FIRST HARVEST Federal Credit Union in New Jersey vs the state
25.3%Denial rate+7.59 pts vs state
36.2%Decision denial rate+13.18 pts vs state
44.5%Origination rate-11.19 pts vs state
7.74%Median rate+0.99 pts vs state
1.32Rate spread (pts)+1.04 pts vs state
$99kMedian applicant income
359Loans originated
204Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 824 | 395 | 24.9% | 7.25% | #64 |
| 2024 | 885 | 398 | 27.9% | 7.50% | #63 |
| 2025 | 807 | 359 | 25.3% | 7.74% | #77 |
What FIRST HARVEST 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 HARVEST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Camden County | 276 | 124 | 74 | 26.8% |
| Gloucester County | 201 | 104 | 49 | 24.4% |
| Atlantic County | 117 | 51 | 30 | 25.6% |
| Burlington County | 59 | 32 | 10 | 16.9% |
| Cumberland County | 59 | 21 | 16 | 27.1% |
| Cape May County | 17 | 6 | 5 | 29.4% |
| Ocean County | 14 | 6 | 2 | 14.3% |
| Mercer County | 11 | 3 | 4 | 36.4% |
| Salem County | 11 | 4 | 1 | 9.1% |
| Middlesex County | 9 | 2 | 2 | 22.2% |
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: 807 applications in 2025, of which 359 were originated and 204 denied.
25.3% of all applications, or 36.2% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans FIRST HARVEST Federal Credit Union originated in New Jersey in 2025 was 7.74%, against a statewide median of 6.75%.
About this data. Figures are FIRST HARVEST 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