The Mortgage Record
Lender report card · New Jersey

Get A Rate Llc

Hackensack, NJ · What the federal mortgage record shows about how Get A Rate Llc treated New Jersey applicants, 2018–2025 — 2,666 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
91.8%
2,447 approved
Denial rate
8.2%
219 denied
Decisions
2,666
2018–2025
Avg. rate spread
+0.16 pp
vs. market benchmark
91.8% approved
8.2% denied

Share of 2,666 New Jersey applications Get A Rate Llc 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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 2,260 · NJ 87%FHA79.1% of 358 · NJ 79%VA89.4% of 47 · NJ 80%

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

Approval rate over time

84%87%90%93%96%99%92%96%88%201820202021

Pricing

Adjusting for its loan-type mix, Get A Rate Llc’s rates ran -0.14 pp lower than the typical New Jersey lender (average rate spread +0.16 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Get A Rate Llc approves

By income
Under $50k60.6% · 94$50–75k85.6% · 278$75–100k90.9% · 470$100–150k92.6% · 840$150–250k96.2% · 709$250k+97.4% · 234
By debt-to-income
Under 36%97.4% · 1,16036–43%95.2% · 62343–50%95.5% · 604Over 50%43.3% · 210
By down payment (LTV)
20%+ down93.0% · 1,67810–20% down89.3% · 2815–10% down90.6% · 1803–5% down90.9% · 132Under 3% down57.6% · 33

Why Get A Rate Llc denied applications

Debt-to-income ratio55% of denialsOther31% of denialsCredit history21% of denialsCollateral (value/type)12% of denialsEmployment history9% of denialsUnverifiable information6% of denials

Where Get A Rate Llc lends in NJ

CountyDecisionsApproval
Bergen County68092.4%
Passaic County39491.6%
Morris County23296.1%
Middlesex County21692.1%
Essex County19588.7%
Hudson County15188.7%
Union County14791.2%
Monmouth County11395.6%

Fees & closing costs

Median total loan costs
$5,159
home purchase
As % of loan
1.57%
NJ median 1.93%
Priced originations
792
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Get A Rate Llc’s home-purchase originations — 0.37 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $450. 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 Get A Rate Llc (LEI 549300YTNLQPR4PKXG57). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →