The Mortgage Record
Lender report card · New Jersey

Amres Corporation

Trevose, PA · What the federal mortgage record shows about how Amres Corporation treated New Jersey applicants, 2018–2025 — 1,237 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
90.5%
1,120 approved
Denial rate
9.5%
117 denied
Decisions
1,237
2018–2025
Avg. rate spread
+0.49 pp
vs. market benchmark
90.5% approved
9.5% denied

Share of 1,237 New Jersey applications Amres Corporation approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional93.3% of 944 · NJ 87%FHA81.5% of 249 · NJ 79%VA82.1% of 39 · NJ 80%

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

Approval rate over time

77%82%87%92%97%97%94%89%92%89%91%84%80%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Amres Corporation’s rates ran +0.14 pp higher than the typical New Jersey lender (average rate spread +0.49 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Amres Corporation approves

By income
Under $50k83.2% · 119$50–75k94.5% · 181$75–100k88.1% · 236$100–150k92.0% · 363$150–250k90.2% · 264$250k+95.8% · 72
By debt-to-income
Under 36%95.3% · 46436–43%91.2% · 32843–50%92.2% · 321Over 50%67.5% · 123
By down payment (LTV)
20%+ down91.4% · 70610–20% down93.4% · 1515–10% down91.0% · 1223–5% down83.6% · 140Under 3% down89.5% · 76

Why Amres Corporation denied applications

Other33% of denialsIncomplete application32% of denialsDebt-to-income ratio21% of denialsCredit history10% of denialsCollateral (value/type)9% of denialsUnverifiable information5% of denials

Where Amres Corporation lends in NJ

CountyDecisionsApproval
Bergen County13391.0%
Morris County12198.3%
Middlesex County11493.0%
Camden County10293.1%
Monmouth County10192.1%
Ocean County7580.0%
Passaic County6581.5%
Burlington County6185.2%

Fees & closing costs

Median total loan costs
$6,916
home purchase
As % of loan
2.63%
NJ median 1.93%
Priced originations
507
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Amres Corporation’s home-purchase originations — 0.70 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $400. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Amres Corporation (LEI 54930065B0NVUO52TY13). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →