First Savings Bank in New Jersey vs the state
39.1%Denial rate+21.44 pts vs state
42.9%Decision denial rate+19.81 pts vs state
47.8%Origination rate-7.85 pts vs state
7.23%Median rate+0.48 pts vs state
0.35Rate spread (pts)+0.06 pts vs state
$135kMedian applicant income
11Loans originated
9Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 144 | 80 | 10.4% | 6.88% | #207 |
| 2024 | 23 | 9 | 47.8% | 7.38% | #430 |
| 2025 | 23 | 11 | 39.1% | 7.23% | #436 |
What First Savings 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 Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mercer County | 4 | 3 | 1 | 25.0% |
| Somerset County | 3 | 1 | 2 | 66.7% |
| Camden County | 3 | 1 | 1 | 33.3% |
| Union County | 3 | 2 | 1 | 33.3% |
| Bergen County | 3 | 2 | 0 | 0.0% |
| Monmouth County | 2 | 1 | 1 | 50.0% |
| Atlantic County | 1 | 0 | 1 | 100.0% |
| Hudson County | 1 | 0 | 1 | 100.0% |
| Burlington County | 1 | 0 | 0 | 0.0% |
| Middlesex 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 11 were originated and 9 denied.
39.1% of all applications, or 42.9% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans First Savings Bank originated in New Jersey in 2025 was 7.23%, against a statewide median of 6.75%.
About this data. Figures are First Savings 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