The Mortgage Record
Lender report card · New Jersey

Caliber Home Loans, Inc.

Fort Washington, PA · What the federal mortgage record shows about how Caliber Home Loans, Inc. treated New Jersey applicants, 2018–2025 — 26,158 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
88.8%
23,236 approved
Denial rate
11.2%
2,922 denied
Decisions
26,158
2018–2025
Avg. rate spread
+0.47 pp
vs. market benchmark
88.8% approved
11.2% denied

Share of 26,158 New Jersey applications Caliber Home Loans, Inc. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional91.4% of 18,146 · NJ 87%FHA82.1% of 6,713 · NJ 79%VA87.9% of 1,132 · NJ 80%USDA91.6% of 167 · NJ 87%

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

Approval rate over time

79%83%87%91%95%84%91%91%90%82%95%201820192020202120222023

Pricing

Adjusting for its loan-type mix, Caliber Home Loans, Inc.’s rates ran +0.09 pp higher than the typical New Jersey lender (average rate spread +0.47 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Caliber Home Loans, Inc. approves

By income
Under $50k76.1% · 1,915$50–75k85.8% · 4,395$75–100k89.3% · 4,617$100–150k90.7% · 6,269$150–250k93.6% · 4,817$250k+93.7% · 1,994
By debt-to-income
Under 36%93.9% · 8,73336–43%93.1% · 5,88643–50%91.6% · 6,730Over 50%60.0% · 2,803
By down payment (LTV)
20%+ down89.6% · 12,02110–20% down90.7% · 3,1025–10% down92.1% · 2,6923–5% down87.7% · 2,961Under 3% down86.4% · 1,527

Why Caliber Home Loans, Inc. denied applications

Debt-to-income ratio46% of denialsCredit history26% of denialsCollateral (value/type)20% of denialsInsufficient cash to close16% of denialsOther10% of denialsEmployment history7% of denials

Where Caliber Home Loans, Inc. lends in NJ

CountyDecisionsApproval
Atlantic County2,65591.8%
Middlesex County2,44788.7%
Essex County1,86382.2%
Cape May County1,84694.6%
Union County1,83288.3%
Ocean County1,82486.8%
Monmouth County1,79890.1%
Burlington County1,79690.5%

Fees & closing costs

Median total loan costs
$5,070
home purchase
As % of loan
2.08%
NJ median 1.93%
Priced originations
13,160
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Caliber Home Loans, Inc.’s home-purchase originations — 0.15 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $500. 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
44
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 Caliber Home Loans, Inc. with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Struggling to pay 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 Caliber Home Loans, Inc. to other lenders for your profile

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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 Caliber Home Loans, Inc. (LEI 549300J7XKT2BI5WX213). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →