Lender in New Jersey · HMDA 2025
Commerce Home Mortgage, Inc. mortgages in New Jersey
Commerce Home Mortgage, Inc.'s 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Commerce Home Mortgage, Inc. originated 243 owner-occupied single-family loans in New Jersey from 281 completed applications.
Its median conventional purchase loan costs were $17,970 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 8.50% (New Jersey: 6.625%).
Loans in NJ
243
of 281 applications
Denial rate
11.9%
Purchase · NJ 8.4%
Rate spread
+2.47 pts
Conv. · NJ +0.12 pts
Loan amount
$435,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 176 | 154 | 11.9% | 8.500% | +2.47 pts | $17,970 | $435,000 |
| Refinance | 15 | 13 | — | — | — | — | — |
| Cash-out refinance | 90 | 76 | 14.4% | 8.875% | +2.49 pts | $16,820 | $405,000 |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology