Name of the lender

AdvantageFirst Lending Inc in New JerseyMortgage rates, total loan costs and denial rate for homes in New Jersey, 2025

HMDA year2025

StateNew Jersey

Head office: Lake Forest, CA
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)

All states of this lender

AdvantageFirst Lending Inc reported 531 applications for homes in New Jersey in the HMDA data of 2025.

It originated 191 loans in the state in 2025, for $70.3 million in total.

The median interest rate of these loans in 2025 was 5.990%, and the median of all lenders in New Jersey was 6.495%.

The median total loan costs in 2025 were $20,471, and the state median was $7,449.

It denied 26.5% of the applications that it decided in the state in 2025, and the state denial rate was 23.1%.

Filed figures of AdvantageFirst Lending Inc in New Jersey, 2025
Figure	In NJ	Lender, all states	NJ, all lenders
Applications	531	12,186	320,098
Loans originated	191	4,137	178,220
Median interest rate	5.990%	6.125%	6.495%
Median total loan costs	$20,471	$18,448	$7,449
Denial rate	26.5%	34.9%	23.1%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

PricingMedians of 2025 loans in NJ

Pricing medians of AdvantageFirst Lending Inc in New Jersey, 2025Each value has the median of all lenders in New Jersey under it.
Loans	Loans in the medians	Interest rate	Total loan costs	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits	Rate spread, points
All loans in NJ	191	5.990%NJ 6.495%	$20,471NJ $7,449	$13,424NJ $2,076	$11,070NJ $3,454	$115NJ $934	0.373NJ 0.158

Medians are for originated closed-end loans with a first lien. Reverse mortgages, open-end lines of credit and loans for a business purpose are not in the medians. A median needs 20 loans.

The median rate spread was 0.373 percentage points above the average prime offer rate. On a loan of $300,000, that is about $1,119 more a year, or $93 more a month.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different.

Action taken and loan types

Records in New Jersey by the action taken
Action taken	Records	Share
1Loan originated	191	36.0%
2Application approved but not accepted	0	0.0%
3Application denied	69	13.0%
4Application withdrawn by applicant	248	46.7%
5File closed for incompleteness	23	4.3%
6Purchased loan	0	0.0%
7Preapproval request denied	0	0.0%
8Preapproval request approved but not accepted	0	0.0%

Applications in New Jersey by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	125	49	16.9%
FHA-insured	333	118	31.4%
VA-guaranteed	73	24	17.2%

Counties in New Jersey

Counties of AdvantageFirst Lending Inc in New Jersey with 25 applications or more, 2025In order of the names.
County	Applications	Loans originated	Amount	Denial rate
Bergen County	29	9	$5.1 million	n/a
Burlington County	49	21	$6.6 million	25.0%
Camden County	43	14	$4.8 million	n/a
Essex County	30	10	$3.9 million	n/a
Gloucester County	37	20	$6.6 million	20.0%
Mercer County	26	7	$2.3 million	n/a
Middlesex County	58	19	$7.1 million	29.6%
Monmouth County	37	15	$7.6 million	n/a
Ocean County	59	26	$8.7 million	21.2%

Figures by year

AdvantageFirst Lending Inc in New Jersey by HMDA year"n/a" shows a year with fewer than 25 applications in the state.
Year	Applications	Loans originated	Amount	Median interest rate	Median total loan costs	Denial rate
2025	531	191	$70.3 million	5.990%	$20,471	26.5%
2024	n/a	n/a	n/a	n/a	n/a	n/a
2023	n/a	n/a	n/a	n/a	n/a	n/a
2022	n/a	n/a	n/a	n/a	n/a	n/a

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender in this state, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "AdvantageFirst Lending Inc in New Jersey, 2025", https://lenderregister.com/lender/254900m2c4q6datp2889-advantagefirst-lending-inc/nj/
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. They are the records of this LEI for homes in New Jersey. This site withholds a figure with fewer than 25 applications. Method of the figures. Terms. Report an error.

Questions

What share of the loans of AdvantageFirst Lending Inc were in New Jersey in 2025?: 191 of its loans originated, out of 4,137 in all states. That is 4.6%.
In which counties of New Jersey did AdvantageFirst Lending Inc originate the most loans in 2025?: The three with the most loans were Ocean County (26), Burlington County (21) and Gloucester County (20).
Which loan types did AdvantageFirst Lending Inc originate in New Jersey in 2025?: 49 conventional, 118 FHA and 24 VA.
What share of the applications in New Jersey did AdvantageFirst Lending Inc report in 2025?: 0.2%: 531 out of 320,098 applications of all lenders in the state.