Applications / Mortgage Analytics / Lenders / New Jersey / 1st 2nd Mortgage Company of N.J.
Cresskill, NJ · Independent non-bank lender · CFPB · 301 loans in 2025
1st 2nd Mortgage Company of N.J.'s data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
301
loans originated, 2025
477
applications, 2025
14
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
1st 2nd Mortgage Company of N.J., a New Jersey mortgage company, lends more often than similar lenders in poorer and majority-minority neighborhoods, though it makes about a sixth as many loans as in 2020.
It made 301 loans in 2025, against 310 a year earlier and 1,790 in 2020. Its count has stayed between 289 and 310 since 2023. Similar lenders, independent non-bank lenders making between half and twice as many loans, grew 4% last year, and the whole market grew 10%.
Majority-minority neighborhoods took 45.9% of its loans, against 21.5% at similar lenders. Low- and moderate-income (LMI) neighborhoods took 24.9%, against 18.6%, and LMI borrowers 29.2%, more than at about two-thirds of its peers. In 2020 those three shares were 28.0%, 9.3% and 17.2%, so the shift has come since 2020.
Its typical loan was $435,000, against $325,000 at similar lenders. Loans insured by the Federal Housing Administration (FHA) made up 21.6% of its lending, against 17.1% at peers and 9.7% in 2020. Home purchases were 76.7% of its loans, refinances the rest.
It lends in 14 states and 41 metro areas. In 2025 it entered Guam, Panama City and Amarillo, where its share is a sliver. In Urban Honolulu its share rose 0.1 points, to 0.1%, and it ranked 117 of 223.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 1st 2nd Mortgage Company of N.J. took 477 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.7% · Refinance 23.3%
Conventional 76.4% · FHA 21.6% · VA 2.0% · of 301 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 | 176 | 58.5% |
| New York | 45 | 15.0% |
| Florida | 33 | 11.0% |
| Pennsylvania | 16 | 5.3% |
| Connecticut | 12 | 4.0% |
| Hawaii | 6 | 2.0% |
| Texas | 4 | 1.3% |
| Maryland | 2 | 0.7% |
| Virginia | 2 | 0.7% |
| California | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 85 |
| Newark | 47 |
| Lakewood-New Brunswick | 42 |
| Camden | 20 |
| Nassau County-Suffolk County | 13 |
| Miami-Miami Beach-Kendall | 8 |
| Philadelphia | 8 |
| Bridgeport-Stamford-Danbury | 6 |
| Urban Honolulu | 6 |
| Albany-Schenectady-Troy | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZOBXG0DT4I6U54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3871573 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 7222437469 | |
| Respondent ID (the HMDA filer code before 2018) | 73031509990 | 1993–2004 |
Established 21 October 1982. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: 1st 2nd Mortgage Company of N.J.'s data.
1st 2nd Mortgage Company of N.J.'s data
$215
1st 2nd Mortgage Company of N.J. 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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