First Hope Bank A National Banking Association Mortgage Lending & HMDA Data, 2025
In 2025, First Hope Bank A National Banking Association of Hope, NJ reported 109 mortgage applications totaling $48.3 million, down 3% from 2024. The average application was for $443,440, and applicants reported an average income of $190,412. 73% of its applications resulted in an originated loan and 13% were denied. Its largest markets were Newark, NJ-PA (59), Allentown-Bethlehem-Easton, PA-NJ (30) and Lakewood-New Brunswick, NJ (6) (applications in parentheses).
| Mortgage Company & Address | First Hope Bank A National Banking Association 1301 Hope-Bridgeville Road Hope, NJ 07844 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 109 |
| Total Mortgage Loan Application Amount | $48,335,000 |
| Average Mortgage Loan Application Amount | $443,440 |
| Highest Mortgage Loan Application Amount | $5,405,000 |
| Average Applicant Income | $190,412 |
| Highest Applicant Income | $923,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records First Hope Bank A National Banking Association filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
Mortgage Loan Application Detail Totals for First Hope Bank A National Banking Association 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 Improvement | 32 | $10,280,000 | $321,000 | $5,405,000 | $168,000 | $923,000 |
| Home Purchase | 29 | $19,045,000 | $656,000 | $4,215,000 | $253,000 | $682,000 |
| Other Purpose | 22 | $2,760,000 | $125,000 | $515,000 | $183,000 | $486,000 |
| Refinancing | 22 | $15,270,000 | $694,000 | $3,455,000 | $158,000 | $506,000 |
| Cash-out Refinancing | 4 | $980,000 | $245,000 | $375,000 | $135,000 | $275,000 |
| Not Applicable | 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 |
|---|---|---|---|---|---|---|
| White | 83 | $18,135,000 | $218,000 | $855,000 | $189,000 | $923,000 |
| Not applicable | 13 | $27,255,000 | $2,096,000 | $5,405,000 | $0 | $0 |
| Not Provided | 9 | $2,095,000 | $232,000 | $805,000 | $225,000 | $531,000 |
| Hispanic | 2 | $410,000 | $205,000 | $295,000 | $201,000 | $201,000 |
| Asian | 1 | $335,000 | $335,000 | $335,000 | $139,000 | $139,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $89,000 | $89,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 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) | 108 | $48,000,000 | $444,000 | $5,405,000 | $192,000 | $923,000 |
| FHA-insured (Federal Housing Administration) | 1 | $335,000 | $335,000 | $335,000 | $106,000 | $106,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 80 | $37,930,000 | $474,000 | $5,405,000 | $220,000 | $923,000 |
| Application Denied By Financial Institution | 14 | $4,630,000 | $330,000 | $2,305,000 | $73,000 | $151,000 |
| Application Withdrawn By Applicant | 13 | $2,285,000 | $175,000 | $675,000 | $156,000 | $486,000 |
| File Closed For Incompleteness | 1 | $35,000 | $35,000 | $35,000 | $65,000 | $65,000 |
| Application Approved But Not Accepted | 1 | $3,455,000 | $3,455,000 | $3,455,000 | $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 | 95 | $43,705,000 | $460,000 | $5,405,000 | $208,000 | $923,000 |
| Debt-To-Income Ratio | 10 | $3,210,000 | $321,000 | $2,305,000 | $61,000 | $103,000 |
| Credit History | 2 | $720,000 | $360,000 | $635,000 | $72,000 | $72,000 |
| Other | 1 | $205,000 | $205,000 | $205,000 | $151,000 | $151,000 |
| Credit Application Incomplete | 1 | $495,000 | $495,000 | $495,000 | $104,000 | $104,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into First Hope Bank A National Banking Association'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 First Hope Bank A National Banking Association'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.
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