The Mortgage Record
Lender report card · New Jersey

Bridgeview

Westmont, IL · What the federal mortgage record shows about how Bridgeview treated New Jersey applicants, 2018–2025 — 232 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
36.6%
85 approved
Denial rate
63.4%
147 denied
Decisions
232
2018–2025
Avg. rate spread
+0.79 pp
vs. market benchmark
36.6% approved
63.4% denied

Share of 232 New Jersey applications Bridgeview approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional43.0% of 93 · NJ 87%FHA30.3% of 66 · NJ 79%VA34.2% of 73 · NJ 80%

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

Approval rate over time

13%19%25%31%37%37%17%20182019

Pricing

Adjusting for its loan-type mix, Bridgeview’s rates ran +0.49 pp higher than the typical New Jersey lender (average rate spread +0.79 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Bridgeview approves

By income
Under $50k28.3% · 53$50–75k38.1% · 63$75–100k30.2% · 53$100–150k35.3% · 34$150–250k61.5% · 26
By debt-to-income
Under 36%51.2% · 4336–43%42.5% · 4043–50%56.8% · 44Over 50%19.6% · 102
By down payment (LTV)

Thin.

Why Bridgeview denied applications

Debt-to-income ratio41% of denialsCredit history40% of denialsCollateral (value/type)25% of denialsOther16% of denialsUnverifiable information9% of denialsInsufficient cash to close5% of denials

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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 Bridgeview (LEI 5493002T0LSBGS6UOG37). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →