Lender report card · New Jersey

Amerihome Mortgage Company, Llc

Thousand Oaks, CA · What the federal mortgage record shows about how Amerihome Mortgage Company, Llc treated New Jersey applicants, 2018–2025 — 2,610 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
82.4%
2,150 approved
Denial rate
17.6%
460 denied
Decisions
2,610
2018–2025
Avg. rate spread
+0.58 pp
vs. market benchmark
82.4% approved
17.6% denied

Share of 2,610 New Jersey applications Amerihome Mortgage Company, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional82.8% of 1,341 · NJ 87%FHA81.5% of 1,228 · NJ 79%VA92.7% of 41 · NJ 80%

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

Approval rate over time

40%52%64%76%88%44%80%88%89%79%72%81%87%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Amerihome Mortgage Company, Llc’s rates ran +0.03 pp higher than the typical New Jersey lender (average rate spread +0.58 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Amerihome Mortgage Company, Llc approves

By income
Under $50k53.2% · 126$50–75k69.6% · 276$75–100k75.7% · 296$100–150k81.8% · 440$150–250k87.8% · 360$250k+87.3% · 157
By debt-to-income
Under 36%87.8% · 53136–43%86.0% · 41443–50%83.0% · 465Over 50%36.3% · 245
By down payment (LTV)
20%+ down81.2% · 1,18010–20% down76.1% · 1425–10% down85.2% · 883–5% down87.8% · 49Under 3% down75.8% · 33

Why Amerihome Mortgage Company, Llc denied applications

Credit history34% of denialsDebt-to-income ratio24% of denialsOther18% of denialsUnverifiable information12% of denialsCollateral (value/type)10% of denialsInsufficient cash to close5% of denials

Where Amerihome Mortgage Company, Llc lends in NJ

CountyDecisionsApproval
Ocean County40885.0%
Monmouth County28682.9%
Middlesex County19882.8%
Camden County19680.6%
Burlington County18985.7%
Bergen County16485.4%
Union County14685.6%
Gloucester County13378.2%

Fees & closing costs

Median total loan costs
$5,857
home purchase
As % of loan
1.81%
NJ median 1.93%
Priced originations
484
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Amerihome Mortgage Company, Llc’s home-purchase originations — 0.12 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $749. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Consumer complaints

CFPB complaints
55
from NJ, 2022–present
Answered on time
100%
of complaints
Closed with relief
0%
monetary or non-monetary

Complaints New Jersey mortgage customers filed against Amerihome Mortgage Company, Llc with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Trouble during payment process. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.

Compare Amerihome Mortgage Company, Llc 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 Amerihome Mortgage Company, Llc (LEI 254900HA4DQWAE0W3342). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →