First Financial Federal Credit Union in New Jersey vs the state
31.4%Denial rate+13.67 pts vs state
34.1%Decision denial rate+11.05 pts vs state
60.6%Origination rate+4.91 pts vs state
6.75%Median rate0.00 pts vs state
0.66Rate spread (pts)+0.38 pts vs state
$106kMedian applicant income
143Loans originated
74Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 230 | 110 | 51.3% | 6.00% | #164 |
| 2024 | 242 | 142 | 38.4% | 6.25% | #173 |
| 2025 | 236 | 143 | 31.4% | 6.75% | #183 |
What First Financial Federal Credit Union lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most First Financial Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ocean County | 126 | 85 | 33 | 26.2% |
| Monmouth County | 104 | 56 | 37 | 35.6% |
| Burlington County | 2 | 1 | 1 | 50.0% |
| Middlesex County | 2 | 1 | 1 | 50.0% |
| Hudson County | 1 | 0 | 1 | 100.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 236 applications in 2025, of which 143 were originated and 74 denied.
31.4% of all applications, or 34.1% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans First Financial Federal Credit Union originated in New Jersey in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are First Financial Federal Credit Union's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology