Lender report card · New Jersey

American Neighborhood Mortgage Acceptance Company

Mt. Laurel, NJ · What the federal mortgage record shows about how American Neighborhood Mortgage Acceptance Company treated New Jersey applicants, 2018–2025 — 23,517 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
95.3%
22,409 approved
Denial rate
4.7%
1,108 denied
Decisions
23,517
2018–2025
Avg. rate spread
+0.66 pp
vs. market benchmark
95.3% approved
4.7% denied

Share of 23,517 New Jersey applications American Neighborhood Mortgage Acceptance Company approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional97.0% of 15,111 · NJ 87%FHA92.0% of 7,518 · NJ 79%VA94.6% of 702 · NJ 80%USDA93.0% of 186 · NJ 87%

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

Approval rate over time

87%90%93%96%99%91%94%96%97%95%95%96%96%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, American Neighborhood Mortgage Acceptance Company’s rates ran +0.22 pp higher than the typical New Jersey lender (average rate spread +0.66 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who American Neighborhood Mortgage Acceptance Company approves

By income
Under $50k90.3% · 2,473$50–75k93.0% · 4,399$75–100k95.2% · 4,535$100–150k96.7% · 6,105$150–250k97.5% · 3,928$250k+97.4% · 1,165
By debt-to-income
Under 36%97.7% · 6,76036–43%97.3% · 5,42743–50%96.5% · 6,981Over 50%82.4% · 3,111
By down payment (LTV)
20%+ down97.7% · 9,16210–20% down96.6% · 2,9395–10% down95.6% · 3,0343–5% down93.7% · 4,264Under 3% down90.5% · 1,394

Why American Neighborhood Mortgage Acceptance Company denied applications

Credit history47% of denialsDebt-to-income ratio38% of denialsCollateral (value/type)22% of denialsOther20% of denialsEmployment history9% of denialsUnverifiable information8% of denials

Where American Neighborhood Mortgage Acceptance Company lends in NJ

CountyDecisionsApproval
Ocean County4,03996.8%
Gloucester County2,12097.3%
Middlesex County2,01694.8%
Camden County1,90196.3%
Monmouth County1,79296.3%
Sussex County1,50695.9%
Morris County1,44497.1%
Burlington County1,37495.1%

Fees & closing costs

Median total loan costs
$7,389
home purchase
As % of loan
2.98%
NJ median 1.93%
Priced originations
15,205
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on American Neighborhood Mortgage Acceptance Company’s home-purchase originations — 1.04 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $485. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Consumer complaints

CFPB complaints
33
from NJ, 2022–present
Answered on time
100%
of complaints
Closed with relief
0%
monetary or non-monetary

Complaints New Jersey mortgage customers filed against American Neighborhood Mortgage Acceptance Company with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Applying for a mortgage or refinancing an existing mortgage. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.

Compare American Neighborhood Mortgage Acceptance Company 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 American Neighborhood Mortgage Acceptance Company (LEI 549300F8C5JA44WNMI75). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →