The Mortgage Record
Lender report card · New Jersey

Pulte Mortgage Llc

Denver, CO · What the federal mortgage record shows about how Pulte Mortgage Llc treated New Jersey applicants, 2018–2025 — 1,547 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
92.6%
1,433 approved
Denial rate
7.4%
114 denied
Decisions
1,547
2018–2025
Avg. rate spread
-0.01 pp
vs. market benchmark
92.6% approved
7.4% denied

Share of 1,547 New Jersey applications Pulte 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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

Conventional92.8% of 1,524 · NJ 87%

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

Approval rate over time

85%88%91%94%97%91%95%95%96%93%89%91%89%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Pulte Mortgage Llc’s rates ran -0.23 pp lower than the typical New Jersey lender (average rate spread -0.01 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Pulte Mortgage Llc approves

By income
Under $50k30.3% · 33$50–75k71.1% · 38$75–100k85.3% · 102$100–150k91.2% · 339$150–250k97.0% · 628$250k+96.1% · 406
By debt-to-income
Under 36%97.5% · 71336–43%99.1% · 34643–50%97.0% · 394Over 50%13.8% · 94
By down payment (LTV)
20%+ down94.0% · 1,03210–20% down90.0% · 2505–10% down88.2% · 93

Why Pulte Mortgage Llc denied applications

Debt-to-income ratio85% of denialsInsufficient cash to close17% of denialsCredit history11% of denialsUnverifiable information7% of denialsEmployment history4% of denialsOther4% of denials

Where Pulte Mortgage Llc lends in NJ

CountyDecisionsApproval
Bergen County30393.7%
Morris County25593.3%
Somerset County20392.1%
Middlesex County16687.3%
Essex County16595.8%
Hunterdon County11298.2%
Monmouth County10890.7%
Mercer County9590.5%

Fees & closing costs

Median total loan costs
$2,443
home purchase
As % of loan
0.57%
NJ median 1.93%
Priced originations
1,254
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Pulte Mortgage Llc’s home-purchase originations — 1.36 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $125. 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 Pulte Mortgage Llc (LEI 5493004WMLN60ZJ2ON46). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →