The Mortgage Record
Lender report card · New Jersey

Roundpoint Mortgage Servicing Llc

Fort Mill, SC · What the federal mortgage record shows about how Roundpoint Mortgage Servicing Llc treated New Jersey applicants, 2018–2025 — 1,932 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
90.6%
1,751 approved
Denial rate
9.4%
181 denied
Decisions
1,932
2018–2025
Avg. rate spread
+0.42 pp
vs. market benchmark
90.6% approved
9.4% denied

Share of 1,932 New Jersey applications Roundpoint Mortgage Servicing Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional90.6% of 1,447 · NJ 87%FHA90.5% of 431 · NJ 79%VA92.0% of 50 · NJ 80%

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

Approval rate over time

0%24%48%72%96%79%96%94%0%81%79%202020212022202320242025

Pricing

Adjusting for its loan-type mix, Roundpoint Mortgage Servicing Llc’s rates ran +0.03 pp higher than the typical New Jersey lender (average rate spread +0.42 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Roundpoint Mortgage Servicing Llc approves

By income
Under $50k69.1% · 110$50–75k91.6% · 311$75–100k92.2% · 422$100–150k93.7% · 554$150–250k90.9% · 351$250k+92.9% · 99
By debt-to-income
Under 36%92.2% · 58036–43%94.4% · 41143–50%94.1% · 632Over 50%72.1% · 226
By down payment (LTV)
20%+ down89.3% · 1,02910–20% down90.8% · 2835–10% down94.1% · 2553–5% down93.5% · 275Under 3% down88.7% · 71

Why Roundpoint Mortgage Servicing Llc denied applications

Debt-to-income ratio37% of denialsIncomplete application28% of denialsCredit history14% of denialsCollateral (value/type)12% of denialsUnverifiable information9% of denialsOther8% of denials

Where Roundpoint Mortgage Servicing Llc lends in NJ

CountyDecisionsApproval
Monmouth County21089.5%
Passaic County20993.8%
Bergen County18093.3%
Gloucester County18093.3%
Middlesex County15191.4%
Ocean County13183.2%
Essex County13090.8%
Camden County10796.3%

Fees & closing costs

Median total loan costs
$6,773
home purchase
As % of loan
2.15%
NJ median 1.93%
Priced originations
1,003
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Roundpoint Mortgage Servicing Llc’s home-purchase originations — 0.21 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $100. 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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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Roundpoint Mortgage Servicing Llc (LEI 5493000IIYWBLONJVJ30). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →