The Mortgage Record
Lender report card · New Jersey

First Harvest Federal Credit Union

Deptford, NJ · What the federal mortgage record shows about how First Harvest Federal Credit Union treated New Jersey applicants, 2018–2025 — 1,222 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
66.8%
816 approved
Denial rate
33.2%
406 denied
Decisions
1,222
2018–2025
Avg. rate spread
+0.55 pp
vs. market benchmark
66.8% approved
33.2% denied

Share of 1,222 New Jersey applications First Harvest Federal Credit Union approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional66.8% of 1,222 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

45%54%63%72%81%48%63%76%82%76%54%51%62%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, First Harvest Federal Credit Union’s rates ran +0.33 pp higher than the typical New Jersey lender (average rate spread +0.55 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who First Harvest Federal Credit Union approves

By income
Under $50k47.1% · 340$50–75k70.5% · 332$75–100k69.8% · 232$100–150k83.8% · 204$150–250k81.9% · 94
By debt-to-income
Under 36%85.7% · 50236–43%84.7% · 17043–50%89.4% · 151Over 50%58.0% · 174
By down payment (LTV)
20%+ down87.9% · 76010–20% down84.0% · 505–10% down84.0% · 25

Why First Harvest Federal Credit Union denied applications

Credit history61% of denialsDebt-to-income ratio28% of denialsCollateral (value/type)22% of denialsOther12% of denialsEmployment history1% of denialsUnverifiable information1% of denials

Where First Harvest Federal Credit Union lends in NJ

CountyDecisionsApproval
Camden County50161.5%
Gloucester County26979.6%
Atlantic County21365.3%
Cumberland County8563.5%
Burlington County5180.4%

Fees & closing costs

Median total loan costs
$2,677
home purchase
As % of loan
1.90%
NJ median 1.93%
Priced originations
76
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on First Harvest Federal Credit Union’s home-purchase originations — about the 1.93% New Jersey median. Typical lender credit toward costs: $136. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by First Harvest Federal Credit Union (LEI 5493002P6EVQ94HFYF14). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →