1st 2nd Mortgage Company of N.J., Inc. Mortgage Lending & HMDA Data, 2025
In 2025, 1st 2nd Mortgage Company of N.J., Inc. of Cresskill, NJ reported 477 mortgage applications totaling $216.5 million, up 13% from 2024. The average application was for $453,888, and applicants reported an average income of $146,218. 63% of its applications resulted in an originated loan and 4% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (126), Lakewood-New Brunswick, NJ (71) and Newark, NJ-PA (67) (applications in parentheses).
| Mortgage Company & Address | 1st 2nd Mortgage Company of N.J., Inc. 50 Spring St Cresskill, NJ 07626 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 |
| Total Number of Mortgage Applications | 477 |
| Total Mortgage Loan Application Amount | $216,505,000 |
| Average Mortgage Loan Application Amount | $453,888 |
| Highest Mortgage Loan Application Amount | $1,705,000 |
| Average Applicant Income | $146,218 |
| Highest Applicant Income | $1,620,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records 1st 2nd Mortgage Company of N.J., Inc. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 126 | $ 68,520,000 | $ 543,809 | $ 151,650 |
| Lakewood-New Brunswick, NJ | 71 | $ 29,875,000 | $ 420,774 | $ 150,000 |
| Newark, NJ-PA | 67 | $ 32,915,000 | $ 491,268 | $ 144,000 |
| Camden, NJ | 26 | $ 9,420,000 | $ 362,307 | $ 137,000 |
| Nassau County-Suffolk County, NY | 22 | $ 13,930,000 | $ 633,181 | $ 163,000 |
| Jacksonville, FL | 14 | $ 6,360,000 | $ 454,285 | $ 182,000 |
| Bridgeport-Stamford-Norwalk, CT | 13 | $ 5,885,000 | $ 452,692 | $ 189,000 |
| Philadelphia, PA | 12 | $ 2,960,000 | $ 246,666 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 4,025,000 | $ 365,909 | $ 167,000 |
| Outside any metro area | 10 | $ 4,180,000 | $ 418,000 | $ 126,600 |
| Albany-Schenectady-Troy, NY | 9 | $ 3,055,000 | $ 339,444 | $ 133,000 |
| Urban Honolulu, HI | 7 | $ 5,155,000 | $ 736,428 | $ 178,000 |
| Montgomery County-Bucks County-Chester County, PA | 6 | $ 2,720,000 | $ 453,333 | $ 172,000 |
| Waterbury-Shelton, CT | 6 | $ 1,870,000 | $ 311,666 | $ 118,000 |
| Atlantic City-Hammonton, NJ | 5 | $ 765,000 | $ 153,000 | $ 53,000 |
| North Port-Sarasota-Bradenton, FL | 5 | $ 1,605,000 | $ 321,000 | $ 216,000 |
| Orlando-Kissimmee-Sanford, FL | 5 | $ 2,075,000 | $ 415,000 | $ 115,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 1,325,000 | $ 265,000 | $ 84,000 |
| New Haven-Milford, CT | 4 | $ 1,780,000 | $ 445,000 | $ 119,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 4 | $ 720,000 | $ 180,000 | $ 57,000 |
| Baltimore-Columbia-Towson, MD | 3 | $ 1,235,000 | $ 411,666 | $ 347,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 995,000 | $ 331,666 | $ 174,000 |
| Trenton, NJ | 3 | $ 875,000 | $ 291,666 | $ 84,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 700,000 | $ 350,000 | $ 121,000 |
| Arlington-Alexandria-Reston, VA-WV | 2 | $ 550,000 | $ 275,000 | $ 122,000 |
| Dallas-Plano-Irving, TX | 2 | $ 950,000 | $ 475,000 | $ 163,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 2 | $ 1,110,000 | $ 555,000 | $ 243,000 |
| Harrisburg-Carlisle, PA | 2 | $ 750,000 | $ 375,000 | $ 137,000 |
| Hartford-West Hartford-East Hartford, CT | 2 | $ 510,000 | $ 255,000 | $ 97,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 660,000 | $ 330,000 | $ 78,000 |
| Ocala, FL | 2 | $ 630,000 | $ 315,000 | $ 86,000 |
| Pittsburgh, PA | 2 | $ 430,000 | $ 215,000 | $ 151,000 |
| Richmond, VA | 2 | $ 710,000 | $ 355,000 | $ 175,000 |
| Rochester, NY | 2 | $ 430,000 | $ 215,000 | $ 65,000 |
| Amarillo, TX | 1 | $ 275,000 | $ 275,000 | $ 220,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 695,000 | $ 695,000 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 345,000 | $ 345,000 | $ 82,000 |
