The Mortgage Record
Lender report card · New Jersey

Unmb Home Loans Inc

Levittown, NY · What the federal mortgage record shows about how Unmb Home Loans Inc treated New Jersey applicants, 2018–2025 — 1,523 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
95.3%
1,452 approved
Denial rate
4.7%
71 denied
Decisions
1,523
2018–2025
Avg. rate spread
+0.56 pp
vs. market benchmark
95.3% approved
4.7% denied

Share of 1,523 New Jersey applications Unmb Home Loans Inc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional96.9% of 1,023 · NJ 87%FHA91.8% of 466 · NJ 79%VA96.9% of 32 · NJ 80%

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

Approval rate over time

89%91%93%95%97%99%94%94%96%98%92%95%93%97%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Unmb Home Loans Inc’s rates ran +0.13 pp higher than the typical New Jersey lender (average rate spread +0.56 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Unmb Home Loans Inc approves

By income
Under $50k81.7% · 82$50–75k96.3% · 218$75–100k94.9% · 393$100–150k96.3% · 463$150–250k97.6% · 295$250k+94.4% · 71
By debt-to-income
Under 36%98.4% · 38636–43%98.3% · 35943–50%96.0% · 556Over 50%82.4% · 182
By down payment (LTV)
20%+ down98.0% · 58710–20% down97.1% · 1755–10% down95.2% · 1863–5% down93.3% · 239

Why Unmb Home Loans Inc denied applications

Debt-to-income ratio39% of denialsCollateral (value/type)20% of denialsOther17% of denialsUnverifiable information15% of denialsInsufficient cash to close15% of denialsEmployment history11% of denials

Where Unmb Home Loans Inc lends in NJ

CountyDecisionsApproval
Bergen County41395.6%
Passaic County17198.2%
Essex County15892.4%
Union County10093.0%
Warren County9393.5%
Morris County8894.3%
Middlesex County82100.0%
Hudson County7690.8%

Fees & closing costs

Median total loan costs
$8,472
home purchase
As % of loan
2.77%
NJ median 1.93%
Priced originations
899
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Unmb Home Loans Inc’s home-purchase originations — 0.84 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $310. 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 Unmb Home Loans Inc (LEI 549300TCY9QY8BRDQJ12). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →