Member First Mortgage, LLC reported 127 applications for homes in New Jersey in the HMDA data of 2025.
It originated 35 loans in the state in 2025, for $14.0 million in total.
The median interest rate of these loans in 2025 was 6.500%, and the median of all lenders in New Jersey was 6.495%.
The median total loan costs in 2025 were $5,980, and the state median was $7,449.
It denied 38.5% of the applications that it decided in the state in 2025, and the state denial rate was 23.1%.
Filed figures of Member First Mortgage, LLC in New Jersey, 2025
Figure
In NJ
Lender, all states
NJ, all lenders
Applications
127
3,256
320,098
Loans originated
35
1,295
178,220
Median interest rate
6.500%
6.375%
6.495%
Median total loan costs
$5,980
$6,866
$7,449
Denial rate
38.5%
28.5%
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.
Pricing medians of Member First Mortgage, LLC 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
34
6.500%NJ 6.495%
$5,980NJ $7,449
$2,141NJ $2,076
n/aNJ $3,454
n/aNJ $934
0.163NJ 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 0.163 percentage points above the average prime offer rate. On a loan of $300,000, that is about $489 more a year, or $41 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.
Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025
Data date
HMDA year . Page made .
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 Member First Mortgage, LLC were in New Jersey in 2025?
35 of its loans originated, out of 1,295 in all states. That is 2.7%.
Which loan types did Member First Mortgage, LLC originate in New Jersey in 2025?
34 conventional and 1 FHA.
How did the applications of Member First Mortgage, LLC in New Jersey change from 2022 to 2025?
It reported 216 applications in 2022 and 127 in 2025.
What share of the applications in New Jersey did Member First Mortgage, LLC report in 2025?
0.0%: 127 out of 320,098 applications of all lenders in the state.