Western Express Lending
Lake Forest, CA · What the federal mortgage record shows about how Western Express Lending treated New Jersey applicants, 2018–2025 — 281 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 281 New Jersey applications Western Express Lending 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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, Western Express Lending’s rates ran -0.05 pp lower than the typical New Jersey lender (average rate spread +0.20 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Western Express Lending approves
Why Western Express Lending denied applications
Where Western Express Lending lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Camden County | 57 | 96.5% |
| Burlington County | 49 | 95.9% |
| Gloucester County | 31 | 96.8% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Western Express Lending’s home-purchase originations — about the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Western Express Lending to other lenders for your profile
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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 Western Express Lending (LEI 549300LTT1PNSPD2JT50). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →