Applications / Mortgage Analytics / Lenders / New Jersey / First Hope Bank, a National Banking Association
Hope, NJ · National bank · OCC · $667 million assets · 80 loans in 2025
First Hope Bank, a National Banking Association's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
80
loans originated, 2025
109
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Hope Bank, a National Banking Association lends mostly to people who already own homes: in 2025 home improvement was as large a part of its 80 loans as home purchase.
Home-improvement and purchase loans were each 30.0% of its originations. Refinancing took 25.0% and other purposes 15.0%. Most of its lending therefore went to existing owners. By volume it sits near the middle of similar lenders, national banks making between half and twice as many loans.
Its loans rose 10% in 2025, to 80 from 73. That matched the whole market and was a little faster than similar lenders' 5%. It follows a steep fall, from 260 in 2020 and 255 in 2021 to 82 in 2023. The figures do not show what drove it.
Only 5.0% of its loans were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 16.1% at similar lenders, among the lowest tenth of them. LMI borrowers took 17.4%, lower than about two-thirds of its peers. Both shares have risen since 2020, from 2.3% and 12.9%. The counties it serves may simply hold few lower-income tracts.
It has lent in the New York and Allentown-Bethlehem-Easton markets since 1990. In Allentown-Bethlehem-Easton it ranked 187 of 521 lenders, with 0.1% of lending, the same as in 2024.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Hope Bank, a National Banking Association took 109 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 30.0% · Purchase 30.0% · Refinance 25.0% · Other 15.0%
Conventional 98.8% · FHA 1.3% · of 80 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Jersey | 71 | 88.8% |
| Pennsylvania | 3 | 3.8% |
| Florida | 2 | 2.5% |
| Maryland | 1 | 1.2% |
| North Carolina | 1 | 1.2% |
| New York | 1 | 1.2% |
| South Carolina | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Newark | 44 |
| Allentown-Bethlehem-Easton | 19 |
| Lakewood-New Brunswick | 6 |
| New York-Jersey City-White Plains | 3 |
| Atlantic City-Hammonton | 1 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
| Naples-Marco Island | 1 |
| Orlando-Kissimmee-Sanford | 1 |
| Raleigh-Cary | 1 |
| Wilmington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003XLOX5FDT9R120 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 434203 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110118 | 1990–2017 |
Established 11 September 1911. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Hope Bank, a National Banking Association's data.
First Hope Bank, a National Banking Association's data
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First Hope Bank, a National Banking Association and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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