Planet Home Lending, Llc
Meriden, CT · What the federal mortgage record shows about how Planet Home Lending, Llc treated New Jersey applicants, 2018–2025 — 1,480 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 1,480 New Jersey applications Planet Home Lending, Llc 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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, Planet Home Lending, Llc’s rates ran -0.42 pp lower than the typical New Jersey lender (average rate spread +0.10 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Planet Home Lending, Llc approves
Why Planet Home Lending, Llc denied applications
Where Planet Home Lending, Llc lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Ocean County | 168 | 75.0% |
| Middlesex County | 124 | 79.0% |
| Essex County | 121 | 64.5% |
| Burlington County | 107 | 76.6% |
| Camden County | 106 | 83.0% |
| Union County | 101 | 65.3% |
| Bergen County | 85 | 81.2% |
| Monmouth County | 79 | 72.2% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Planet Home Lending, Llc’s home-purchase originations — 1.33 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $205. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Consumer complaints
Complaints New Jersey mortgage customers filed against Planet Home Lending, Llc with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Trouble during payment process. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.
Compare Planet Home Lending, Llc to other lenders for your profile
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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 Planet Home Lending, Llc (LEI 54930021WPEXNHYZUL09). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →