The Mortgage Record
Lender report card · New Jersey

Affordable Mortgage Advisors

Pittsburgh, PA · What the federal mortgage record shows about how Affordable Mortgage Advisors treated New Jersey applicants, 2018–2025 — 1,828 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
97.6%
1,784 approved
Denial rate
2.4%
44 denied
Decisions
1,828
2018–2025
Avg. rate spread
+0.38 pp
vs. market benchmark
97.6% approved
2.4% denied

Share of 1,828 New Jersey applications Affordable Mortgage Advisors 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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 1,224 · NJ 87%FHA95.9% of 487 · NJ 79%VA98.2% of 113 · NJ 80%

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

Approval rate over time

94%95%96%97%98%99%100%99%97%20242025

Pricing

Adjusting for its loan-type mix, Affordable Mortgage Advisors’s rates ran -0.03 pp in line with than the typical New Jersey lender (average rate spread +0.38 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Affordable Mortgage Advisors approves

By income
Under $50k90.3% · 72$50–75k97.7% · 258$75–100k97.2% · 395$100–150k98.8% · 571$150–250k97.8% · 400$250k+96.8% · 125
By debt-to-income
Under 36%98.3% · 47736–43%99.2% · 47543–50%97.9% · 658Over 50%91.8% · 208
By down payment (LTV)
20%+ down98.6% · 84110–20% down97.7% · 2225–10% down97.7% · 2203–5% down96.4% · 332Under 3% down95.3% · 212

Why Affordable Mortgage Advisors denied applications

Collateral (value/type)36% of denialsOther30% of denialsDebt-to-income ratio30% of denialsCredit history14% of denialsInsufficient cash to close7% of denialsEmployment history5% of denials

Where Affordable Mortgage Advisors lends in NJ

CountyDecisionsApproval
Atlantic County55798.0%
Gloucester County34198.2%
Camden County32997.0%
Burlington County22699.1%
Ocean County8995.5%
Cumberland County6895.6%
Salem County5896.6%
Cape May County41100.0%

Fees & closing costs

Median total loan costs
$5,994
home purchase
As % of loan
2.30%
NJ median 1.93%
Priced originations
1,540
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Affordable Mortgage Advisors’s home-purchase originations — 0.37 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $799. 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 Affordable Mortgage Advisors (LEI 549300DE8TS4EYTPX729). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →