Blue Foundry Bank
Atlanta, GA · What the federal mortgage record shows about how Blue Foundry Bank treated New Jersey applicants, 2018–2025 — 268 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 268 New Jersey applications Blue Foundry Bank approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Blue Foundry Bank’s rates ran -0.24 pp lower than the typical New Jersey lender (average rate spread -0.02 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Blue Foundry Bank approves
Why Blue Foundry Bank denied applications
Where Blue Foundry Bank lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Bergen County | 115 | 82.6% |
| Morris County | 43 | 86.0% |
| Essex County | 27 | 81.5% |
| Passaic County | 26 | 73.1% |
| Hudson County | 25 | 64.0% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Blue Foundry Bank’s home-purchase originations — 0.50 points lower than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Blue Foundry Bank to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Blue Foundry Bank (LEI 5493008TK613NXC2EN84). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →