1st 2nd mortgage Co NMLS #115981
Who is 1st 2nd mortgage Co?
1st 2nd mortgage Co (NMLS #115981) is a lender or broker listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or broker1st 2nd mortgage Co
- NMLS #115981
- Verified by FreeRateUpdateCompany name and NMLS ID, checked against NMLS on
- Profile updated
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Reported application outcomes and pricing, 2025
- 2025 home loan decisionsOf 321 applications decided by 1ST 2ND MORTGAGE COMPANY OF N.J., INC. in 2025, 301 were originated, 1 was approved but not accepted by the borrower, and 19 were denied.
- Median rate spread0.408 (reported on 257 originations, 44 reported no spread at all -- a median of what was reported, not of everything originated)
That is an approval rate of 94.1%. Withdrawn, incomplete and purchased loans are not counted here and are not part of that rate.
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Evidence read 2026-10-10T20:58:22+00:00
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for 1ST 2ND MORTGAGE COMPANY OF N.J., INC. — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
About 1st 2nd mortgage Co
Overview
1st 2nd mortgage Co is a mortgage lender that works with homebuyers and homeowners seeking refinance options. It also works with first-time homebuyers as part of its home-loan business.
Mortgage options
Mortgage options include conventional loans, FHA loans, VA loans, jumbo loans, adjustable-rate mortgages, reverse mortgages, HELOCs, and non-QM loans. Additional programs include FHA streamline refinancing, conventional refinancing, jumbo refinancing, 1099 loans, and down payment assistance.
Locations
The company has 11 branch locations across Florida, Guam, Hawaii, New Jersey, New York, and Pennsylvania.
Company details and licensing
The company's legal name is 1ST 2ND MORTGAGE COMPANY OF N.J., INC., a corporation formed in New Jersey, United States, on October 21, 1982. It is headquartered at 50 Spring Street, Cresskill, New Jersey 07626, and its NMLS company ID is 115981.
Trade names include 1st 2nd Mortgage and E-Loan Home. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #115981 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Frequently Asked Questions
What is 1st 2nd mortgage Co's NMLS number?
1st 2nd mortgage Co's NMLS number is 115981. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Has FreeRateUpdate verified 1st 2nd mortgage Co's NMLS ID?
Yes. We checked 1st 2nd mortgage Co's company name and NMLS ID against the NMLS record on August 2, 2026. That confirms who the company is. It isn't an endorsement, and it doesn't check their license in any particular state.
Where can I learn more about 1st 2nd mortgage Co?
This page has 1st 2nd mortgage Co's NMLS identity, which we verified, and its company details, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.