The Mortgage Record
Lender report card · New Jersey

American Internet Mortgage, Inc.

San Diego, CA · What the federal mortgage record shows about how American Internet Mortgage, Inc. treated New Jersey applicants, 2018–2025 — 903 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
76.4%
690 approved
Denial rate
23.6%
213 denied
Decisions
903
2018–2025
Avg. rate spread
-0.03 pp
vs. market benchmark
76.4% approved
23.6% denied

Share of 903 New Jersey applications American Internet Mortgage, Inc. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional76.7% of 894 · NJ 87%

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

Approval rate over time

47%57%67%77%87%85%87%80%71%51%75%63%71%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, American Internet Mortgage, Inc.’s rates ran -0.25 pp lower than the typical New Jersey lender (average rate spread -0.03 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who American Internet Mortgage, Inc. approves

By income
Under $50k28.3% · 46$50–75k69.4% · 85$75–100k77.1% · 131$100–150k79.9% · 254$150–250k82.9% · 263$250k+77.4% · 124
By debt-to-income
Under 36%83.2% · 50036–43%83.3% · 16843–50%85.7% · 154Over 50%2.5% · 81
By down payment (LTV)
20%+ down77.7% · 71610–20% down64.2% · 535–10% down51.6% · 31

Why American Internet Mortgage, Inc. denied applications

Debt-to-income ratio39% of denialsOther21% of denialsCredit history18% of denialsCollateral (value/type)11% of denialsUnverifiable information10% of denialsInsufficient cash to close5% of denials

Where American Internet Mortgage, Inc. lends in NJ

CountyDecisionsApproval
Middlesex County13678.7%
Bergen County10377.7%
Monmouth County8469.0%
Hudson County6175.4%
Morris County6076.7%
Essex County5881.0%
Burlington County5877.6%
Somerset County4985.7%

Fees & closing costs

Median total loan costs
$4,795
home purchase
As % of loan
1.49%
NJ median 1.93%
Priced originations
109
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on American Internet Mortgage, Inc.’s home-purchase originations — 0.44 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $830. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare American Internet Mortgage, Inc. to other lenders for your profile

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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 American Internet Mortgage, Inc. (LEI 549300BOXNV8VLRBDT24). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →