The Mortgage Record
Lender report card · New Jersey

Trident Mortgage Company Lp

Devon, PA · What the federal mortgage record shows about how Trident Mortgage Company Lp treated New Jersey applicants, 2018–2025 — 6,638 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
97.4%
6,464 approved
Denial rate
2.6%
174 denied
Decisions
6,638
2018–2025
Avg. rate spread
+0.42 pp
vs. market benchmark
97.4% approved
2.6% denied

Share of 6,638 New Jersey applications Trident Mortgage Company Lp approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional98.2% of 5,019 · NJ 87%FHA94.8% of 1,389 · NJ 79%VA95.9% of 193 · NJ 80%USDA89.2% of 37 · NJ 87%

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

Approval rate over time

93%94%95%96%97%98%99%100%97%97%98%201820192020

Pricing

Adjusting for its loan-type mix, Trident Mortgage Company Lp’s rates ran +0.05 pp higher than the typical New Jersey lender (average rate spread +0.42 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Trident Mortgage Company Lp approves

By income
Under $50k93.0% · 675$50–75k96.8% · 1,432$75–100k97.7% · 1,149$100–150k98.1% · 1,561$150–250k98.3% · 1,233$250k+99.1% · 585
By debt-to-income
Under 36%98.3% · 2,87336–43%98.0% · 1,71143–50%97.7% · 1,659Over 50%86.6% · 395
By down payment (LTV)
20%+ down98.2% · 2,40910–20% down98.5% · 7245–10% down98.5% · 6463–5% down97.4% · 620Under 3% down92.9% · 630

Why Trident Mortgage Company Lp denied applications

Collateral (value/type)30% of denialsDebt-to-income ratio28% of denialsCredit history20% of denialsOther13% of denialsUnverifiable information12% of denialsInsufficient cash to close8% of denials

Where Trident Mortgage Company Lp lends in NJ

CountyDecisionsApproval
Camden County1,63698.0%
Burlington County1,40997.1%
Gloucester County1,07498.0%
Atlantic County63795.9%
Mercer County39997.7%
Cape May County37098.4%
Monmouth County18695.7%
Cumberland County17295.9%

Fees & closing costs

Median total loan costs
$4,496
home purchase
As % of loan
2.24%
NJ median 1.93%
Priced originations
5,115
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Trident Mortgage Company Lp’s home-purchase originations — 0.31 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $46. 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 Trident Mortgage Company Lp (LEI 549300LDVDAIKBVCY905). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →