First Citizens Community Bank in New Jersey vs the state
8.1%Denial rate-9.55 pts vs state
9.2%Decision denial rate-13.84 pts vs state
79.1%Origination rate+23.39 pts vs state
6.63%Median rate-0.13 pts vs state
0.25Rate spread (pts)-0.03 pts vs state
$110kMedian applicant income
68Loans originated
7Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 45 | 36 | 2.2% | 7.19% | #348 |
| 2024 | 119 | 91 | 9.2% | 6.88% | #240 |
| 2025 | 86 | 68 | 8.1% | 6.63% | #284 |
What First Citizens Community Bank lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most First Citizens Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gloucester County | 24 | 21 | 2 | 8.3% |
| Burlington County | 14 | 11 | 0 | 0.0% |
| Cape May County | 10 | 7 | 1 | 10.0% |
| Camden County | 10 | 9 | 0 | 0.0% |
| Salem County | 8 | 6 | 0 | 0.0% |
| Atlantic County | 7 | 3 | 3 | 42.9% |
| Cumberland County | 4 | 3 | 1 | 25.0% |
| Ocean County | 3 | 3 | 0 | 0.0% |
| Somerset County | 2 | 2 | 0 | 0.0% |
| Mercer County | 1 | 0 | 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: 86 applications in 2025, of which 68 were originated and 7 denied.
8.1% of all applications, or 9.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans First Citizens Community Bank originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are First Citizens Community Bank'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