1St 2Nd Mortgage Company of N.J., Inc. mortgage approval rate & lending review
1St 2Nd Mortgage Company of N.J., Inc. decided 931 mortgage applications and funded 878 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions 1St 2Nd Mortgage Company of N.J., Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
1St 2Nd Mortgage Company of N.J., Inc. at a glance
Approval is 8.7 points above the 85.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 644 / 685 | 100% | $445K | 643 |
| Refinance | 99% | 116 / 117 | 100% | $405K | 116 |
| Investment property purchase | 91% | 79 / 87 | 100% | $305K | 79 |
| Investment refinance | 100% | 38 / 38 | 100% | $405K | 38 |
1St 2Nd Mortgage Company of N.J., Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 95% | $445K | 587 | 556 |
| Florida | 97% | $395K | 109 | 106 |
| New York | 94% | $615K | 103 | 97 |
| Pennsylvania | 91% | $255K | 54 | 48 |
| Connecticut | 87% | $375K | 31 | 27 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where 1St 2Nd Mortgage Company of N.J., Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Bergen County, NJ | Mortgage lenders | 96% | 76 | 73 |
| Passaic County, NJ | Mortgage lenders | 93% | 72 | 67 |
| Bergen County, NJ | Refinance | 95% | 22 | 21 |
The county markets where 1St 2Nd Mortgage Company of N.J., Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about 1St 2Nd Mortgage Company of N.J., Inc.
What is 1St 2Nd Mortgage Company of N.J., Inc.'s mortgage approval rate?
1St 2Nd Mortgage Company of N.J., Inc. approved 94.4% of the 931 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.7 points above the 85.7% national rate for the same mix of loan types.
How often do borrowers take the loan 1St 2Nd Mortgage Company of N.J., Inc. offers?
Borrowers accepted 100% of the loans 1St 2Nd Mortgage Company of N.J., Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does 1St 2Nd Mortgage Company of N.J., Inc. make?
The typical home purchase mortgage loan 1St 2Nd Mortgage Company of N.J., Inc. made was $445K; across all loan types its typical loan ran from $305K to $445K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does 1St 2Nd Mortgage Company of N.J., Inc. lend?
1St 2Nd Mortgage Company of N.J., Inc. decided applications in 14 of the states Fat Boy Data covers, most of them in New Jersey, Florida and New York.
Can I apply to 1St 2Nd Mortgage Company of N.J., Inc. directly?
Yes. 1St 2Nd Mortgage Company of N.J., Inc. reports as a direct lender that takes applications from borrowers.
Does this page show 1St 2Nd Mortgage Company of N.J., Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how 1St 2Nd Mortgage Company of N.J., Inc. treats applications, then get a rate quote from the lender.