First Heritage Financial in New Jersey vs the state
13.0%Denial rate-4.65 pts vs state
13.0%Decision denial rate-10.01 pts vs state
87.0%Origination rate+31.28 pts vs state
6.63%Median rate-0.13 pts vs state
0.39Rate spread (pts)+0.10 pts vs state
$137kMedian applicant income
20Loans originated
3Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 13 | 0.0% | 6.50% | #480 |
| 2024 | 22 | 17 | 9.1% | 6.63% | #434 |
| 2025 | 23 | 20 | 13.0% | 6.63% | #434 |
What First Heritage Financial 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 Heritage Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gloucester County | 4 | 4 | 0 | 0.0% |
| Cape May County | 4 | 4 | 0 | 0.0% |
| Cumberland County | 3 | 1 | 2 | 66.7% |
| Burlington County | 3 | 2 | 1 | 33.3% |
| Mercer County | 2 | 2 | 0 | 0.0% |
| Essex County | 2 | 2 | 0 | 0.0% |
| Atlantic County | 2 | 2 | 0 | 0.0% |
| Morris County | 1 | 1 | 0 | 0.0% |
| Monmouth County | 1 | 1 | 0 | 0.0% |
| Union 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: 23 applications in 2025, of which 20 were originated and 3 denied.
13.0% of all applications, or 13.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans First Heritage Financial originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are First Heritage Financial'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