Ownerschoice Funding, Inc.
Albany, NY · What the federal mortgage record shows about how Ownerschoice Funding, Inc. treated New Jersey applicants, 2018–2025 — 255 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 255 New Jersey applications Ownerschoice Funding, 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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, Ownerschoice Funding, Inc.’s rates ran +0.09 pp higher than the typical New Jersey lender (average rate spread +0.32 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Ownerschoice Funding, Inc. approves
Why Ownerschoice Funding, Inc. denied applications
Where Ownerschoice Funding, Inc. lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Atlantic County | 49 | 67.3% |
| Salem County | 38 | 63.2% |
| Middlesex County | 29 | 58.6% |
Compare Ownerschoice Funding, Inc. 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 Ownerschoice Funding, Inc. (LEI 549300W5V403XF1RX254). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →