FIRST HARVEST Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
4th36.8% deniedPricingmedian rate spread over APOR, weight 30%
6th1.33 ptsProcesswithdrawn + incomplete share, weight 15%
5th30.7%Closing coststotal loan costs ÷ loan amount, weight 10%
100th0.10% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 848 | 407 | 25.0% | 34.3% | 7.25% | $26M |
| 2024 | 911 | 406 | 28.5% | 39.0% | 7.50% | $27M |
| 2025 | 828 | 363 | 25.5% | 36.8% | 7.74% | $26M |
What FIRST HARVEST Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 218 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why FIRST HARVEST Federal Credit Union denies applications
Primary reason reported for each of the 211 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at FIRST HARVEST Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 96 | 12 | 83.3% |
| $50k – $100k | 323 | 126 | 40.9% |
| $100k – $150k | 224 | 127 | 22.1% |
| $150k – $250k | 149 | 78 | 21.2% |
| Over $250k | 32 | 19 | 24.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 64 | 25 | 45.7% |
| 35–44 | 175 | 66 | 40.5% |
| 45–54 | 216 | 100 | 37.5% |
| 55–64 | 210 | 94 | 34.7% |
| 65–74 | 115 | 57 | 29.6% |
| Over 74 | 43 | 19 | 29.6% |
Where FIRST HARVEST Federal Credit Union lends
6 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Jersey | 807 | 359 | 25.3% | 7.74% | #77 |
| Pennsylvania | 16 | 4 | 25.0% | 7.75% | #630 |
Frequently asked questions
FIRST HARVEST Federal Credit Union denied 36.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of small mortgage lenders.
The most common reason FIRST HARVEST Federal Credit Union gave in 2025 was "credit history", cited on 89.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans FIRST HARVEST Federal Credit Union originated in 2025 was 7.74%, and its median rate spread over the average prime offer rate was 1.33 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 0% of its applications were for home purchases, 8% for refinancing (including cash-out), and 92% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.