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, Allentown, and Poughkeepsie among others. We have data for 128 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
5,736Origination Dollar Volume (All Markets)
$1,956,040,000Awards
FAMILY FIRST FUNDING - 2021
FAMILY FIRST FUNDING is a 2021 , due to their low .
For 2021, 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) | 4,090 | $1,510,200,000 | $369,242 | $7,639 | 3.01% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 154 | $55,630,000 | $361,234 | $6,677 | 3.10% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 208 | $52,240,000 | $251,154 | $7,050 | 3.07% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 156 | $41,280,000 | $264,615 | $6,784 | 3.08% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 81 | $23,735,000 | $293,025 | $7,612 | 2.98% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 83 | $22,435,000 | $270,301 | $6,909 | 3.34% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 71 | $18,635,000 | $262,465 | $6,618 | 3.05% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 53 | $13,825,000 | $260,849 | $6,267 | 3.21% |
| LEBANON, PA (FHA|USDA|VA) | 74 | $12,590,000 | $170,135 | $5,698 | 3.19% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 61 | $11,095,000 | $181,885 | $5,611 | 3.39% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 40 | $10,680,000 | $267,000 | $6,196 | 3.36% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 45 | $10,605,000 | $235,667 | $5,345 | 3.06% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 28 | $9,540,000 | $340,714 | $6,720 | 3.11% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 20 | $9,100,000 | $455,000 | $8,801 | 3.16% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 38 | $8,870,000 | $233,421 | $5,593 | 3.18% |
| Outside of Metro Areas | 40 | $8,640,000 | $216,000 | $6,408 | 3.12% |
| Key West, FL (FHA|USDA|VA) | 6 | $7,930,000 | $1,321,667 | $10,133 | 3.29% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 21 | $7,375,000 | $351,190 | $7,375 | 3.20% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 19 | $5,775,000 | $303,947 | $5,838 | 2.91% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 15 | $4,875,000 | $325,000 | $5,048 | 3.06% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 23 | $4,605,000 | $200,217 | $5,603 | 3.34% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 18 | $4,530,000 | $251,667 | $5,477 | 3.05% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 17 | $4,215,000 | $247,941 | $6,097 | 3.01% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 19 | $3,935,000 | $207,105 | $6,146 | 3.19% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 18 | $3,770,000 | $209,444 | $5,383 | 3.10% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 20 | $3,750,000 | $187,500 | $4,411 | 3.23% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 6 | $3,520,000 | $586,667 | $8,536 | 2.75% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 17 | $3,265,000 | $192,059 | $5,477 | 3.29% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 7 | $3,005,000 | $429,286 | $7,787 | 3.34% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 10 | $2,920,000 | $292,000 | $7,096 | 3.49% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 8 | $2,860,000 | $357,500 | $7,386 | 2.90% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 10 | $2,770,000 | $277,000 | $5,971 | 3.09% |
| VINELAND-BRIDGETON, NJ (FHA|USDA|VA) | 11 | $2,555,000 | $232,273 | $7,343 | 3.20% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 2 | $2,440,000 | $1,220,000 | $5,592 | 3.13% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 9 | $2,435,000 | $270,556 | $6,020 | 3.07% |
| COLUMBIA, SC (FHA|USDA|VA) | 12 | $2,420,000 | $201,667 | $5,384 | 3.41% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 11 | $2,325,000 | $211,364 | $5,031 | 3.05% |
| ASHEVILLE, NC (FHA|USDA|VA) | 5 | $2,325,000 | $465,000 | $6,473 | 3.37% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 6 | $1,800,000 | $300,000 | $7,377 | 3.23% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 4 | $1,710,000 | $427,500 | $7,954 | 3.09% |
| ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) | 8 | $1,660,000 | $207,500 | $6,648 | 3.38% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $1,620,000 | $270,000 | $5,029 | 2.81% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 5 | $1,515,000 | $303,000 | $7,911 | 3.38% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 7 | $1,455,000 | $207,857 | $4,887 | 2.98% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 5 | $1,445,000 | $289,000 | $7,824 | 3.20% |
| SAVANNAH, GA (FHA|USDA|VA) | 5 | $1,405,000 | $281,000 | $4,239 | 3.07% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,380,000 | $690,000 | $4,642 | 3.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $4,057 | 3.44% |
| LANCASTER, PA (FHA|USDA|VA) | 6 | $1,330,000 | $221,667 | $5,689 | 3.06% |
| SPARTANBURG, SC (FHA|USDA|VA) | 5 | $1,285,000 | $257,000 | $10,013 | 3.48% |
| PITTSBURGH, PA (FHA|USDA|VA) | 5 | $1,245,000 | $249,000 | $5,490 | 2.65% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 3 | $1,245,000 | $415,000 | $10,099 | 3.50% |
| READING, PA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $6,771 | 3.23% |
| GAINESVILLE, FL (FHA|USDA|VA) | 4 | $1,040,000 | $260,000 | $4,432 | 3.09% |
| Pottsville, PA (FHA|USDA|VA) | 6 | $1,020,000 | $170,000 | $7,125 | 3.38% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,015,000 | $203,000 | $5,512 | 3.25% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $6,666 | 3.34% |
| KINGSTON, NY (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $7,086 | 2.84% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 3 | $935,000 | $311,667 | $4,548 | 3.42% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $925,000 | $925,000 | $5,166 | 3.38% |
| OCALA, FL (FHA|USDA|VA) | 5 | $895,000 | $179,000 | $5,636 | 3.28% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $5,479 | 3.33% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $4,288 | 3.75% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 2 | $850,000 | $425,000 | $6,221 | 2.75% |
| Sevierville, TN (FHA|USDA|VA) | 2 | $840,000 | $420,000 | $8,455 | 3.50% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $780,000 | $390,000 | $5,388 | 3.38% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 4 | $730,000 | $182,500 | $8,684 | 3.56% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $5,474 | 3.25% |
| SUMTER, SC (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $12,935 | 3.50% |
| THE VILLAGES, FL (FHA|USDA|VA) | 3 | $605,000 | $201,667 | $4,914 | 2.83% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 2 | $590,000 | $295,000 | $6,067 | 3.75% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $5,935 | 2.88% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,537 | 3.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $3,403 | 3.67% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $8,770 | 4.13% |
| Hudson, NY (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,235 | 3.31% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,881 | 2.25% |
| ROCHESTER, NY (FHA|USDA|VA) | 3 | $485,000 | $161,667 | $6,663 | 3.58% |
| HARRISONBURG, VA (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,472 | 2.99% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $6,486 | 3.06% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,107 | 3.38% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 2 | $440,000 | $220,000 | $4,119 | 3.25% |
| Astoria, OR (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,931 | 3.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $390,000 | $195,000 | $4,072 | 3.44% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $4,236 | 2.88% |
| Zanesville, OH (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $4,841 | 4.00% |
| AKRON, OH (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $4,836 | 2.38% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $4,780 | 2.25% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $11,732 | 3.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $4,137 | 3.06% |
| Breckenridge, CO (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $3,623 | 2.88% |
| DOVER, DE (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $5,389 | 4.38% |
| Washington, NC (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $18,392 | 3.13% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,256 | 3.13% |
| Greenwood, SC (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $6,494 | 3.44% |
| Torrington, CT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $5,083 | 3.38% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $4,679 | 3.06% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,877 | 2.13% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $12,077 | 3.50% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $4,361 | 2.75% |
| Okeechobee, FL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $9,511 | 2.75% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $4,493 | 3.13% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,257 | 2.75% |
| DECATUR, AL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $3,965 | 3.50% |
| Oneonta, NY (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $6,561 | 3.44% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $4,535 | 2.75% |
| LYNCHBURG, VA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,560 | 3.38% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $7,668 | 3.50% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $3,403 | 2.99% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,756 | 3.38% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,918 | 2.88% |
| ROCKY MOUNT, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $4,087 | 2.75% |
| GREENVILLE, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $7,213 | 3.13% |
| Statesboro, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,988 | 3.50% |
| ODESSA, TX (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,411 | 2.13% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $7,377 | 4.38% |
| Frankfort, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $6,104 | 3.75% |
| Albemarle, NC (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,719 | 3.25% |
| Auburn, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $6,080 | 3.25% |
| MONROE, LA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,932 | 2.88% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $7,322 | 3.25% |
| DuBois, PA (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,568 | 3.38% |
| Georgetown, SC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $6,874 | 3.88% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $7,318 | 3.50% |
| Keene, NH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,416 | 2.88% |
| BINGHAMTON, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $5,468 | 3.38% |
| CANTON-MASSILLON, OH (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 4.13% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,778 | 4.50% |
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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 2021, Family First Funding's most frequently originated type of loan was Conventional, with 4,416 originations. Their 2nd most popular type was FHA, with 1,154 originations.
Loan Reason
For 2021, Family First Funding's most frequently cited loan purpose was Home Purchase, with 3,131 originations. The 2nd most popular reason was Refi, with 1,497 originations.
Loan Duration/Length
For 2021, Family First Funding's most frequently cited loan duration was 30 Year, with 5,088 originations. The 2nd most popular length was 15 Year, with 384 originations.
Origination Fees/Closing Costs
Family First Funding's average total fees were $7,642, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,979 originations.
Interest Rates
During 2021, Family First Funding's average interest rate for loans was 3.11%, while their most frequently originated rate bucket for loans was 3-4%, with 2,575 originations.
Loan Sizing
2021 saw Family First Funding place emphasis on $200k-400k loans with 2,903 originations, totaling $853,475,000 in origination value.
Applicant Income
Family First Funding lent most frequently to those with incomes in the $100k-150k range, with 1,555 originations. The second most popular income band? $75k-100k, with 1,132 originations.
Applicant Debt to Income Ratio
Family First Funding lent most frequently to those with DTI ratios of 20-30%, with 945 originations. The next most common DTI ratio? 30-36%, with 937 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications83.38%
Family First Funding has a below average approval rate.
Pick Rate
Approvals leading to origination77.93%
Family First Funding has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 5,736 | $1,956,040,000 | $341,011 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 5,736 | $1,956,040,000 | $341,011 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2021 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Family First Funding LLC | Conventional home mortgage | Applying for a mortgage or refinancing an existing mortgage | 1 | 50.0% |
| Family First Funding LLC | FHA mortgage | Trouble during payment process | 1 | 50.0% |