1st 2nd Mortgage Company of N.j. in New York vs the state
1.3%Denial rate-18.50 pts vs state
2.2%Decision denial rate-21.87 pts vs state
56.3%Origination rate-3.34 pts vs state
6.75%Median rate+0.13 pts vs state
0.62Rate spread (pts)+0.41 pts vs state
$146kMedian applicant income
45Loans originated
1Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 17 | 0.0% | 6.63% | #390 |
| 2024 | 54 | 39 | 9.3% | 6.63% | #318 |
| 2025 | 80 | 45 | 1.3% | 6.75% | #296 |
What 1st 2nd Mortgage Company of N.j. lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most 1st 2nd Mortgage Company of N.j. applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Westchester County | 21 | 12 | 0 | 0.0% |
| Suffolk County | 15 | 11 | 0 | 0.0% |
| Nassau County | 7 | 2 | 0 | 0.0% |
| Bronx County | 7 | 4 | 0 | 0.0% |
| Albany County | 4 | 3 | 1 | 25.0% |
| Schenectady County | 4 | 1 | 0 | 0.0% |
| Queens County | 3 | 1 | 0 | 0.0% |
| Kings County | 3 | 3 | 0 | 0.0% |
| Richmond County | 3 | 1 | 0 | 0.0% |
| Putnam County | 2 | 2 | 0 | 0.0% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 80 applications in 2025, of which 45 were originated and 1 denied.
1.3% of all applications, or 2.2% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans 1st 2nd Mortgage Company of N.j. originated in New York in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are 1st 2nd Mortgage Company of N.j.'s own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology