Young and growing
It made 304 loans, up from 245 in its first reported year. Similar lenders (non-bank lenders making between half and twice as many loans) grew by 6% and the whole market by 10%; it grew faster than about seven in ten of them.
Applications / Mortgage Analytics / Lenders / New Jersey / Skyrock Mortgage
Skyrock Mortgage
Rutherford, NJ · Non-bank or government lender · CFPB · 304 loans in 2025
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304
loans originated, 2025
380
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Skyrock Mortgage, which first reported in 2024, is a young New Jersey home-purchase lender that grew 24% in 2025 and moved into several new markets.
Conventional purchase loans
Home purchases made up 77.3% of its lending and refinances the rest. Nearly all its loans, 98.4%, were conventional. Its typical loan was $475,000, against $355,000 at similar lenders. It made no higher-priced loans, those with a rate well above the average for similar loans, and turned down 1.1% of home-purchase applications, against 4.7% at the typical peer.
Spreading out
It lent in 13 metros across eight states. Five of its eight main markets, Baltimore, Hartford and Trenton among them, are ones it entered in 2025. Its highest rank is in Cleveland, 93 of 577 lenders; in the New York metro area it ranked 178 of 802.
Fewer loans in poorer neighborhoods
Low- and moderate-income neighborhoods took 12.5% of its loans, down from 18.9% in 2024 and lower than at about four in five similar lenders. Its larger loans may point to pricier homes, and its markets shifted as it expanded; either could explain the gap. Its share of lower-income borrowers, 22.0%, was close to the typical 24.6%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
304 loans in 2025, its most in any year since 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Skyrock Mortgage took 380 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
77.3% of its 2025 loans were purchase loans; 98.4% were conventional loans.
Purchase 77.3% · Refinance 22.7%
Conventional 98.4% · FHA 1.6% · of 304 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
8 states, 13 metros, 27 counties
| State | Loans | Share |
|---|---|---|
| New Jersey | 208 | 68.4% |
| Ohio | 53 | 17.4% |
| New York | 31 | 10.2% |
| Florida | 3 | 1.0% |
| Maryland | 3 | 1.0% |
| Pennsylvania | 3 | 1.0% |
| Connecticut | 2 | 0.7% |
| Texas | 1 | 0.3% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 143 |
| New York-Jersey City-White Plains | 69 |
| Cleveland | 53 |
| Newark | 13 |
| Baltimore-Columbia-Towson | 3 |
| Nassau County-Suffolk County | 3 |
| Miami-Miami Beach-Kendall | 2 |
| Philadelphia | 2 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Hartford-West Hartford-East Hartford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 984500B659A36CF0D469 | 2024–2025 |
Established 28 January 2021. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Skyrock Mortgage's data.
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