First Financial Federal Credit Union
First Financial Federal Credit Union received 237 applications in 2025 and made 143 mortgages, in 6 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $65,000. Of 218 decisions, 75 were denials — 34.4%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 2549000UEC0BWG8F1402 |
|---|---|
| Applications received | 237 |
| Mortgages made | 143 |
| Denied | 75 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 19 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.664 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 29 | 6.750% | $65,000 | 44.2% |
| Other purposes | 113 | 6.750% | $55,000 | 31.5% |
Where First Financial Federal Credit Union lends most
The 6 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Ocean County, NJ | 85 | 6.750% | 28.0% |
| Monmouth County, NJ | 56 | 6.750% | 39.8% |
| Burlington County, NJ | 1 | Under 10 loans | 50.0% |
| Middlesex County, NJ | 1 | Under 10 loans | 50.0% |
| Capitol Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Hudson County, NJ | 0 | Under 10 loans | 100.0% |
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When First Financial Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.