Applications / Mortgage Analytics / Lenders / New Jersey / FIRST Harvest Federal Credit Union
Deptford, NJ · Credit union · NCUA · $458 million assets · 363 loans in 2025
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363
loans originated, 2025
828
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FIRST Harvest Federal Credit Union, a New Jersey credit union, made no home-purchase loans in 2025; it lends small sums to improve homes or for other purposes.
Home improvement made up 46.0% of its loans and other purposes 45.2%. Its typical loan, $65,000, was smaller than at nearly all similar lenders, credit unions making between half and twice as many loans, where it was $105,000. Its 363 loans came to $26.3 million, against $62.7 million at those lenders.
Its loans fell 11%, from 406, while similar lenders grew 7%; the fall was larger than at about four in five of them. Its count has moved between 363 and 500 since 2018.
Borrowers of low and moderate income (LMI) took 33.5% of its loans, against 27.5% at similar lenders, more than at about seven in ten of them. Poorer neighborhoods took 20.2% and majority-minority neighborhoods 25.1%, against 15.5% and 11.9% at those lenders.
Its typical rate was 7.74%, against 6.99% at similar lenders, higher than at most of them. Of its loans, 2.8% were higher-priced (a rate well above the average for similar loans), against 1.9%. Home-improvement and other-purpose loans are often smaller and priced above first mortgages, which may account for the difference.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Harvest Federal Credit Union took 828 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.0% · Other 45.2% · Refinance 8.8%
Conventional 100.0% · of 363 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 | 358 | 98.6% |
| Pennsylvania | 4 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Camden | 260 |
| Atlantic City-Hammonton | 57 |
| Vineland | 21 |
| Lakewood-New Brunswick | 8 |
| Wilmington | 4 |
| New York-Jersey City-White Plains | 3 |
| