Bny Mellon, N.a.
Boston, MA · What the federal mortgage record shows about how Bny Mellon, N.a. treated New Jersey applicants, 2018–2025 — 276 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 276 New Jersey applications Bny Mellon, N.a. 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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, Bny Mellon, N.a.’s rates ran -0.55 pp lower than the typical New Jersey lender (average rate spread -0.33 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Bny Mellon, N.a. approves
Why Bny Mellon, N.a. denied applications
Where Bny Mellon, N.a. lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Monmouth County | 43 | 90.7% |
| Ocean County | 41 | 95.1% |
| Morris County | 36 | 100.0% |
| Cape May County | 35 | 91.4% |
| Bergen County | 30 | 86.7% |
| Essex County | 30 | 96.7% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Bny Mellon, N.a.’s home-purchase originations — 1.14 points lower than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Bny Mellon, N.a. 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 Bny Mellon, N.a. (LEI 4EP6JBYBTPTQ47LZOB67). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →