Lender report card · New Jersey

Goodleap, Llc

Roseville, CA · What the federal mortgage record shows about how Goodleap, Llc treated New Jersey applicants, 2018–2025 — 2,161 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
45.3%
980 approved
Denial rate
54.7%
1,181 denied
Decisions
2,161
2018–2025
Avg. rate spread
+0.38 pp
vs. market benchmark
45.3% approved
54.7% denied

Share of 2,161 New Jersey applications Goodleap, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional47.1% of 1,387 · NJ 87%FHA39.3% of 639 · NJ 79%VA56.3% of 135 · NJ 80%

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

Approval rate over time

20%34%48%62%76%23%36%69%77%60%62%72%71%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Goodleap, Llc’s rates ran +0.00 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 Goodleap, Llc approves

By income
Under $50k20.7% · 469$50–75k46.8% · 513$75–100k53.0% · 396$100–150k55.1% · 461$150–250k58.3% · 228$250k+42.9% · 35
By debt-to-income
Under 36%48.4% · 55236–43%56.3% · 44643–50%56.4% · 539Over 50%20.9% · 550
By down payment (LTV)
20%+ down63.0% · 1,00510–20% down62.5% · 1205–10% down58.2% · 55Under 3% down43.8% · 32

Why Goodleap, Llc denied applications

Incomplete application40% of denialsCredit history24% of denialsDebt-to-income ratio22% of denialsCollateral (value/type)13% of denialsOther12% of denialsInsufficient cash to close5% of denials

Where Goodleap, Llc lends in NJ

CountyDecisionsApproval
Middlesex County20340.9%
Burlington County20351.7%
Camden County18250.0%
Ocean County16645.2%
Monmouth County15734.4%
Essex County15444.8%
Gloucester County14649.3%
Bergen County12834.4%

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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 Goodleap, Llc (LEI 549300YN94MOAVYW0F52). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →