The Mortgage Record
Lender report card · New Jersey

Nexera Holding Llc

Emeryville, CA · What the federal mortgage record shows about how Nexera Holding Llc treated New Jersey applicants, 2018–2025 — 401 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
83.3%
334 approved
Denial rate
16.7%
67 denied
Decisions
401
2018–2025
Avg. rate spread
+1.01 pp
vs. market benchmark
83.3% approved
16.7% denied

Share of 401 New Jersey applications Nexera Holding Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional86.0% of 351 · NJ 87%FHA63.3% of 49 · NJ 79%

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

Approval rate over time

35%51%67%83%99%38%89%80%97%87%92%93%92%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Nexera Holding Llc’s rates ran +0.71 pp higher than the typical New Jersey lender (average rate spread +1.01 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Nexera Holding Llc approves

By income
Under $50k58.1% · 43$50–75k70.4% · 27$75–100k68.3% · 41$100–150k85.4% · 103$150–250k91.0% · 89$250k+94.9% · 98
By debt-to-income
Under 36%94.0% · 16836–43%89.0% · 8243–50%79.8% · 89Over 50%28.6% · 35
By down payment (LTV)
20%+ down92.1% · 29210–20% down87.2% · 47

Why Nexera Holding Llc denied applications

Debt-to-income ratio45% of denialsCredit history19% of denialsCollateral (value/type)15% of denialsOther13% of denialsInsufficient cash to close4% of denialsEmployment history3% of denials

Where Nexera Holding Llc lends in NJ

CountyDecisionsApproval
Ocean County4187.8%
Bergen County3683.3%
Monmouth County3582.9%
Hudson County3580.0%
Burlington County3083.3%
Union County3083.3%
Middlesex County2785.2%

Fees & closing costs

Median total loan costs
$15,524
home purchase
As % of loan
3.88%
NJ median 1.93%
Priced originations
123
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Nexera Holding Llc’s home-purchase originations — 1.94 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $1,864. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Nexera Holding Llc to other lenders for your profile

Enter your income, county, DTI and down payment to see who approves borrowers like you.

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 Nexera Holding Llc (LEI 549300EKFFG3BU8DNX74). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →