The Mortgage Record
Lender report card · New Jersey

Cmg Mortgage Inc

San Ramon, IL · What the federal mortgage record shows about how Cmg Mortgage Inc treated New Jersey applicants, 2018–2025 — 7,223 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
93.3%
6,739 approved
Denial rate
6.7%
484 denied
Decisions
7,223
2018–2025
Avg. rate spread
+0.46 pp
vs. market benchmark
93.3% approved
6.7% denied

Share of 7,223 New Jersey applications Cmg 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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

Conventional94.8% of 4,912 · NJ 87%FHA90.0% of 1,949 · NJ 79%VA91.3% of 355 · NJ 80%

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

Approval rate over time

89%90%91%92%93%94%95%96%92%92%94%93%92%94%93%93%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Cmg Mortgage Inc’s rates ran +0.07 pp higher than the typical New Jersey lender (average rate spread +0.46 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Cmg Mortgage Inc approves

By income
Under $50k74.4% · 301$50–75k90.6% · 968$75–100k93.7% · 1,287$100–150k94.9% · 2,129$150–250k96.3% · 1,712$250k+94.9% · 631
By debt-to-income
Under 36%95.6% · 2,04236–43%97.0% · 1,75643–50%95.6% · 2,430Over 50%75.9% · 967
By down payment (LTV)
20%+ down94.2% · 3,14110–20% down93.3% · 9535–10% down94.2% · 9763–5% down92.4% · 933Under 3% down90.7% · 923

Why Cmg Mortgage Inc denied applications

Debt-to-income ratio39% of denialsOther25% of denialsCredit history20% of denialsUnverifiable information15% of denialsInsufficient cash to close15% of denialsCollateral (value/type)13% of denials

Where Cmg Mortgage Inc lends in NJ

CountyDecisionsApproval
Burlington County83694.9%
Ocean County80995.2%
Camden County60194.3%
Gloucester County56095.0%
Middlesex County52393.3%
Monmouth County49993.0%
Union County46292.2%
Bergen County38590.6%

Fees & closing costs

Median total loan costs
$8,936
home purchase
As % of loan
2.76%
NJ median 1.93%
Priced originations
4,555
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Cmg Mortgage Inc’s home-purchase originations — 0.82 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $1,000. 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 Cmg Mortgage Inc (LEI 549300GKFNPRWNS0GF29). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →