Impac Mortgage Corp
Newport Beach, CA · What the federal mortgage record shows about how Impac Mortgage Corp treated New Jersey applicants, 2018–2025 — 613 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 613 New Jersey applications Impac Mortgage Corp approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Impac Mortgage Corp’s rates ran +1.03 pp higher than the typical New Jersey lender (average rate spread +1.29 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Impac Mortgage Corp approves
Why Impac Mortgage Corp denied applications
Where Impac Mortgage Corp lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Bergen County | 67 | 67.2% |
| Monmouth County | 59 | 55.9% |
| Middlesex County | 49 | 49.0% |
| Ocean County | 49 | 44.9% |
| Essex County | 44 | 52.3% |
| Burlington County | 40 | 57.5% |
| Morris County | 39 | 46.2% |
| Union County | 36 | 55.6% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Impac Mortgage Corp’s home-purchase originations — 1.26 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $238. 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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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 Impac Mortgage Corp (LEI 549300U2WRK55BY8UC05). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →