My Mortgage, Inc
Crofton, MD · What the federal mortgage record shows about how My Mortgage, Inc treated New Jersey applicants, 2018–2025 — 277 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 277 New Jersey applications My Mortgage, Inc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, My Mortgage, Inc’s rates ran +0.49 pp higher than the typical New Jersey lender (average rate spread +1.03 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who My Mortgage, Inc approves
Why My Mortgage, Inc denied applications
Where My Mortgage, Inc lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Passaic County | 74 | 93.2% |
| Bergen County | 66 | 93.9% |
| Essex County | 31 | 96.8% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on My Mortgage, Inc’s home-purchase originations — 2.09 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $123. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare My Mortgage, Inc to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by My Mortgage, Inc (LEI 549300NT030LXB2A8T82). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →