Firstbank
Lexington, TN · What the federal mortgage record shows about how Firstbank treated New Jersey applicants, 2018–2025 — 1,369 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 1,369 New Jersey applications Firstbank 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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, Firstbank’s rates ran -0.24 pp lower than the typical New Jersey lender (average rate spread -0.01 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Firstbank approves
Why Firstbank denied applications
Where Firstbank lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Middlesex County | 235 | 83.0% |
| Bergen County | 162 | 84.0% |
| Monmouth County | 129 | 86.0% |
| Morris County | 118 | 83.1% |
| Somerset County | 103 | 87.4% |
| Essex County | 87 | 86.2% |
| Ocean County | 85 | 83.5% |
| Mercer County | 72 | 88.9% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Firstbank’s home-purchase originations — 0.41 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $697. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Firstbank 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 Firstbank (LEI 549300OBO7DOF2KOP535). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →