Lender report card · New Jersey

Go Mortgage, Llc

Columbus, OH · What the federal mortgage record shows about how Go Mortgage, Llc treated New Jersey applicants, 2018–2025 — 318 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
95.0%
302 approved
Denial rate
5.0%
16 denied
Decisions
318
2018–2025
Avg. rate spread
+0.31 pp
vs. market benchmark
95.0% approved
5.0% denied

Share of 318 New Jersey applications Go Mortgage, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional95.9% of 267 · NJ 87%FHA92.3% of 39 · NJ 79%

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

Approval rate over time

85%88%91%94%97%100%92%100%88%95%92%99%97%100%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Go Mortgage, Llc’s rates ran +0.01 pp in line with than the typical New Jersey lender (average rate spread +0.31 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Go Mortgage, Llc approves

By income
$50–75k84.4% · 32$75–100k96.6% · 59$100–150k93.7% · 95$150–250k96.4% · 84$250k+100.0% · 40
By debt-to-income
Under 36%96.3% · 13536–43%97.1% · 6943–50%97.7% · 88Over 50%72.0% · 25
By down payment (LTV)
20%+ down96.5% · 19910–20% down96.9% · 325–10% down94.6% · 373–5% down96.4% · 28

Why Go Mortgage, Llc denied applications

Other25% of denialsDebt-to-income ratio25% of denialsCredit history25% of denialsCollateral (value/type)12% of denialsEmployment history6% of denialsIncomplete application6% of denials

Where Go Mortgage, Llc lends in NJ

CountyDecisionsApproval
Burlington County3697.2%
Middlesex County3594.3%
Camden County33100.0%
Gloucester County33100.0%
Bergen County2993.1%

Fees & closing costs

Median total loan costs
$7,868
home purchase
As % of loan
2.67%
NJ median 1.93%
Priced originations
148
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Go Mortgage, Llc’s home-purchase originations — 0.74 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $105. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Go Mortgage, Llc 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 Go Mortgage, Llc (LEI 25490018IFQOT83Q7H49). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →