The Mortgage Record
Lender report card · New Jersey

Atlantic Pacific Mortgage

Mt. Laurel, NJ · What the federal mortgage record shows about how Atlantic Pacific Mortgage treated New Jersey applicants, 2018–2025 — 322 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
91.6%
295 approved
Denial rate
8.4%
27 denied
Decisions
322
2018–2025
Avg. rate spread
+1.02 pp
vs. market benchmark
91.6% approved
8.4% denied

Share of 322 New Jersey applications Atlantic Pacific Mortgage approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional94.0% of 168 · NJ 87%FHA87.9% of 132 · NJ 79%

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

Approval rate over time

87%90%93%96%99%91%96%20182019

Pricing

Adjusting for its loan-type mix, Atlantic Pacific Mortgage’s rates ran +0.50 pp higher than the typical New Jersey lender (average rate spread +1.02 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Atlantic Pacific Mortgage approves

By income
Under $50k84.1% · 63$50–75k94.8% · 97$75–100k90.5% · 74$100–150k96.2% · 52$150–250k92.9% · 28
By debt-to-income
Under 36%92.9% · 8536–43%95.9% · 7443–50%94.7% · 95Over 50%77.6% · 58
By down payment (LTV)

Thin.

Why Atlantic Pacific Mortgage denied applications

Other41% of denialsCollateral (value/type)26% of denialsCredit history26% of denialsDebt-to-income ratio22% of denialsUnverifiable information19% of denialsEmployment history7% of denials

Where Atlantic Pacific Mortgage lends in NJ

CountyDecisionsApproval
Burlington County7494.6%
Atlantic County6692.4%
Camden County6190.2%
Gloucester County3497.1%

Fees & closing costs

Median total loan costs
$5,915
home purchase
As % of loan
3.63%
NJ median 1.93%
Priced originations
203
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Atlantic Pacific Mortgage’s home-purchase originations — 1.70 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $598. 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 Atlantic Pacific Mortgage (LEI 549300TB6J826GO8CS96). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →