The Mortgage Record
Lender report card · New Jersey

J.g. Wentworth Home Lending Llc

Woodbridge, VA · What the federal mortgage record shows about how J.g. Wentworth Home Lending Llc treated New Jersey applicants, 2018–2025 — 962 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
84.8%
816 approved
Denial rate
15.2%
146 denied
Decisions
962
2018–2025
Avg. rate spread
+0.28 pp
vs. market benchmark
84.8% approved
15.2% denied

Share of 962 New Jersey applications J.g. Wentworth Home Lending Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional86.5% of 741 · NJ 87%FHA74.0% of 154 · NJ 79%VA91.0% of 67 · NJ 80%

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

Approval rate over time

79%81%83%85%87%89%82%87%20182019

Pricing

Adjusting for its loan-type mix, J.g. Wentworth Home Lending Llc’s rates ran -0.02 pp in line with than the typical New Jersey lender (average rate spread +0.28 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who J.g. Wentworth Home Lending Llc approves

By income
Under $50k54.1% · 61$50–75k75.8% · 124$75–100k83.2% · 202$100–150k88.3% · 248$150–250k93.3% · 253$250k+89.2% · 74
By debt-to-income
Under 36%89.9% · 38736–43%91.8% · 49
By down payment (LTV)
20%+ down89.4% · 31210–20% down87.7% · 735–10% down80.6% · 363–5% down79.3% · 29

Why J.g. Wentworth Home Lending Llc denied applications

Debt-to-income ratio51% of denialsCredit history25% of denialsCollateral (value/type)12% of denialsOther11% of denialsUnverifiable information2% of denialsIncomplete application2% of denials

Where J.g. Wentworth Home Lending Llc lends in NJ

CountyDecisionsApproval
Middlesex County10987.2%
Monmouth County9986.9%
Ocean County9484.0%
Morris County8385.5%
Bergen County8386.7%
Essex County6379.4%
Union County5984.7%
Somerset County5188.2%

Fees & closing costs

Median total loan costs
$6,054
home purchase
As % of loan
1.95%
NJ median 1.93%
Priced originations
247
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on J.g. Wentworth Home Lending Llc’s home-purchase originations — about the 1.93% New Jersey median. Typical lender credit toward costs: $522. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare J.g. Wentworth Home Lending 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 J.g. Wentworth Home Lending Llc (LEI 549300RB1N775H459G78). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →