Lender in New Jersey · HMDA 2025
Police & Fire mortgages in New Jersey
Police & Fire's 2025 home-purchase and refinance lending in New Jersey, compared with all lenders in the state.
Police & Fire originated 233 owner-occupied single-family loans in New Jersey from 306 completed applications.
Its median conventional purchase loan costs were $3,640 versus $6,720 for all New Jersey lenders, at a median 30-year fixed rate of 6.625% (New Jersey: 6.625%).
Loans in NJ
233
of 306 applications
Denial rate
7.5%
Purchase · NJ 8.4%
Rate spread
−0.04 pts
Conv. · NJ +0.12 pts
Loan amount
$295,000
Purchase · NJ $455,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 40 | 37 | 7.5% | 6.625% | −0.04 pts | $3,640 | $295,000 |
| Refinance | 69 | 61 | 11.6% | — | −0.43 pts | $0 | $275,000 |
| Cash-out refinance | 197 | 135 | 31.0% | — | +0.03 pts | $0 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
New Jersey counties where Police & Fire ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Gloucester County | 24 | 49 | 1.1% |
| Cape May County | 24 | 11 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology