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 small mortgage company specializing in Home Purchase and Refi loans. Family First Funding has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: New York, Miami, Philadelphia, Poughkeepsie, and Allentown among others. We have data for 92 markets. (Some data included below & more in-depth data is available with an active subscription.)Family First Funding has an 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 an average 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
4,877Origination Dollar Volume (All Markets)
$1,567,435,000Awards
FAMILY FIRST FUNDING - 2020
FAMILY FIRST FUNDING is a 2020 , due to their low .
For 2020, 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) | 3,790 | $1,290,540,000 | $340,512 | $7,301 | 3.10% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 160 | $48,910,000 | $305,688 | $7,258 | 3.08% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 146 | $34,810,000 | $238,425 | $6,864 | 3.22% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 77 | $20,915,000 | $271,623 | $6,954 | 3.29% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 77 | $20,755,000 | $269,545 | $7,573 | 3.09% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 72 | $20,250,000 | $281,250 | $7,258 | 3.20% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 43 | $10,075,000 | $234,302 | $6,818 | 3.08% |
| LEBANON, PA (FHA|USDA|VA) | 58 | $9,180,000 | $158,276 | $6,056 | 3.32% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 22 | $8,230,000 | $374,091 | $5,365 | 3.11% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 42 | $6,500,000 | $154,762 | $5,244 | 3.49% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 28 | $5,740,000 | $205,000 | $5,816 | 3.12% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 18 | $5,470,000 | $303,889 | $6,177 | 3.08% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 19 | $5,185,000 | $272,895 | $5,931 | 2.85% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 15 | $4,575,000 | $305,000 | $6,725 | 3.03% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 20 | $4,460,000 | $223,000 | $6,118 | 3.28% |
| Outside of Metro Areas | 21 | $4,205,000 | $200,238 | $6,654 | 3.12% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 18 | $4,070,000 | $226,111 | $6,738 | 3.16% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 12 | $3,870,000 | $322,500 | $6,231 | 3.00% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 13 | $3,635,000 | $279,615 | $7,198 | 3.28% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 11 | $3,505,000 | $318,636 | $4,697 | 2.93% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 15 | $3,235,000 | $215,667 | $5,821 | 3.76% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 9 | $2,685,000 | $298,333 | $5,375 | 2.86% |
| KINGSTON, NY (FHA|USDA|VA) | 10 | $2,420,000 | $242,000 | $7,726 | 3.55% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 13 | $2,135,000 | $164,231 | $5,933 | 3.22% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $2,130,000 | $355,000 | $4,073 | 3.33% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 9 | $1,975,000 | $219,444 | $6,717 | 3.75% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 3 | $1,695,000 | $565,000 | $4,872 | 3.29% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 5 | $1,665,000 | $333,000 | $5,481 | 3.23% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 6 | $1,640,000 | $273,333 | $7,293 | 3.08% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 3 | $1,635,000 | $545,000 | $5,311 | 3.00% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 8 | $1,590,000 | $198,750 | $6,647 | 3.28% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 5 | $1,525,000 | $305,000 | $6,973 | 3.35% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 8 | $1,470,000 | $183,750 | $6,872 | 3.53% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 7 | $1,355,000 | $193,571 | $4,892 | 3.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $1,335,000 | $267,000 | $4,907 | 2.78% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $3,466 | 2.92% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 3 | $1,105,000 | $368,333 | $5,619 | 2.96% |
| SAVANNAH, GA (FHA|USDA|VA) | 3 | $1,075,000 | $358,333 | $4,791 | 2.79% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 5 | $1,065,000 | $213,000 | $5,015 | 3.13% |
| COLUMBIA, SC (FHA|USDA|VA) | 6 | $1,040,000 | $173,333 | $5,267 | 3.04% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $7,228 | 3.38% |
| LANCASTER, PA (FHA|USDA|VA) | 4 | $920,000 | $230,000 | $8,051 | 3.28% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $880,000 | $220,000 | $4,702 | 2.88% |
| DOVER, DE (FHA|USDA|VA) | 3 | $825,000 | $275,000 | $7,734 | 3.17% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $5,070 | 3.19% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $3,850 | 3.21% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,626 | 3.81% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $5,529 | 3.25% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 3 | $635,000 | $211,667 | $8,133 | 3.38% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,574 | 3.46% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $560,000 | $280,000 | $6,125 | 2.56% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 3 | $515,000 | $171,667 | $4,728 | 3.79% |
