Lender report card · New Jersey

Intelliloan, Inc.

Irvine, CA · What the federal mortgage record shows about how Intelliloan, Inc. treated New Jersey applicants, 2018–2025 — 403 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
76.4%
308 approved
Denial rate
23.6%
95 denied
Decisions
403
2018–2025
Avg. rate spread
+0.65 pp
vs. market benchmark
76.4% approved
23.6% denied

Share of 403 New Jersey applications Intelliloan, Inc. approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional73.6% of 91 · NJ 87%FHA77.4% of 288 · NJ 79%

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

Approval rate over time

53%63%73%83%93%57%79%74%83%70%91%86%2018201920202021202220242025

Pricing

Adjusting for its loan-type mix, Intelliloan, Inc.’s rates ran -0.06 pp lower than the typical New Jersey lender (average rate spread +0.65 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Intelliloan, Inc. approves

By income
Under $50k77.2% · 79$50–75k58.2% · 55$75–100k65.4% · 52$100–150k81.5% · 54$150–250k78.6% · 28
By debt-to-income
Under 36%76.4% · 5536–43%83.8% · 3743–50%76.2% · 63Over 50%42.6% · 54
By down payment (LTV)
20%+ down78.6% · 13110–20% down81.2% · 695–10% down81.6% · 493–5% down82.9% · 41Under 3% down82.9% · 41

Why Intelliloan, Inc. denied applications

Other45% of denialsDebt-to-income ratio26% of denialsCredit history25% of denialsCollateral (value/type)14% of denialsIncomplete application9% of denialsInsufficient cash to close2% of denials

Where Intelliloan, Inc. lends in NJ

CountyDecisionsApproval
Ocean County4678.3%
Essex County4283.3%
Middlesex County4072.5%
Bergen County3375.8%
Camden County3183.9%
Monmouth County3080.0%
Union County2878.6%

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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 Intelliloan, Inc. (LEI 549300Q6YL1SFVPEGV90). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →