Members 1st in New Jersey vs the state
37.8%Denial rate+20.15 pts vs state
43.8%Decision denial rate+20.70 pts vs state
48.7%Origination rate-7.03 pts vs state
1.99%Median rate-4.76 pts vs state
-5.19Rate spread (pts)-5.47 pts vs state
$142kMedian applicant income
18Loans originated
14Denied
What Members 1st lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Members 1st applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 5 | 4 | 0 | 0.0% |
| Burlington County | 5 | 3 | 2 | 40.0% |
| Middlesex County | 4 | 3 | 1 | 25.0% |
| Monmouth County | 3 | 0 | 2 | 66.7% |
| Ocean County | 3 | 2 | 1 | 33.3% |
| Camden County | 2 | 1 | 0 | 0.0% |
| Morris County | 2 | 2 | 0 | 0.0% |
| Somerset County | 2 | 0 | 0 | 0.0% |
| Hunterdon County | 2 | 1 | 1 | 50.0% |
| Union County | 2 | 1 | 1 | 50.0% |
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: 37 applications in 2025, of which 18 were originated and 14 denied.
37.8% of all applications, or 43.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Members 1st originated in New Jersey in 2025 was 1.99%, against a statewide median of 6.75%.
About this data. Figures are Members 1st'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