| NAPA, CA (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $5,304 | 3.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $4,338 | 3.00% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 3.25% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $3,760 | 3.50% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,043 | 3.13% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $430,000 | $215,000 | $6,101 | 3.19% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $6,102 | 3.25% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,426 | 2.63% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $3,912 | 3.38% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $9,769 | 3.25% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $10,462 | 2.50% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $3,915 | 3.25% |
| Key West, FL (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $7,967 | 2.75% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $5,073 | 3.63% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,312 | 2.75% |
| ELMIRA, NY (FHA|USDA|VA) | 3 | $265,000 | $88,333 | $7,144 | 3.58% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,099 | 3.13% |
| FLORENCE, SC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $8,180 | 3.13% |
| Pottsville, PA (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $7,511 | 3.56% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 4.63% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $4,102 | 2.75% |
| SYRACUSE, NY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,447 | 2.63% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,289 | 2.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $6,109 | 3.63% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,980 | 2.75% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $4,007 | 3.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,757 | 2.88% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,919 | 3.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,327 | 2.88% |
| Emporia, KS (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $3,262 | 3.56% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,659 | 3.63% |
| Somerset, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $6,534 | 2.75% |
| OCALA, FL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $4,108 | 2.75% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $6,125 | 3.13% |
| CHAMBERSBURG-WAYNESBORO, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $6,638 | 3.13% |
| Shelby, NC (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,860 | 4.13% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $5,860 | 4.00% |
| Lewistown, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $3,593 | 3.88% |
| Greenwood, SC (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $798 | 3.50% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $5,900 | 2.75% |
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Product Mix
For 2020, Family First Funding's most frequently originated type of loan was Conventional, with 3,478 originations. Their 2nd most popular type was FHA, with 1,226 originations.
Loan Reason
For 2020, Family First Funding's most frequently cited loan purpose was Home Purchase, with 2,511 originations. The 2nd most popular reason was Refi, with 1,742 originations.
Loan Duration/Length
For 2020, Family First Funding's most frequently cited loan duration was 30 Year, with 4,276 originations. The 2nd most popular length was 15 Year, with 329 originations.
Origination Fees/Closing Costs
Family First Funding's average total fees were $7,470, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,558 originations.
Interest Rates
During 2020, Family First Funding's average interest rate for loans was 3.17%, while their most frequently originated rate bucket for loans was 3-4%, with 2,148 originations.
Loan Sizing
2020 saw Family First Funding place emphasis on $200k-400k loans with 2,717 originations, totaling $800,275,000 in origination value.
Applicant Income
Family First Funding lent most frequently to those with incomes in the $100k-150k range, with 1,299 originations. The second most popular income band? $75k-100k, with 943 originations.
Applicant Debt to Income Ratio
Family First Funding lent most frequently to those with DTI ratios of 20-30%, with 865 originations. The next most common DTI ratio? 30-36%, with 768 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications84.39%
Family First Funding has a below average approval rate.
Pick Rate
Approvals leading to origination73.43%
Family First Funding has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 4,877 | $1,567,435,000 | $321,393 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Single Family (1-4 Units):Manufactured | 7 | $905,000 | $129,286 |
| Single Family (1-4 Units):Site-Built | 4,870 | $1,566,530,000 | $321,669 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2020 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Family First Funding LLC | FHA mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| Family First Funding LLC | FHA mortgage | Closing on a mortgage | 1 | 50.0% |