The Mortgage Record
Lender report card · New Jersey

Amerisave Mortgage Company

Sandy Springs, GA · What the federal mortgage record shows about how Amerisave Mortgage Company treated New Jersey applicants, 2018–2025 — 18,365 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
54.1%
9,940 approved
Denial rate
45.9%
8,425 denied
Decisions
18,365
2018–2025
Avg. rate spread
+0.13 pp
vs. market benchmark
54.1% approved
45.9% denied

Share of 18,365 New Jersey applications Amerisave Mortgage Company approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional60.0% of 14,629 · NJ 87%FHA28.4% of 3,138 · NJ 79%VA44.5% of 591 · NJ 80%

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

Approval rate over time

12%27%42%57%72%24%58%71%67%46%40%15%29%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Amerisave Mortgage Company’s rates ran -0.15 pp lower than the typical New Jersey lender (average rate spread +0.13 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Amerisave Mortgage Company approves

By income
Under $50k20.3% · 1,813$50–75k41.7% · 2,828$75–100k51.5% · 3,166$100–150k60.8% · 4,640$150–250k66.1% · 4,079$250k+67.7% · 1,651
By debt-to-income
Under 36%70.4% · 6,98036–43%68.8% · 3,41343–50%62.3% · 3,620Over 50%15.0% · 2,819
By down payment (LTV)
20%+ down58.8% · 14,18910–20% down40.9% · 2,0355–10% down50.5% · 5483–5% down33.3% · 195Under 3% down37.3% · 633

Why Amerisave Mortgage Company denied applications

Incomplete application39% of denialsDebt-to-income ratio24% of denialsOther10% of denialsCredit history10% of denialsCollateral (value/type)10% of denialsUnverifiable information9% of denials

Where Amerisave Mortgage Company lends in NJ

CountyDecisionsApproval
Middlesex County2,00357.6%
Bergen County1,71958.5%
Ocean County1,50353.2%
Monmouth County1,49158.7%
Essex County1,25647.5%
Burlington County1,12956.9%
Morris County1,07760.9%
Camden County1,04046.0%

Fees & closing costs

Median total loan costs
$7,217
home purchase
As % of loan
1.99%
NJ median 1.93%
Priced originations
1,213
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Amerisave Mortgage Company’s home-purchase originations — 0.05 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $1,618. 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
110
from NJ, 2022–present
Answered on time
100%
of complaints
Closed with relief
10%
monetary or non-monetary

Complaints New Jersey mortgage customers filed against Amerisave Mortgage Company with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Applying for a mortgage or refinancing an existing mortgage. 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 Amerisave Mortgage Company 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 Amerisave Mortgage Company (LEI 549300YIQ7S7Z8PIHE53). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →