The Mortgage Record
Lender report card · New Jersey

Family First Funding Llc

Toms River, NJ · What the federal mortgage record shows about how Family First Funding Llc treated New Jersey applicants, 2018–2025 — 13,105 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
86.4%
11,322 approved
Denial rate
13.6%
1,783 denied
Decisions
13,105
2018–2025
Avg. rate spread
+0.55 pp
vs. market benchmark
86.4% approved
13.6% denied

Share of 13,105 New Jersey applications Family First Funding Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional87.7% of 8,986 · NJ 87%FHA83.4% of 3,692 · NJ 79%VA85.0% of 379 · NJ 80%USDA83.3% of 48 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

80%84%88%92%96%92%95%84%83%2018201920202021

Pricing

Adjusting for its loan-type mix, Family First Funding Llc’s rates ran +0.14 pp higher than the typical New Jersey lender (average rate spread +0.55 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Family First Funding Llc approves

By income
Under $50k81.1% · 1,119$50–75k84.3% · 2,530$75–100k86.8% · 2,706$100–150k87.8% · 3,482$150–250k87.5% · 2,252$250k+87.6% · 900
By debt-to-income
Under 36%87.5% · 4,54036–43%88.1% · 3,01443–50%87.9% · 3,553Over 50%75.5% · 1,662
By down payment (LTV)
20%+ down88.4% · 6,01410–20% down89.5% · 1,4445–10% down88.7% · 1,3563–5% down86.6% · 2,089Under 3% down77.9% · 592

Why Family First Funding Llc denied applications

Incomplete application42% of denialsCollateral (value/type)25% of denialsDebt-to-income ratio9% of denialsCredit history9% of denialsOther7% of denialsUnverifiable information4% of denials

Where Family First Funding Llc lends in NJ

CountyDecisionsApproval
Ocean County2,45787.8%
Sussex County1,77288.4%
Monmouth County1,51887.6%
Morris County1,22887.8%
Middlesex County1,22487.3%
Bergen County1,03789.6%
Essex County63980.8%
Passaic County61181.3%

Fees & closing costs

Median total loan costs
$7,633
home purchase
As % of loan
3.14%
NJ median 1.93%
Priced originations
6,308
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Family First Funding Llc’s home-purchase originations — 1.21 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $995. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Family First Funding Llc to other lenders for your profile

Enter your income, county, DTI and down payment to see who approves borrowers like you.

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 Family First Funding Llc (LEI 2549009V3JISNNLCD785). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →