Somerset Regal Bank
Somerset Regal Bank received 242 applications in 2025 and made 201 mortgages, in 18 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $425,000. Of 212 decisions, 8 were denials — 3.8%.
| Legal Entity Identifier | 549300B201Z415GE5E85 |
|---|---|
| Applications received | 242 |
| Mortgages made | 201 |
| Denied | 8 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 30 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Somerset Regal Bank, 14 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 120 | Not published | $440,000 | 1.6% |
| Refinancing | 26 | Not published | $445,000 | 7.1% |
| Cash-out refinancing | 39 | Not published | $455,000 | 9.3% |
| Other purposes | 16 | Not published | $270,000 | 0.0% |
Where Somerset Regal Bank lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Somerset County, NJ | 37 | Not published | 7.5% |
| Hudson County, NJ | 25 | Not published | 0.0% |
| Hunterdon County, NJ | 24 | Not published | 0.0% |
| Middlesex County, NJ | 21 | Not published | 4.6% |
| Morris County, NJ | 20 | Not published | 4.8% |
| Essex County, NJ | 15 | Not published | 5.9% |
| Union County, NJ | 13 | Not published | 0.0% |
| Bergen County, NJ | 8 | Under 10 loans | 0.0% |
| Ocean County, NJ | 8 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 6 | Under 10 loans | 25.0% |
| Warren County, NJ | 6 | Under 10 loans | 0.0% |
| Mercer County, NJ | 4 | Under 10 loans | 0.0% |
| Passaic County, NJ | 4 | Under 10 loans | 0.0% |
| Burlington County, NJ | 3 | Under 10 loans | 0.0% |
| Camden County, NJ | 2 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 2 | Under 10 loans | 0.0% |
| Sussex County, NJ | 2 | Under 10 loans | 0.0% |
| Salem County, NJ | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.