What loan types does Jersey Mortgage Company of New Jersey offer?

Jersey Mortgage Company of New Jersey offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing score and performance metrics.

Where does Jersey Mortgage Company of New Jersey offer mortgages?

Jersey Mortgage Company of New Jersey offers mortgages in 4 states: FL, NJ, NY, PA.

How competitive are Jersey Mortgage Company of New Jersey's mortgage rates?

Jersey Mortgage Company of New Jersey has an overall pricing score of 23.6/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Jersey Mortgage Company of New Jersey?

Jersey Mortgage Company of New Jersey is a Independent Mortgage Company headquartered in CRANFORD, NJ.

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Jersey Mortgage Company of New Jersey

Independent Mortgage Company•Cranford, NJHQ•Direct•Reviews near you on Google

Jersey Mortgage Company of New Jersey has 132 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Sound

3/5

FHA · Conventional

Place

Strong

4/5

Regional · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Rates typically 61 basis points above market average

Explore another lender or local market

Report Card

Jersey Mortgage Company of New Jersey performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+61.0 bps above market avg

2/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

99 loans · 0.53% above market

Acceptable

Bottom 40% of lenders

2/5

FHA

31 loans · 0.99% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

121 loans · 0.60% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

11 loans · 0.77% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Acceptable	Acceptable	Acceptable	99	75.0%	+0.534%Above	$2,973Fees
FHA Loans	Sound	Sound	—	Sound	31	23.5%	+0.993%Above	$5,477Fees

Conventional

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume99

Mix75.0%

Spread

+0.534%Above

Fees

$2,973Fees

FHA Loans

Overall

Sound

Product

Sound

Pricing—

Pull Through

Sound

Volume31

Mix23.5%

Spread

+0.993%Above

Fees

$5,477Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Acceptable	121	91.7%	+0.596%Above	$3,353Fees
Refinance	Acceptable	Acceptable	—	Acceptable	11	8.3%	+0.771%Above	$3,246Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Acceptable

Volume121

Mix91.7%

Spread

+0.596%Above

Fees

$3,353Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume11

Mix8.3%

Spread

+0.771%Above

Fees

$3,246Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

132

Applications

221

Volume

$57 million

Pricing & Closing

Avg Rate Spread

+0.610%

vs. market APOR

Avg Net Fees

$3,345

Origination − Credits

Pullthrough Rate

59.7%

Applications → Closed

Typical Borrower

Avg Loan Amount

$436,894

Avg Borrower Income

$157,735

Avg Property Value

$550,000

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

4Full-year 2024 · HMDA

Loans originated

< 100100+None

Northeast3

NJNYPA

South1

Top Metro Areas by Place Specialization Score

Newark, NJMetro

Volume 47Mix 35.61% of portfolio

68/100

Strong

Lakewood, NJMetro

Volume 42Mix 31.82% of portfolio

64/100

Strong

New York, NY-NJMetro

Volume 23Mix 17.42% of portfolio

54/100

Sound

Top States by Place Specialization Score

New JerseyState

Volume 124Mix 93.94% of portfolio

74/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.