The Mortgage Record
Lender report card · New Jersey

Bond Street Mortgage, Llc

Paramus, NJ · What the federal mortgage record shows about how Bond Street Mortgage, Llc treated New Jersey applicants, 2018–2025 — 8,291 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
97.7%
8,100 approved
Denial rate
2.3%
191 denied
Decisions
8,291
2018–2025
Avg. rate spread
+0.34 pp
vs. market benchmark
97.7% approved
2.3% denied

Share of 8,291 New Jersey applications Bond Street 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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

Conventional98.0% of 6,930 · NJ 87%FHA95.7% of 1,185 · NJ 79%VA98.3% of 175 · NJ 80%

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

Approval rate over time

91%93%95%97%99%98%100%98%98%97%97%96%94%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Bond Street Mortgage, Llc’s rates ran +0.02 pp in line with than the typical New Jersey lender (average rate spread +0.34 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Bond Street Mortgage, Llc approves

By income
Under $50k93.2% · 280$50–75k96.3% · 829$75–100k97.3% · 1,421$100–150k98.0% · 2,587$150–250k98.2% · 2,203$250k+99.0% · 962
By debt-to-income
Under 36%99.0% · 3,07736–43%98.6% · 2,15143–50%97.9% · 2,334Over 50%86.9% · 581
By down payment (LTV)
20%+ down98.3% · 4,38710–20% down97.7% · 1,1375–10% down96.4% · 1,0273–5% down95.7% · 622Under 3% down97.7% · 216

Why Bond Street Mortgage, Llc denied applications

Debt-to-income ratio28% of denialsCollateral (value/type)23% of denialsInsufficient cash to close18% of denialsUnverifiable information15% of denialsOther11% of denialsIncomplete application7% of denials

Where Bond Street Mortgage, Llc lends in NJ

CountyDecisionsApproval
Bergen County2,18098.2%
Passaic County84698.2%
Middlesex County79798.5%
Hudson County75895.9%
Essex County68297.8%
Monmouth County63898.4%
Ocean County63598.1%
Morris County49998.8%

Fees & closing costs

Median total loan costs
$6,236
home purchase
As % of loan
1.87%
NJ median 1.93%
Priced originations
5,500
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Bond Street Mortgage, Llc’s home-purchase originations — 0.06 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 Bond Street Mortgage, Llc (LEI 549300EL87GZMCVX0Q34). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →