The Mortgage Record
Lender report card · New Jersey

Wyndham Capital Mortgage, Inc.

Charlotte, NC · What the federal mortgage record shows about how Wyndham Capital Mortgage, Inc. treated New Jersey applicants, 2018–2025 — 1,788 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
86.6%
1,548 approved
Denial rate
13.4%
240 denied
Decisions
1,788
2018–2025
Avg. rate spread
+0.07 pp
vs. market benchmark
86.6% approved
13.4% denied

Share of 1,788 New Jersey applications Wyndham Capital Mortgage, Inc. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional88.0% of 1,566 · NJ 87%FHA73.4% of 169 · NJ 79%VA86.8% of 53 · NJ 80%

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

Approval rate over time

72%77%82%87%92%75%85%92%89%81%86%201820192020202120222023

Pricing

Adjusting for its loan-type mix, Wyndham Capital Mortgage, Inc.’s rates ran -0.18 pp lower than the typical New Jersey lender (average rate spread +0.07 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Wyndham Capital Mortgage, Inc. approves

By income
Under $50k87.8% · 164$50–75k65.0% · 277$75–100k82.3% · 203$100–150k90.6% · 436$150–250k93.5% · 527$250k+93.4% · 181
By debt-to-income
Under 36%92.9% · 83336–43%92.6% · 40343–50%87.2% · 383Over 50%33.1% · 151
By down payment (LTV)
20%+ down89.5% · 1,19210–20% down86.9% · 1915–10% down84.9% · 863–5% down86.5% · 52

Why Wyndham Capital Mortgage, Inc. denied applications

Credit history42% of denialsDebt-to-income ratio36% of denialsCollateral (value/type)8% of denialsIncomplete application8% of denialsUnverifiable information6% of denialsEmployment history3% of denials

Where Wyndham Capital Mortgage, Inc. lends in NJ

CountyDecisionsApproval
Bergen County22087.3%
Monmouth County20883.2%
Middlesex County17791.0%
Essex County16188.2%
Ocean County13081.5%
Morris County12891.4%
Union County10989.9%
Somerset County8688.4%

Fees & closing costs

Median total loan costs
$6,067
home purchase
As % of loan
1.95%
NJ median 1.93%
Priced originations
277
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Wyndham Capital Mortgage, Inc.’s home-purchase originations — about the 1.93% New Jersey median. Typical lender credit toward costs: $536. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Wyndham Capital Mortgage, Inc. 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 Wyndham Capital Mortgage, Inc. (LEI 549300UVXY7S004OQL53). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →