The Mortgage Record
Lender report card · New Jersey

Gmh Mortgage Services Llc

Conshohocken, PA · What the federal mortgage record shows about how Gmh Mortgage Services Llc treated New Jersey applicants, 2018–2025 — 350 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
94.6%
331 approved
Denial rate
5.4%
19 denied
Decisions
350
2018–2025
Avg. rate spread
+1.98 pp
vs. market benchmark
94.6% approved
5.4% denied

Share of 350 New Jersey applications Gmh Mortgage Services Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional96.8% of 278 · NJ 87%FHA85.7% of 63 · NJ 79%

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

Approval rate over time

89%91%93%95%97%96%92%20182019

Pricing

Adjusting for its loan-type mix, Gmh Mortgage Services Llc’s rates ran +1.25 pp higher than the typical New Jersey lender (average rate spread +1.98 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Gmh Mortgage Services Llc approves

By income
$50–75k94.3% · 70$75–100k98.3% · 59$100–150k97.0% · 101$150–250k97.1% · 70$250k+88.5% · 26
By debt-to-income
Under 36%98.5% · 13036–43%96.6% · 8843–50%90.2% · 82Over 50%76.9% · 26
By down payment (LTV)
20%+ down92.6% · 54

Why Gmh Mortgage Services Llc denied applications

Collateral (value/type)37% of denialsDebt-to-income ratio37% of denialsOther26% of denialsCredit history16% of denialsMortgage insurance denied16% of denialsUnverifiable information11% of denials

Where Gmh Mortgage Services Llc lends in NJ

CountyDecisionsApproval
Somerset County5196.1%
Middlesex County46100.0%
Cape May County4493.2%
Gloucester County3997.4%
Camden County2680.8%

Fees & closing costs

Median total loan costs
$4,595
home purchase
As % of loan
1.93%
NJ median 1.93%
Priced originations
263
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Gmh Mortgage Services Llc’s home-purchase originations — about the 1.93% New Jersey median. Typical lender credit toward costs: $124. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Gmh Mortgage Services 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 Gmh Mortgage Services Llc (LEI 254900GHOV7VQ9CSKN31). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →