Applications / Mortgage Analytics / Lenders / New Jersey / First Financial Federal Credit Union
Freehold, NJ · Credit union · NCUA · $178 million assets · 143 loans in 2025
First Financial Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
143
loans originated, 2025
237
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Financial Federal Credit Union lends to people who already own their homes: 68.5% of its 143 loans in 2025 paid for home improvements, and almost none bought a house.
Home improvement made up 68.5% of its loans and refinances 20.3%; purchases were 0.7%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). That was smaller than at almost nine in ten of them, and it fits a home-improvement book. It is one reason its $9.7 million in loans was about half its peers' $19.6 million.
Borrowers with low and moderate incomes took 47.2% of its loans, against 28.9% at a typical peer, more than at nine in ten of them. A year earlier the share was 36.5%. Poorer neighborhoods (low- and moderate-income tracts) took 23.8%, against 17.3%. Small home-improvement loans may suit owners with lower incomes.
It made 143 loans in 2025, one more than in 2024 and about three times the 48 of 2020; its count has risen every year since. Its typical rate, 6.75%, matched similar lenders'. All its lending is in 4 counties of New Jersey.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Financial Federal Credit Union took 237 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 68.5% · Refinance 20.3% · Other 10.5% · Purchase 0.7%
Conventional 100.0% · of 143 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Jersey | 143 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 142 |
| Camden | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549000UEC0BWG8F1402 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1006175 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51021 | 1998–2017 |
Established 1 January 1936. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: First Financial Federal Credit Union's data.
First Financial Federal Credit Union's data
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First Financial Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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