Lender report card · New Jersey

Keller Mortgage, Llc

Austin, TX · What the federal mortgage record shows about how Keller Mortgage, Llc treated New Jersey applicants, 2018–2025 — 303 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
95.0%
288 approved
Denial rate
5.0%
15 denied
Decisions
303
2018–2025
Avg. rate spread
+0.17 pp
vs. market benchmark
95.0% approved
5.0% denied

Share of 303 New Jersey applications Keller 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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

Conventional95.4% of 261 · NJ 87%FHA88.5% of 26 · NJ 79%

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

Approval rate over time

88%91%94%97%100%100%97%91%97%100%100%201820192020202120222023

Pricing

Adjusting for its loan-type mix, Keller Mortgage, Llc’s rates ran -0.10 pp lower than the typical New Jersey lender (average rate spread +0.17 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Keller Mortgage, Llc approves

By income
$50–75k86.5% · 52$75–100k94.3% · 53$100–150k99.0% · 101$150–250k95.5% · 67
By debt-to-income
Under 36%97.2% · 14436–43%100.0% · 7343–50%95.8% · 71
By down payment (LTV)
20%+ down94.4% · 16010–20% down94.4% · 365–10% down98.0% · 50Under 3% down89.3% · 28

Why Keller Mortgage, Llc denied applications

Debt-to-income ratio67% of denialsUnverifiable information13% of denialsOther13% of denialsEmployment history7% of denialsCollateral (value/type)7% of denialsCredit history7% of denials

Where Keller Mortgage, Llc lends in NJ

CountyDecisionsApproval
Ocean County42100.0%
Mercer County32100.0%
Morris County3093.3%
Burlington County28100.0%

Fees & closing costs

Median total loan costs
$4,603
home purchase
As % of loan
1.54%
NJ median 1.93%
Priced originations
208
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Keller Mortgage, Llc’s home-purchase originations — 0.39 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $100. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Keller 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 Keller Mortgage, Llc (LEI 549300GUS13Z72B6KD63). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →