First Credit Corporation of New York in New Jersey vs the state
69.7%Denial rate+52.05 pts vs state
75.6%Decision denial rate+52.58 pts vs state
8.1%Origination rate-47.61 pts vs state
7.99%Median rate+1.24 pts vs state
2.05Rate spread (pts)+1.77 pts vs state
$57kMedian applicant income
28Loans originated
242Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 376 | 48 | 75.0% | 7.24% | #113 |
| 2024 | 382 | 0 | 79.6% | — | #127 |
| 2025 | 347 | 28 | 69.7% | 7.99% | #148 |
What First Credit Corporation of New York 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 Credit Corporation of New York applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 88 | 7 | 61 | 69.3% |
| Ocean County | 68 | 2 | 51 | 75.0% |
| Atlantic County | 66 | 6 | 50 | 75.8% |
| Burlington County | 34 | 2 | 24 | 70.6% |
| Monmouth County | 25 | 2 | 13 | 52.0% |
| Cape May County | 21 | 4 | 13 | 61.9% |
| Gloucester County | 12 | 0 | 9 | 75.0% |
| Cumberland County | 7 | 0 | 4 | 57.1% |
| Camden County | 6 | 4 | 2 | 33.3% |
| Sussex County | 3 | 0 | 3 | 100.0% |
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: 347 applications in 2025, of which 28 were originated and 242 denied.
69.7% of all applications, or 75.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans First Credit Corporation of New York originated in New Jersey in 2025 was 7.99%, against a statewide median of 6.75%.
About this data. Figures are First Credit Corporation of New York'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