City First Mortgage Services in New Jersey vs the state
8.0%Denial rate-9.69 pts vs state
12.5%Decision denial rate-10.55 pts vs state
56.0%Origination rate+0.32 pts vs state
6.88%Median rate+0.13 pts vs state
0.95Rate spread (pts)+0.66 pts vs state
$120kMedian applicant income
14Loans originated
2Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 22 | 13 | 0.0% | 7.13% | #436 |
| 2024 | 26 | 17 | 11.5% | 6.75% | #420 |
| 2025 | 25 | 14 | 8.0% | 6.88% | #425 |
What City First Mortgage Services lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most City First Mortgage Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 10 | 6 | 0 | 0.0% |
| Burlington County | 3 | 2 | 0 | 0.0% |
| Union County | 3 | 2 | 0 | 0.0% |
| Bergen County | 2 | 0 | 1 | 50.0% |
| Passaic County | 2 | 1 | 0 | 0.0% |
| Gloucester County | 1 | 0 | 1 | 100.0% |
| Cumberland County | 1 | 1 | 0 | 0.0% |
| Middlesex County | 1 | 0 | 0 | 0.0% |
| Essex County | 1 | 1 | 0 | 0.0% |
| Morris County | 1 | 1 | 0 | 0.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 25 applications in 2025, of which 14 were originated and 2 denied.
8.0% of all applications, or 12.5% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans City First Mortgage Services originated in New Jersey in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are City First Mortgage Services's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology