The Mortgage Record
Lender report card · New Jersey

Nation One Mortgage Corporatio

Marlton, NJ · What the federal mortgage record shows about how Nation One Mortgage Corporatio treated New Jersey applicants, 2018–2025 — 7,791 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
96.0%
7,480 approved
Denial rate
4.0%
311 denied
Decisions
7,791
2018–2025
Avg. rate spread
+1.03 pp
vs. market benchmark
96.0% approved
4.0% denied

Share of 7,791 New Jersey applications Nation One Mortgage Corporatio approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional97.0% of 3,275 · NJ 87%FHA95.1% of 4,017 · NJ 79%VA97.5% of 404 · NJ 80%USDA92.6% of 95 · NJ 87%

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

Approval rate over time

90%92%94%96%98%100%95%97%97%98%93%95%98%96%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Nation One Mortgage Corporatio’s rates ran +0.46 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 Nation One Mortgage Corporatio approves

By income
Under $50k92.4% · 995$50–75k95.9% · 2,229$75–100k96.2% · 1,829$100–150k97.1% · 1,734$150–250k97.3% · 771$250k+98.2% · 227
By debt-to-income
Under 36%97.1% · 1,93236–43%97.2% · 1,83443–50%96.4% · 2,529Over 50%92.3% · 1,490
By down payment (LTV)
Under 3% down91.8% · 378

Why Nation One Mortgage Corporatio denied applications

Other40% of denialsDebt-to-income ratio29% of denialsInsufficient cash to close19% of denialsCredit history19% of denialsCollateral (value/type)17% of denialsUnverifiable information13% of denials

Where Nation One Mortgage Corporatio lends in NJ

CountyDecisionsApproval
Camden County1,90296.2%
Gloucester County1,67396.5%
Cumberland County1,35397.0%
Atlantic County88795.4%
Burlington County88196.9%
Salem County31094.8%
Mercer County18591.4%
Cape May County15592.3%

Fees & closing costs

Median total loan costs
$9,403
home purchase
As % of loan
4.64%
NJ median 1.93%
Priced originations
6,157
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Nation One Mortgage Corporatio’s home-purchase originations — 2.70 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $125. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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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 Nation One Mortgage Corporatio (LEI 5493006VCMZ998IGOO33). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →