The Mortgage Record
Lender report card · New Jersey

Parkside Lending, Llc

San Francisco, CA · What the federal mortgage record shows about how Parkside Lending, Llc treated New Jersey applicants, 2018–2025 — 1,240 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
75.7%
939 approved
Denial rate
24.3%
301 denied
Decisions
1,240
2018–2025
Avg. rate spread
+0.30 pp
vs. market benchmark
75.7% approved
24.3% denied

Share of 1,240 New Jersey applications Parkside Lending, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional76.1% of 1,214 · NJ 87%

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

Approval rate over time

53%62%71%80%89%88%86%79%56%2018201920202021

Pricing

Adjusting for its loan-type mix, Parkside Lending, Llc’s rates ran +0.05 pp higher than the typical New Jersey lender (average rate spread +0.30 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Parkside Lending, Llc approves

By income
Under $50k68.8% · 256$50–75k74.0% · 192$75–100k77.0% · 230$100–150k77.8% · 252$150–250k82.0% · 211$250k+75.8% · 99
By debt-to-income
Under 36%72.4% · 36636–43%73.5% · 21943–50%83.3% · 282Over 50%5.3% · 57
By down payment (LTV)
20%+ down72.7% · 74410–20% down59.6% · 575–10% down60.6% · 33

Why Parkside Lending, Llc denied applications

Unverifiable information43% of denialsDebt-to-income ratio29% of denialsInsufficient cash to close24% of denialsOther21% of denialsCollateral (value/type)17% of denialsCredit history7% of denials

Where Parkside Lending, Llc lends in NJ

CountyDecisionsApproval
Ocean County35277.6%
Essex County34972.2%
Hudson County20378.8%
Union County6869.1%
Bergen County6776.1%
Mercer County5572.7%
Monmouth County3881.6%

Fees & closing costs

Median total loan costs
$7,331
home purchase
As % of loan
2.43%
NJ median 1.93%
Priced originations
203
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Parkside Lending, Llc’s home-purchase originations — 0.49 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $1,573. 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 Parkside Lending, Llc (LEI 5493009DTDMV4MI5MT96). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →