First Community Mortgage in New Jersey vs the state
12.2%Denial rate-5.45 pts vs state
15.0%Decision denial rate-8.05 pts vs state
67.4%Origination rate+11.67 pts vs state
6.49%Median rate-0.26 pts vs state
0.28Rate spread (pts)0.00 pts vs state
$145kMedian applicant income
33Loans originated
6Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 9 | 10.0% | 7.00% | #524 |
| 2024 | 58 | 43 | 8.6% | 6.63% | #326 |
| 2025 | 49 | 33 | 12.2% | 6.49% | #355 |
What First Community Mortgage 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 Community Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 6 | 5 | 0 | 0.0% |
| Atlantic County | 6 | 6 | 0 | 0.0% |
| Morris County | 6 | 2 | 1 | 16.7% |
| Union County | 4 | 3 | 0 | 0.0% |
| Camden County | 4 | 3 | 0 | 0.0% |
| Monmouth County | 3 | 1 | 2 | 66.7% |
| Middlesex County | 3 | 1 | 1 | 33.3% |
| Passaic County | 2 | 2 | 0 | 0.0% |
| Hunterdon County | 2 | 1 | 0 | 0.0% |
| Cape May County | 2 | 2 | 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: 49 applications in 2025, of which 33 were originated and 6 denied.
12.2% of all applications, or 15.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans First Community Mortgage originated in New Jersey in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are First Community Mortgage'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