The Mortgage Record
Lender report card · New Jersey

Lending Capital Group, Inc

Southampton, PA · What the federal mortgage record shows about how Lending Capital Group, Inc treated New Jersey applicants, 2018–2025 — 376 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
93.9%
353 approved
Denial rate
6.1%
23 denied
Decisions
376
2018–2025
Avg. rate spread
+0.49 pp
vs. market benchmark
93.9% approved
6.1% denied

Share of 376 New Jersey applications Lending Capital Group, Inc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional96.5% of 285 · NJ 87%FHA85.7% of 91 · NJ 79%

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

Approval rate over time

86%89%92%95%98%100%91%90%91%95%95%202020212022202320242025

Pricing

Adjusting for its loan-type mix, Lending Capital Group, Inc’s rates ran +0.10 pp higher than the typical New Jersey lender (average rate spread +0.49 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Lending Capital Group, Inc approves

By income
Under $50k88.5% · 26$50–75k88.8% · 80$75–100k94.4% · 90$100–150k95.4% · 87$150–250k97.1% · 68$250k+100.0% · 25
By debt-to-income
Under 36%96.0% · 9936–43%95.2% · 8443–50%96.6% · 146Over 50%78.7% · 47
By down payment (LTV)
20%+ down96.1% · 20410–20% down96.4% · 555–10% down89.2% · 373–5% down93.3% · 75

Why Lending Capital Group, Inc denied applications

Collateral (value/type)35% of denialsOther22% of denialsDebt-to-income ratio13% of denialsCredit history13% of denialsEmployment history13% of denialsUnverifiable information9% of denials

Where Lending Capital Group, Inc lends in NJ

CountyDecisionsApproval
Burlington County4989.8%
Camden County4797.9%
Mercer County36100.0%
Middlesex County3594.3%
Union County30100.0%
Monmouth County2989.7%
Ocean County2596.0%

Fees & closing costs

Median total loan costs
$6,840
home purchase
As % of loan
2.49%
NJ median 1.93%
Priced originations
254
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Lending Capital Group, Inc’s home-purchase originations — 0.56 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $202. 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 Lending Capital Group, Inc (LEI 2549003GSJF52BBIBW81). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →