Lender report card · New Jersey

Amwest Funding Corp

Brea, CA · What the federal mortgage record shows about how Amwest Funding Corp treated New Jersey applicants, 2018–2025 — 1,121 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
89.7%
1,006 approved
Denial rate
10.3%
115 denied
Decisions
1,121
2018–2025
Avg. rate spread
+0.62 pp
vs. market benchmark
89.7% approved
10.3% denied

Share of 1,121 New Jersey applications Amwest Funding Corp approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional90.9% of 1,004 · NJ 87%FHA79.4% of 107 · NJ 79%

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

Approval rate over time

81%85%89%93%97%87%95%90%95%92%84%88%90%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Amwest Funding Corp’s rates ran +0.33 pp higher than the typical New Jersey lender (average rate spread +0.62 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Amwest Funding Corp approves

By income
Under $50k89.3% · 28$50–75k83.8% · 68$75–100k89.8% · 147$100–150k88.6% · 332$150–250k92.5% · 371$250k+89.8% · 157
By debt-to-income
Under 36%93.9% · 38036–43%92.8% · 32143–50%92.9% · 308Over 50%45.2% · 73
By down payment (LTV)
20%+ down91.8% · 81310–20% down93.3% · 755–10% down75.4% · 613–5% down77.8% · 45

Why Amwest Funding Corp denied applications

Other35% of denialsDebt-to-income ratio30% of denialsCollateral (value/type)13% of denialsUnverifiable information11% of denialsIncomplete application10% of denialsCredit history10% of denials

Where Amwest Funding Corp lends in NJ

CountyDecisionsApproval
Bergen County40492.6%
Middlesex County12989.1%
Monmouth County8086.2%
Ocean County6885.3%
Union County5794.7%
Hudson County5678.6%
Essex County5481.5%
Somerset County5494.4%

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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 Amwest Funding Corp (LEI 549300O6Z0I6KYMESL47). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →