FIRST HARVEST Federal Credit Union
FIRST HARVEST Federal Credit Union received 828 applications in 2025 and made 363 mortgages, in 24 counties across 6 states. The median rate its borrowers got was 7.740% on a median loan of $65,000. Of 574 decisions, 211 were denials — 36.8%, most often for credit history. 9 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493002P6EVQ94HFYF14 |
|---|---|
| Applications received | 828 |
| Mortgages made | 363 |
| Denied | 211 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 254 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.325 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 |
|---|---|---|---|---|
| Refinancing | 32 | 7.535% | $85,000 | 27.3% |
| Other purposes | 331 | 7.740% | $65,000 | 37.6% |
Where FIRST HARVEST Federal Credit Union lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Camden County, NJ | 124 | 7.620% | 37.4% |
| Gloucester County, NJ | 104 | 7.740% | 32.0% |
| Atlantic County, NJ | 51 | 7.740% | 37.0% |
| Burlington County, NJ | 32 | 7.740% | 23.8% |
| Cumberland County, NJ | 21 | 7.750% | 43.2% |
| Cape May County, NJ | 6 | Under 10 loans | 45.5% |
| Ocean County, NJ | 6 | Under 10 loans | 25.0% |
| Salem County, NJ | 4 | Under 10 loans | 20.0% |
| Bergen County, NJ | 3 | Under 10 loans | 0.0% |
| Mercer County, NJ | 3 | Under 10 loans | 57.1% |
| Middlesex County, NJ | 2 | Under 10 loans | 50.0% |
| Philadelphia County, PA | 2 | Under 10 loans | 33.3% |
| Morris County, NJ | 1 | Under 10 loans | 50.0% |
| Union County, NJ | 1 | Under 10 loans | 80.0% |
| Delaware County, PA | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 75.0% |
| New Castle County, DE | 0 | Under 10 loans | 100.0% |
| Hillsborough County, FL | 0 | Under 10 loans | 100.0% |
| Hudson County, NJ | 0 | Under 10 loans | 100.0% |
| Monmouth County, NJ | 0 | Under 10 loans | 100.0% |
| Passaic County, NJ | 0 | Under 10 loans | 100.0% |
| Sussex County, NJ | 0 | Under 10 loans | 100.0% |
| Union County, NC | 0 | Under 10 loans | Not published |
| Fairfax County, VA | 0 | Under 10 loans | 100.0% |
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When FIRST HARVEST 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.