The Mortgage Record
Lender report card · New Jersey

Atlantis Mortgage Co Inc

West Long Branch, NJ · What the federal mortgage record shows about how Atlantis Mortgage Co Inc treated New Jersey applicants, 2018–2025 — 918 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
91.3%
838 approved
Denial rate
8.7%
80 denied
Decisions
918
2018–2025
Avg. rate spread
+0.44 pp
vs. market benchmark
91.3% approved
8.7% denied

Share of 918 New Jersey applications Atlantis Mortgage Co Inc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional93.3% of 778 · NJ 87%FHA78.5% of 121 · NJ 79%

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

Approval rate over time

79%84%89%94%99%83%92%96%99%90%93%83%86%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Atlantis Mortgage Co Inc’s rates ran +0.14 pp higher than the typical New Jersey lender (average rate spread +0.44 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Atlantis Mortgage Co Inc approves

By income
Under $50k65.4% · 52$50–75k87.8% · 131$75–100k93.5% · 154$100–150k91.4% · 268$150–250k96.8% · 219$250k+93.6% · 94
By debt-to-income
Under 36%96.0% · 39736–43%94.7% · 22543–50%90.6% · 203Over 50%62.1% · 58
By down payment (LTV)
20%+ down96.3% · 51710–20% down96.3% · 815–10% down92.5% · 533–5% down78.0% · 50

Why Atlantis Mortgage Co Inc denied applications

Credit history44% of denialsDebt-to-income ratio21% of denialsCollateral (value/type)16% of denialsOther9% of denialsInsufficient cash to close5% of denialsEmployment history4% of denials

Where Atlantis Mortgage Co Inc lends in NJ

CountyDecisionsApproval
Monmouth County45393.4%
Ocean County20392.1%
Middlesex County8092.5%
Bergen County3093.3%
Atlantic County3090.0%

Fees & closing costs

Median total loan costs
$5,370
home purchase
As % of loan
1.72%
NJ median 1.93%
Priced originations
428
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Atlantis Mortgage Co Inc’s home-purchase originations — 0.21 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $500. 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 Atlantis Mortgage Co Inc (LEI 549300YDTDBXLK67CF48). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →