Sovereign Lending Group Inc.
Newport Beach, CA · What the federal mortgage record shows about how Sovereign Lending Group Inc. treated New Jersey applicants, 2018–2025 — 826 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 826 New Jersey applications Sovereign Lending Group 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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, Sovereign Lending Group Inc.’s rates ran -0.12 pp lower than the typical New Jersey lender (average rate spread +0.10 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Sovereign Lending Group Inc. approves
Why Sovereign Lending Group Inc. denied applications
Where Sovereign Lending Group Inc. lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Essex County | 70 | 37.1% |
| Monmouth County | 70 | 38.6% |
| Ocean County | 69 | 37.7% |
| Burlington County | 68 | 29.4% |
| Union County | 68 | 35.3% |
| Middlesex County | 67 | 37.3% |
| Bergen County | 67 | 41.8% |
| Passaic County | 42 | 31.0% |
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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 Sovereign Lending Group Inc. (LEI 549300BFJ8COFCPOMU05). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →