Family First Funding Mortgage Rates, Fees & Info
TOMS RIVER, NJLEI: 2549009V3JISNNLCD785
Tax ID: 80-0743699
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Mortgage Data
Review & Overview
Family First Funding is a smaller mortgage company specializing in Home Purchase loans. Family First Funding has a high proportion of conventional loans. They have a a high proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Poughkeepsie, Philadelphia, Allentown, and Miami among others. We have data for 78 markets. (Some data included below & more in-depth data is available with an active subscription.)Family First Funding has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Family First Funding is typically a high fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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Originations
2,756Origination Dollar Volume (All Markets)
$799,790,000Awards
FAMILY FIRST FUNDING - 2019
FAMILY FIRST FUNDING is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 2,117 | $655,085,000 | $309,440 | $8,665 | 4.29% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 95 | $24,125,000 | $253,947 | $7,558 | 4.48% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 96 | $20,730,000 | $215,938 | $6,996 | 4.51% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 58 | $12,730,000 | $219,483 | $8,114 | 4.45% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 39 | $9,935,000 | $254,744 | $6,610 | 4.43% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 35 | $8,805,000 | $251,571 | $7,175 | 4.53% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 30 | $7,560,000 | $252,000 | $8,982 | 4.30% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 41 | $6,675,000 | $162,805 | $5,358 | 4.35% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 26 | $5,330,000 | $205,000 | $5,384 | 4.72% |
| Outside of Metro Areas | 22 | $4,360,000 | $198,182 | $6,413 | 4.34% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 19 | $3,545,000 | $186,579 | $6,998 | 4.45% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 15 | $3,435,000 | $229,000 | $9,314 | 4.58% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 8 | $2,870,000 | $358,750 | $7,112 | 3.94% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 12 | $2,630,000 | $219,167 | $7,097 | 3.99% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 9 | $2,125,000 | $236,111 | $7,542 | 4.78% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 8 | $1,880,000 | $235,000 | $6,277 | 4.28% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 7 | $1,755,000 | $250,714 | $5,549 | 4.46% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 6 | $1,710,000 | $285,000 | $6,740 | 4.50% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 5 | $1,595,000 | $319,000 | $6,013 | 4.63% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 8 | $1,550,000 | $193,750 | $6,049 | 4.41% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 7 | $1,465,000 | $209,286 | $6,646 | 4.38% |
| KINGSTON, NY (FHA|USDA|VA) | 7 | $1,235,000 | $176,429 | $5,266 | 4.79% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $7,954 | 4.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $7,506 | 4.63% |
| Laconia, NH (FHA|USDA|VA) | 5 | $775,000 | $155,000 | $5,620 | 4.90% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $3,784 | 4.94% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $750,000 | $375,000 | $4,645 | 3.44% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $12,291 | 4.75% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $640,000 | $320,000 | $5,936 | 4.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $5,522 | 4.29% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $16,060 | 5.63% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $20,765 | 4.75% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $5,385 | 4.13% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $7,030 | 4.06% |
| LEBANON, PA (FHA|USDA|VA) | 4 | $500,000 | $125,000 | $5,250 | 3.94% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $5,105 | 3.38% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $465,000 | $465,000 | $13,552 | 3.88% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $455,000 | $151,667 | $5,624 | 4.67% |
| Emporia, KS (FHA|USDA|VA) | 5 | $455,000 | $91,000 | $4,194 | 4.73% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $15,480 | 4.63% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $5,972 | 4.56% |
| Keene, NH (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $8,131 | 5.75% |
| Concord, NH (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $5,353 | 4.56% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $12,485 | 4.50% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $4,572 | 4.13% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,217 | 3.88% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $8,281 | 4.13% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,995 | 3.88% |
| READING, PA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,498 | 4.00% |
| DOVER, DE (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $8,214 | 4.75% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $240,000 | $120,000 | $4,040 | 3.87% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $5,448 | 4.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $9,238 | 4.38% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $5,138 | 4.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,934 | 4.25% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $8,133 | 3.63% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $6,049 | 3.75% |
| TYLER, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $9,019 | 5.75% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,322 | 4.00% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $9,700 | 4.38% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $5,349 | 3.88% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,966 | 3.88% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,329 | 4.25% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,256 | 5.50% |
| Shelby, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $8,616 | 4.63% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,333 | 4.50% |
| Lebanon, NH-VT (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $5,849 | 4.25% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,398 | 4.13% |
| Seneca, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,681 | 5.13% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,067 | 4.63% |
| Meadville, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $4,753 | 4.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,290 | 4.00% |
| LANCASTER, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $5,673 | 5.00% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $7,515 | 4.13% |
| UTICA-ROME, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $6,538 | 4.25% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,052 | 5.38% |
| SUMTER, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $6,249 | 5.63% |
| DuBois, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $3,351 | 4.00% |
Similar Lenders
We use machine learning to identify the top lenders compared against FAMILY FIRST FUNDING based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2019, Family First Funding's most frequently originated type of loan was Conventional, with 1,605 originations. Their 2nd most popular type was FHA, with 1,034 originations.
Loan Reason
For 2019, Family First Funding's most frequently cited loan purpose was Home Purchase, with 2,037 originations. The 2nd most popular reason was Refi, with 444 originations.
Loan Duration/Length
For 2019, Family First Funding's most frequently cited loan duration was 30 Year, with 2,615 originations. The 2nd most popular length was 15 Year, with 88 originations.
Origination Fees/Closing Costs
Family First Funding's average total fees were $8,402, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,195 originations.
Interest Rates
During 2019, Family First Funding's average interest rate for loans was 4.36%, while their most frequently originated rate bucket for loans was 4-5%, with 1,370 originations.
Loan Sizing
2019 saw Family First Funding place emphasis on $200k-400k loans with 1,568 originations, totaling $454,410,000 in origination value.
Applicant Income
Family First Funding lent most frequently to those with incomes in the $100k-150k range, with 701 originations. The second most popular income band? $75k-100k, with 614 originations.
Applicant Debt to Income Ratio
Family First Funding lent most frequently to those with DTI ratios of 50-60%, with 411 originations. The next most common DTI ratio? 30-36%, with 396 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.59%
Family First Funding has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination55.73%
Family First Funding has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 2,756 | $799,790,000 | $290,200 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 8 | $1,050,000 | $131,250 |
| Single Family (1-4 Units):Site-Built | 2,748 | $798,740,000 | $290,662 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2019 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Family First Funding LLC | Other type of mortgage | Struggling to pay mortgage | 1 | 100.0% |