| Binghamton, NY | 1 | $ 165,000 | $ 165,000 | $ 26,000 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 335,000 | $ 335,000 | $ 78,000 |
| Fort Worth-Arlington, TX | 1 | $ 165,000 | $ 165,000 | $ 123,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 585,000 | $ 585,000 | $ 137,000 |
| Kingston, NY | 1 | $ 385,000 | $ 385,000 | $ 162,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 1 | $ 395,000 | $ 395,000 | $ 124,000 |
| Lakeland-Winter Haven, FL | 1 | $ 305,000 | $ 305,000 | $ 81,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 1,085,000 | $ 1,085,000 | $ 413,000 |
| Panama City, FL | 1 | $ 285,000 | $ 285,000 | $ 85,000 |
| Port St. Lucie, FL | 1 | $ 265,000 | $ 265,000 | $ 132,000 |
| Raleigh, NC | 1 | $ 655,000 | $ 655,000 | $ 226,000 |
| Spartanburg, SC | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Syracuse, NY | 1 | $ 275,000 | $ 275,000 | $ 76,000 |
| Tampa, FL | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 235,000 | $ 235,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for 1st 2nd Mortgage Company of N.J., Inc. in 2025
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 365 | $170,785,000 | $467,000 | $1,705,000 | $152,000 | $1,620,000 |
| Refinancing | 91 | $37,895,000 | $416,000 | $875,000 | $127,000 | $622,000 |
| Home Improvement | 21 | $7,825,000 | $372,000 | $1,315,000 | $129,000 | $829,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Hispanic | 178 | $81,260,000 | $456,000 | $1,705,000 | $119,000 | $1,620,000 |
| Asian | 145 | $67,755,000 | $467,000 | $1,175,000 | $160,000 | $510,000 |
| White | 115 | $51,215,000 | $445,000 | $1,565,000 | $183,000 | $829,000 |
| Black or African American | 25 | $9,855,000 | $394,000 | $775,000 | $110,000 | $237,000 |
| Not Provided | 12 | $5,190,000 | $432,000 | $875,000 | $123,000 | $260,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 363 | $162,925,000 | $448,000 | $1,705,000 | $150,000 | $1,620,000 |
| FHA-insured (Federal Housing Administration) | 104 | $48,970,000 | $470,000 | $1,525,000 | $124,000 | $405,000 |
| VA-guaranteed (Veterans Administration) | 10 | $4,610,000 | $461,000 | $685,000 | $233,000 | $581,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 301 | $141,785,000 | $471,000 | $1,565,000 | $143,000 | $715,000 |
| Application Withdrawn By Applicant | 156 | $67,930,000 | $435,000 | $1,705,000 | $156,000 | $1,620,000 |
| Application Denied By Financial Institution | 19 | $6,495,000 | $341,000 | $735,000 | $123,000 | $503,000 |
| Application Approved But Not Accepted | 1 | $295,000 | $295,000 | $295,000 | $82,000 | $82,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 458 | $210,010,000 | $458,000 | $1,705,000 | $147,000 | $1,620,000 |
| Collateral | 6 | $1,660,000 | $276,000 | $365,000 | $119,000 | $175,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,150,000 | $287,000 | $385,000 | $84,000 | $124,000 |
| Unverifiable Information | 3 | $1,095,000 | $365,000 | $445,000 | $119,000 | $161,000 |
| Credit History | 2 | $1,010,000 | $505,000 | $735,000 | $254,000 | $503,000 |
| Debt-To-Income Ratio | 2 | $630,000 | $315,000 | $395,000 | $97,000 | $113,000 |
| Employment History | 2 | $950,000 | $475,000 | $485,000 | $113,000 | $152,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into 1st 2nd Mortgage Company of N.J., Inc.'s 2025 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess 1st 2nd Mortgage Company of N.J., Inc.'s mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
Mortgage lenders & HMDA data by state: Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Home · Mortgage lenders A–Z · Data downloads · Blog · About