Get A Rate LLC Mortgage Lending & HMDA Data, 2020
In 2020, Get A Rate LLC of Hackensack, NJ reported 1,842 mortgage applications totaling $628.4 million. The average application was for $341,123, and applicants reported an average income of $148,687. 65% of its applications resulted in an originated loan and 3% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (693), Newark, NJ-PA (406) and New York-Newark, NY (285) (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 | 1,842 |
| Total Mortgage Loan Application Amount | $628,350,000 |
| Average Mortgage Loan Application Amount | $341,123 |
| Highest Mortgage Loan Application Amount | $1,125,000 |
| Average Applicant Income | $148,687 |
| Highest Applicant Income | $2,820,000 |
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Act (HMDA) records Get A Rate LLC filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 399 | $ 154,935,000 | $ 388,308 | $ 153,000 |
| Passaic, New Jersey | 215 | $ 70,015,000 | $ 325,651 | $ 124,000 |
| Morris, New Jersey | 159 | $ 58,285,000 | $ 366,572 | $ 166,000 |
| Essex, New Jersey | 123 | $ 44,425,000 | $ 361,178 | $ 198,000 |
| Middlesex, New Jersey | 118 | $ 36,650,000 | $ 310,593 | $ 143,000 |
| San Bernardino, California | 106 | $ 31,360,000 | $ 295,849 | $ 107,000 |
| Union, New Jersey | 80 | $ 27,900,000 | $ 348,750 | $ 141,000 |
| Hudson, New Jersey | 79 | $ 34,055,000 | $ 431,075 | $ 163,000 |
| Monmouth, New Jersey | 69 | $ 25,215,000 | $ 365,434 | $ 168,000 |
| Somerset, New Jersey | 53 | $ 19,625,000 | $ 370,283 | $ 178,000 |
| Ocean, New Jersey | 45 | $ 11,705,000 | $ 260,111 | $ 113,000 |
| Burlington, New Jersey | 33 | $ 8,705,000 | $ 263,787 | $ 176,000 |
| Sussex, New Jersey | 33 | $ 9,105,000 | $ 275,909 | $ 180,000 |
| Riverside, California | 20 | $ 6,520,000 | $ 326,000 | $ 122,000 |
| Mercer, New Jersey | 19 | $ 6,495,000 | $ 341,842 | $ 153,000 |
| Los Angeles, California | 15 | $ 6,475,000 | $ 431,666 | $ 140,000 |
| Orange, California | 15 | $ 5,255,000 | $ 350,333 | $ 144,000 |
| Cape May, New Jersey | 14 | $ 4,290,000 | $ 306,428 | $ 219,000 |
| Gloucester, New Jersey | 13 | $ 3,745,000 | $ 288,076 | $ 152,000 |
| Palm Beach, Florida | 11 | $ 2,715,000 | $ 246,818 | $ 101,000 |
| Atlantic, New Jersey | 11 | $ 2,055,000 | $ 186,818 | $ 109,000 |
| Camden, New Jersey | 10 | $ 2,550,000 | $ 255,000 | $ 130,000 |
| Monroe, Pennsylvania | 10 | $ 1,440,000 | $ 144,000 | $ 148,000 |
| Miami-Dade, Florida | 9 | $ 3,105,000 | $ 345,000 | $ 181,000 |
| Hunterdon, New Jersey | 9 | $ 3,135,000 | $ 348,333 | $ 151,000 |
| Broward, Florida | 8 | $ 2,710,000 | $ 338,750 | $ 171,000 |
| Hillsborough, Florida | 7 | $ 1,815,000 | $ 259,285 | $ 131,000 |
| Alameda, California | 6 | $ 2,850,000 | $ 475,000 | $ 129,000 |
| San Diego, California | 6 | $ 2,060,000 | $ 343,333 | $ 166,000 |
| Forsyth, Georgia | 6 | $ 2,020,000 | $ 336,666 | $ 509,000 |
| Gwinnett, Georgia | 6 | $ 1,210,000 | $ 201,666 | $ 84,000 |
| Warren, New Jersey | 6 | $ 1,470,000 | $ 245,000 | $ 176,000 |
| Brevard, Florida | 5 | $ 1,905,000 | $ 381,000 | $ 143,000 |
| Polk, Florida | 5 | $ 1,305,000 | $ 261,000 | $ 83,000 |
| New Haven, Connecticut | 4 | $ 1,100,000 | $ 275,000 | $ 82,000 |
| Clay, Florida | 4 | $ 980,000 | $ 245,000 | $ 61,000 |
| Duval, Florida | 4 | $ 870,000 | $ 217,500 | $ 126,000 |
| Lee, Florida | 4 | $ 820,000 | $ 205,000 | $ 82,000 |
| Orange, Florida | 4 | $ 1,230,000 | $ 307,500 | $ 99,000 |
| Pasco, Florida | 4 | $ 750,000 | $ 187,500 | $ 89,000 |
| Seminole, Florida | 4 | $ 1,010,000 | $ 252,500 | $ 105,000 |
| Contra Costa, California | 3 | $ 1,345,000 | $ 448,333 | $ 98,000 |
| Fairfield, Connecticut | 3 | $ 945,000 | $ 315,000 | $ 89,000 |
| Osceola, Florida | 3 | $ 845,000 | $ 281,666 | $ 55,000 |
| Pinellas, Florida | 3 | $ 455,000 | $ 151,666 | $ 70,000 |
| Sarasota, Florida | 3 | $ 935,000 | $ 311,666 | $ 112,000 |
| St. Lucie, Florida | 3 | $ 575,000 | $ 191,666 | $ 56,000 |
| Fulton, Georgia | 3 | $ 775,000 | $ 258,333 | $ 109,000 |
| Fresno, California | 2 | $ 470,000 | $ 235,000 | $ 86,000 |
| Placer, California | 2 | $ 640,000 | $ 320,000 | $ 155,000 |
| Lake, Florida | 2 | $ 360,000 | $ 180,000 | $ 79,000 |
| Marion, Florida | 2 | $ 250,000 | $ 125,000 | $ 48,000 |
| Santa Rosa, Florida | 2 | $ 610,000 | $ 305,000 | $ 81,000 |
| Volusia, Florida | 2 | $ 480,000 | $ 240,000 | $ 69,000 |
| Cobb, Georgia | 2 | $ 1,030,000 | $ 515,000 | $ 171,000 |
| DeKalb, Georgia | 2 | $ 770,000 | $ 385,000 | $ 232,000 |
| Fayette, Georgia | 2 | $ 390,000 | $ 195,000 | $ 101,000 |
| Northampton, Pennsylvania | 2 | $ 570,000 | $ 285,000 | $ 192,000 |
| Philadelphia, Pennsylvania | 2 | $ 490,000 | $ 245,000 | $ 98,000 |
| Pike, Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 180,000 |
| Bell, Texas | 2 | $ 340,000 | $ 170,000 | $ 23,000 |
| Kern, California | 1 | $ 485,000 | $ 485,000 | $ 269,000 |
| Sacramento, California | 1 | $ 395,000 | $ 395,000 | $ 161,000 |
| Santa Barbara, California | 1 | $ 95,000 | $ 95,000 | $ 40,000 |
| Santa Clara, California | 1 | $ 365,000 | $ 365,000 | $ 120,000 |
| Solano, California | 1 | $ 345,000 | $ 345,000 | $ 89,000 |
| Stanislaus, California | 1 | $ 275,000 | $ 275,000 | $ 88,000 |
| Litchfield, Connecticut | 1 | $ 75,000 | $ 75,000 | $ 225,000 |
| Charlotte, Florida | 1 | $ 405,000 | $ 405,000 | $ 204,000 |
| Collier, Florida | 1 | $ 235,000 | $ 235,000 | $ 80,000 |
| Flagler, Florida | 1 | $ 145,000 | $ 145,000 | $ 96,000 |
| Indian River, Florida | 1 | $ 95,000 | $ 95,000 | $ 29,000 |
| Leon, Florida | 1 | $ 365,000 | $ 365,000 | $ 235,000 |
| Manatee, Florida | 1 | $ 145,000 | $ 145,000 | $ 92,000 |
| Martin, Florida | 1 | $ 335,000 | $ 335,000 | $ 183,000 |
| Okeechobee, Florida | 1 | $ 245,000 | $ 245,000 | $ 90,000 |
| St. Johns, Florida | 1 | $ 215,000 | $ 215,000 | $ 229,000 |
| Chatham, Georgia | 1 | $ 285,000 | $ 285,000 | $ 101,000 |
| Cherokee, Georgia | 1 | $ 215,000 | $ 215,000 | $ 64,000 |
| Dawson, Georgia | 1 | $ 305,000 | $ 305,000 | $ 154,000 |
| Glynn, Georgia | 1 | $ 225,000 | $ 225,000 | $ 44,000 |
| Hall, Georgia | 1 | $ 575,000 | $ 575,000 | $ 225,000 |
| Henry, Georgia | 1 | $ 335,000 | $ 335,000 | $ 79,000 |
| Newton, Georgia | 1 | $ 275,000 | $ 275,000 | $ 68,000 |
| Putnam, Georgia | 1 | $ 515,000 | $ 515,000 | $ 343,000 |
| Walton, Georgia | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| Cumberland, New Jersey | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| Salem, New Jersey | 1 | $ 365,000 | $ 365,000 | $ 154,000 |
| Chester, Pennsylvania | 1 | $ 365,000 | $ 365,000 | $ 143,000 |
| Wayne, Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 80,000 |
| Horry, South Carolina | 1 | $ 255,000 | $ 255,000 | $ 252,000 |
| Lancaster, South Carolina | 1 | $ 345,000 | $ 345,000 | $ 114,000 |
Mortgage Loan Application Detail Totals for Get A Rate LLC in 2020
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 | 966 | $331,210,000 | $342,000 | $1,125,000 | $157,000 | $2,688,000 |
| Home Purchase | 558 | $195,810,000 | $350,000 | $845,000 | $125,000 | $2,820,000 |
| Cash-out Refinancing | 318 | $101,330,000 | $318,000 | $965,000 | $165,000 | $2,400,000 |
| Home Improvement | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 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 | 878 | $300,370,000 | $342,000 | $945,000 | $151,000 | $2,400,000 |
| Hispanic | 393 | $129,185,000 | $328,000 | $965,000 | $113,000 | $1,536,000 |
| Not Provided | 290 | $100,640,000 | $347,000 | $1,125,000 | $182,000 | $2,688,000 |
| Asian | 200 | $75,110,000 | $375,000 | $765,000 | $164,000 | $650,000 |
| Black or African American | 63 | $17,395,000 | $276,000 | $765,000 | $103,000 | $316,000 |
| American Indian or Alaskan Native | 10 | $2,560,000 | $256,000 | $395,000 | $74,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $435,000 | $435,000 | $435,000 | $113,000 | $113,000 |
| 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) | 1,554 | $528,060,000 | $339,000 | $1,125,000 | $157,000 | $2,820,000 |
| FHA-insured (Federal Housing Administration) | 229 | $79,795,000 | $348,000 | $805,000 | $93,000 | $283,000 |
| VA-guaranteed (Veterans Administration) | 58 | $20,350,000 | $350,000 | $705,000 | $112,000 | $373,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $145,000 | $145,000 | $145,000 | $89,000 | $89,000 |
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 | 1,204 | $415,160,000 | $344,000 | $865,000 | $145,000 | $736,000 |
| Application Withdrawn By Applicant | 283 | $93,275,000 | $329,000 | $1,125,000 | $159,000 | $2,472,000 |
| File Closed For Incompleteness | 169 | $57,205,000 | $338,000 | $845,000 | $181,000 | $2,820,000 |
| Application Approved But Not Accepted | 107 | $36,205,000 | $338,000 | $765,000 | $143,000 | $363,000 |
| Application Denied By Financial Institution | 61 | $19,585,000 | $321,000 | $965,000 | $97,000 | $283,000 |
| Preapproval Approved but not Accepted | 15 | $6,015,000 | $401,000 | $765,000 | $111,000 | $283,000 |
| Preapproval Denied by Financial Institution | 3 | $905,000 | $301,000 | $365,000 | $91,000 | $104,000 |
| 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 | 1,778 | $607,860,000 | $341,000 | $1,125,000 | $150,000 | $2,820,000 |
| Debt-To-Income Ratio | 26 | $8,090,000 | $311,000 | $965,000 | $66,000 | $177,000 |
| Collateral | 13 | $3,915,000 | $301,000 | $945,000 | $107,000 | $218,000 |
| Credit History | 8 | $2,440,000 | $305,000 | $525,000 | $102,000 | $191,000 |
| Employment History | 7 | $2,575,000 | $367,000 | $645,000 | $137,000 | $183,000 |
| Other | 4 | $1,300,000 | $325,000 | $455,000 | $159,000 | $283,000 |
| Unverifiable Information | 4 | $1,500,000 | $375,000 | $455,000 | $138,000 | $163,000 |
| Mortgage Insurance Denied | 1 | $255,000 | $255,000 | $255,000 | $83,000 | $83,000 |
| Credit Application Incomplete | 1 | $415,000 | $415,000 | $415,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Get A Rate LLC's 2020 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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