The Mortgage Record
Lender report card · New Jersey

Dhi Mortgage Company, Ltd.

Austin, TX · What the federal mortgage record shows about how Dhi Mortgage Company, Ltd. treated New Jersey applicants, 2018–2025 — 3,033 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
91.7%
2,780 approved
Denial rate
8.3%
253 denied
Decisions
3,033
2018–2025
Avg. rate spread
-0.03 pp
vs. market benchmark
91.7% approved
8.3% denied

Share of 3,033 New Jersey applications Dhi Mortgage Company, Ltd. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional93.9% of 2,332 · NJ 87%FHA79.8% of 461 · NJ 79%VA93.1% of 233 · NJ 80%

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

Approval rate over time

85%88%91%94%97%90%89%91%92%91%95%93%2019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Dhi Mortgage Company, Ltd.’s rates ran -0.32 pp lower than the typical New Jersey lender (average rate spread -0.03 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Dhi Mortgage Company, Ltd. approves

By income
Under $50k28.6% · 70$50–75k80.5% · 266$75–100k88.7% · 514$100–150k95.7% · 1,042$150–250k96.0% · 902$250k+94.8% · 213
By debt-to-income
Under 36%95.1% · 1,00136–43%96.5% · 70843–50%96.2% · 911Over 50%65.1% · 413
By down payment (LTV)
20%+ down93.2% · 1,42610–20% down92.4% · 4495–10% down92.0% · 6283–5% down84.3% · 337Under 3% down90.2% · 193

Why Dhi Mortgage Company, Ltd. denied applications

Debt-to-income ratio57% of denialsCredit history30% of denialsUnverifiable information15% of denialsOther8% of denialsInsufficient cash to close3% of denialsCollateral (value/type)2% of denials

Where Dhi Mortgage Company, Ltd. lends in NJ

CountyDecisionsApproval
Ocean County1,09992.0%
Burlington County92993.1%
Atlantic County40387.8%
Gloucester County15385.6%
Monmouth County11697.4%
Middlesex County10699.1%
Camden County7690.8%
Cumberland County6882.4%

Fees & closing costs

Median total loan costs
$5,738
home purchase
As % of loan
1.56%
NJ median 1.93%
Priced originations
2,755
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Dhi Mortgage Company, Ltd.’s home-purchase originations — 0.38 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $651. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Dhi Mortgage Company, Ltd. 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 Dhi Mortgage Company, Ltd. (LEI 5493001SXWZ4OFP8Z903). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →