The Mortgage Record
Lender report card · New Jersey

Land Home Financial Services,

Concord, CA · What the federal mortgage record shows about how Land Home Financial Services, treated New Jersey applicants, 2018–2025 — 203 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
80.3%
163 approved
Denial rate
19.7%
40 denied
Decisions
203
2018–2025
Avg. rate spread
+0.83 pp
vs. market benchmark
80.3% approved
19.7% denied

Share of 203 New Jersey applications Land Home Financial Services, approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional79.5% of 132 · NJ 87%FHA79.4% of 63 · NJ 79%

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

Approval rate over time

68%76%84%92%100%80%81%75%89%100%90%71%100%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Land Home Financial Services,’s rates ran +0.42 pp higher than the typical New Jersey lender (average rate spread +0.83 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Land Home Financial Services, approves

By income
Under $50k71.0% · 31$50–75k64.5% · 31$75–100k81.8% · 44$100–150k86.0% · 50
By debt-to-income
Under 36%86.4% · 5936–43%84.0% · 5043–50%89.6% · 48
By down payment (LTV)
20%+ down78.2% · 783–5% down88.9% · 27

Why Land Home Financial Services, denied applications

Debt-to-income ratio48% of denialsCredit history25% of denialsCollateral (value/type)12% of denialsInsufficient cash to close8% of denialsUnverifiable information8% of denialsOther8% of denials

Where Land Home Financial Services, lends in NJ

CountyDecisionsApproval
Essex County2958.6%

Fees & closing costs

Median total loan costs
$8,406
home purchase
As % of loan
3.33%
NJ median 1.93%
Priced originations
79
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Land Home Financial Services,’s home-purchase originations — 1.40 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $476. 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 Land Home Financial Services, with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Trouble during payment process. 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 Land Home Financial Services, to other lenders for your profile

Enter your income, county, DTI and down payment to see who approves borrowers like you.

Open the approval tool →

Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Land Home Financial Services, (LEI 5493006RIR31ORKYB608). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →