The Mortgage Record
Lender report card · New Jersey

Acre Mortgage & Financial, Inc.

Marlton, NJ · What the federal mortgage record shows about how Acre Mortgage & Financial, Inc. treated New Jersey applicants, 2018–2025 — 2,010 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
96.0%
1,930 approved
Denial rate
4.0%
80 denied
Decisions
2,010
2018–2025
Avg. rate spread
+0.72 pp
vs. market benchmark
96.0% approved
4.0% denied

Share of 2,010 New Jersey applications Acre Mortgage & Financial, Inc. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional98.0% of 1,030 · NJ 87%FHA94.0% of 878 · NJ 79%VA96.3% of 82 · NJ 80%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

91%93%95%97%99%96%94%97%95%99%20212022202320242025

Pricing

Adjusting for its loan-type mix, Acre Mortgage & Financial, Inc.’s rates ran +0.19 pp higher than the typical New Jersey lender (average rate spread +0.72 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Acre Mortgage & Financial, Inc. approves

By income
Under $50k86.7% · 203$50–75k96.4% · 469$75–100k96.7% · 422$100–150k97.0% · 538$150–250k98.3% · 294$250k+98.7% · 78
By debt-to-income
Under 36%98.5% · 39736–43%97.6% · 37943–50%97.6% · 552Over 50%90.0% · 331
By down payment (LTV)
20%+ down98.1% · 63710–20% down96.3% · 1895–10% down97.3% · 1863–5% down94.4% · 483Under 3% down92.8% · 139

Why Acre Mortgage & Financial, Inc. denied applications

Debt-to-income ratio42% of denialsEmployment history22% of denialsCredit history20% of denialsInsufficient cash to close14% of denialsCollateral (value/type)12% of denialsUnverifiable information5% of denials

Where Acre Mortgage & Financial, Inc. lends in NJ

CountyDecisionsApproval
Burlington County59797.3%
Camden County57095.4%
Gloucester County28297.9%
Atlantic County9596.8%
Cumberland County7594.7%
Mercer County6493.8%
Salem County6493.8%
Ocean County4593.3%

Fees & closing costs

Median total loan costs
$8,805
home purchase
As % of loan
3.52%
NJ median 1.93%
Priced originations
1,484
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Acre Mortgage & Financial, Inc.’s home-purchase originations — 1.58 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $200. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Acre Mortgage & Financial, Inc. to other lenders for your profile

Enter your income, county, DTI and down payment to see who approves borrowers like you.

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 Acre Mortgage & Financial, Inc. (LEI 2549007G9V4FYWWWDZ31). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →