The Mortgage Record
Lender report card · New Jersey

Harborone Mortgage, Llc

Manchester, NH · What the federal mortgage record shows about how Harborone Mortgage, Llc treated New Jersey applicants, 2018–2025 — 1,672 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
92.5%
1,546 approved
Denial rate
7.5%
126 denied
Decisions
1,672
2018–2025
Avg. rate spread
+0.20 pp
vs. market benchmark
92.5% approved
7.5% denied

Share of 1,672 New Jersey applications Harborone Mortgage, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional93.7% of 1,519 · NJ 87%FHA80.9% of 141 · NJ 79%

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

Approval rate over time

87%90%93%96%99%94%91%92%91%98%96%95%97%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Harborone Mortgage, Llc’s rates ran -0.08 pp lower than the typical New Jersey lender (average rate spread +0.20 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Harborone Mortgage, Llc approves

By income
Under $50k75.9% · 58$50–75k85.3% · 204$75–100k90.4% · 251$100–150k93.4% · 394$150–250k95.3% · 429$250k+96.4% · 329
By debt-to-income
Under 36%97.2% · 77236–43%92.6% · 44443–50%92.4% · 368Over 50%44.9% · 78
By down payment (LTV)
20%+ down94.6% · 1,10510–20% down93.9% · 2295–10% down88.6% · 1673–5% down79.5% · 122

Why Harborone Mortgage, Llc denied applications

Debt-to-income ratio36% of denialsOther22% of denialsCredit history21% of denialsCollateral (value/type)19% of denialsIncomplete application13% of denialsUnverifiable information6% of denials

Where Harborone Mortgage, Llc lends in NJ

CountyDecisionsApproval
Monmouth County45892.4%
Ocean County26792.5%
Essex County24097.1%
Morris County18391.8%
Middlesex County10095.0%
Bergen County8389.2%
Passaic County7487.8%
Union County5994.9%

Fees & closing costs

Median total loan costs
$5,602
home purchase
As % of loan
1.47%
NJ median 1.93%
Priced originations
996
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Harborone Mortgage, Llc’s home-purchase originations — 0.46 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $482. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Harborone Mortgage, Llc to other lenders for your profile

Enter your income, county, DTI and down payment to see who approves borrowers like you.

Open the approval tool →

Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Harborone Mortgage, Llc (LEI 549300DAUXQ2DCY4H838). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →