The Mortgage Record
Lender report card · New Jersey

Deephaven Mortgage Llc

Charlotte, NC · What the federal mortgage record shows about how Deephaven Mortgage Llc treated New Jersey applicants, 2018–2025 — 449 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
60.1%
270 approved
Denial rate
39.9%
179 denied
Decisions
449
2018–2025
Avg. rate spread
+2.05 pp
vs. market benchmark
60.1% approved
39.9% denied

Share of 449 New Jersey applications Deephaven 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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

Conventional60.1% of 449 · NJ 87%

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

Approval rate over time

28%38%48%58%68%65%31%56%59%56%65%67%2019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Deephaven Mortgage Llc’s rates ran +1.82 pp higher than the typical New Jersey lender (average rate spread +2.05 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Deephaven Mortgage Llc approves

By income
$75–100k52.2% · 46$100–150k68.4% · 76$150–250k63.3% · 90$250k+59.0% · 195
By debt-to-income
Under 36%59.7% · 21636–43%60.5% · 8643–50%73.4% · 109Over 50%13.8% · 29
By down payment (LTV)
20%+ down61.8% · 36910–20% down55.3% · 76

Why Deephaven Mortgage Llc denied applications

Unverifiable information44% of denialsIncomplete application20% of denialsDebt-to-income ratio15% of denialsCollateral (value/type)13% of denialsCredit history7% of denialsOther7% of denials

Where Deephaven Mortgage Llc lends in NJ

CountyDecisionsApproval
Bergen County5060.0%
Monmouth County4766.0%
Ocean County4566.7%
Middlesex County3265.6%
Essex County2650.0%

Fees & closing costs

Median total loan costs
$11,524
home purchase
As % of loan
2.99%
NJ median 1.93%
Priced originations
195
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Deephaven Mortgage Llc’s home-purchase originations — 1.05 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $759. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Deephaven Mortgage Llc 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 Deephaven Mortgage Llc (LEI 549300Y5Y88FQLI7VE83). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →