The Mortgage Record
Lender report card · New Jersey

Pacific Union Financial, Llc

Dallas, TX · What the federal mortgage record shows about how Pacific Union Financial, Llc treated New Jersey applicants, 2018–2025 — 800 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
63.7%
510 approved
Denial rate
36.3%
290 denied
Decisions
800
2018–2025
Avg. rate spread
+1.28 pp
vs. market benchmark
63.7% approved
36.3% denied

Share of 800 New Jersey applications Pacific Union Financial, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional64.8% of 125 · NJ 87%FHA62.2% of 590 · NJ 79%VA72.5% of 69 · NJ 80%

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

Approval rate over time

54%57%60%63%66%64%57%20182019

Pricing

Adjusting for its loan-type mix, Pacific Union Financial, Llc’s rates ran +0.57 pp higher than the typical New Jersey lender (average rate spread +1.28 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Pacific Union Financial, Llc approves

By income
Under $50k57.4% · 115$50–75k63.4% · 213$75–100k63.0% · 189$100–150k68.0% · 197$150–250k64.9% · 74
By debt-to-income
Under 36%68.8% · 14136–43%70.7% · 18143–50%67.8% · 239Over 50%50.6% · 235
By down payment (LTV)
3–5% down56.7% · 30

Why Pacific Union Financial, Llc denied applications

Incomplete application32% of denialsUnverifiable information27% of denialsDebt-to-income ratio19% of denialsCredit history13% of denialsOther9% of denialsInsufficient cash to close8% of denials

Where Pacific Union Financial, Llc lends in NJ

CountyDecisionsApproval
Middlesex County8563.5%
Burlington County7473.0%
Essex County7153.5%
Camden County6170.5%
Union County6068.3%
Ocean County5957.6%
Passaic County5154.9%
Gloucester County4470.5%

Fees & closing costs

Median total loan costs
$7,747
home purchase
As % of loan
3.32%
NJ median 1.93%
Priced originations
160
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Pacific Union Financial, Llc’s home-purchase originations — 1.39 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $1,065. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Pacific Union Financial, 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 Pacific Union Financial, Llc (LEI 549300410TULSMMGDX92). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →