | $ 68,000 |
| Madison, Georgia | 1 | $ 325,000 | $ 325,000 | $ 104,000 |
| Kane, Illinois | 1 | $ 205,000 | $ 205,000 | $ 35,000 |
| Kendall, Illinois | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Lake, Illinois | 1 | $ 195,000 | $ 195,000 | $ 56,000 |
| McHenry, Illinois | 1 | $ 215,000 | $ 215,000 | $ 48,000 |
| Will, Illinois | 1 | $ 295,000 | $ 295,000 | $ 87,000 |
| Cumberland, Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 108,000 |
| Northampton, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 356,000 |
| Philadelphia, Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 80,000 |
| Susquehanna, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 130,000 |
| Wayne, Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 115,000 |
| Berkeley, South Carolina | 1 | $ 175,000 | $ 175,000 | $ 57,000 |
| York, South Carolina | 1 | $ 245,000 | $ 245,000 | $ 109,000 |
| Bexar, Texas | 1 | $ 145,000 | $ 145,000 | $ 72,000 |
| Cooke, Texas | 1 | $ 335,000 | $ 335,000 | $ 297,000 |
| Dallas, Texas | 1 | $ 345,000 | $ 345,000 | $ 112,000 |
| Denton, Texas | 1 | $ 495,000 | $ 495,000 | $ 129,000 |
| Fort Bend, Texas | 1 | $ 245,000 | $ 245,000 | $ 100,000 |
| Guadalupe, Texas | 1 | $ 995,000 | $ 995,000 | $ 188,000 |
| Rains, Texas | 1 | $ 305,000 | $ 305,000 | $ 120,000 |
| Williamson, Texas | 1 | $ 445,000 | $ 445,000 | $ 167,000 |
| Franklin, Washington | 1 | $ 345,000 | $ 345,000 | $ 136,000 |
| Spokane, Washington | 1 | $ 255,000 | $ 255,000 | $ 119,000 |
Mortgage Loan Application Detail Totals for Get A Rate LLC in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 1,063 | $362,485,000 | $341,000 | $1,995,000 | $160,000 | $2,828,000 |
| Cash-out Refinancing | 642 | $215,360,000 | $335,000 | $1,585,000 | $152,000 | $2,538,000 |
| Home Purchase | 554 | $216,970,000 | $391,000 | $1,285,000 | $146,000 | $4,560,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 952 | $331,480,000 | $348,000 | $1,585,000 | $162,000 | $4,560,000 |
| Not Provided | 482 | $171,500,000 | $355,000 | $1,265,000 | $152,000 | $1,932,000 |
| Hispanic | 440 | $149,790,000 | $340,000 | $995,000 | $123,000 | $1,569,000 |
| Asian | 249 | $95,705,000 | $384,000 | $1,995,000 | $175,000 | $1,866,000 |
| Black or African American | 80 | $24,670,000 | $308,000 | $665,000 | $118,000 | $709,000 |
| American Indian or Alaskan Native | 8 | $2,430,000 | $303,000 | $595,000 | $335,000 | $1,346,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $245,000 | $245,000 | $245,000 | $77,000 | $77,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,903 | $663,295,000 | $348,000 | $1,995,000 | $163,000 | $4,560,000 |
| FHA-insured (Federal Housing Administration) | 289 | $105,435,000 | $364,000 | $915,000 | $99,000 | $1,932,000 |
| VA-guaranteed (Veterans Administration) | 64 | $24,580,000 | $384,000 | $995,000 | $136,000 | $2,538,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 3 | $1,505,000 | $501,000 | $915,000 | $91,000 | $120,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,141 | $398,475,000 | $349,000 | $995,000 | $144,000 | $896,000 |
| Application Withdrawn By Applicant | 636 | $228,360,000 | $359,000 | $1,285,000 | $189,000 | $4,560,000 |
| Application Denied By Financial Institution | 242 | $81,690,000 | $337,000 | $955,000 | $104,000 | $726,000 |
| Application Approved But Not Accepted | 175 | $64,785,000 | $370,000 | $1,995,000 | $182,000 | $2,828,000 |
| File Closed For Incompleteness | 52 | $16,810,000 | $323,000 | $765,000 | $103,000 | $392,000 |
| Preapproval Approved but not Accepted | 8 | $2,980,000 | $372,000 | $825,000 | $121,000 | $339,000 |
| Preapproval Denied by Financial Institution | 5 | $1,715,000 | $343,000 | $495,000 | $79,000 | $166,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 2,012 | $711,410,000 | $353,000 | $1,995,000 | $160,000 | $4,560,000 |
| Debt-To-Income Ratio | 152 | $53,720,000 | $353,000 | $955,000 | $94,000 | $726,000 |
| Credit History | 50 | $15,820,000 | $316,000 | $865,000 | $126,000 | $700,000 |
| Other | 23 | $7,245,000 | $315,000 | $555,000 | $103,000 | $384,000 |
| Collateral | 16 | $4,930,000 | $308,000 | $725,000 | $137,000 | $352,000 |
| Unverifiable Information | 4 | $1,180,000 | $295,000 | $385,000 | $34,000 | $136,000 |
| Employment History | 2 | $510,000 | $255,000 | $285,000 | $111,000 | $162,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Get A Rate LLC's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Get A Rate LLC's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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