Lender in New Jersey · HMDA 2025
Gateway First Bank mortgages in New Jersey
Gateway First Bank's 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Gateway First Bank originated 244 owner-occupied single-family loans in New Jersey from 261 completed applications.
Its median conventional purchase loan costs were $6,310 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.75% (New Jersey: 6.625%).
Loans in NJ
244
of 261 applications
Denial rate
3.7%
Purchase · NJ 8.4%
Rate spread
+0.29 pts
Conv. · NJ +0.12 pts
Loan amount
$305,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 216 | 206 | 3.7% | 6.750% | +0.29 pts | $6,310 | $305,000 |
| Refinance | 16 | 15 | — | — | — | — | — |
| Cash-out refinance | 29 | 23 | 20.7% | — | — | — | $255,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Gateway First Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Cumberland County | 13 | 24 | 1.6% |
| Salem County | 19 | 13 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology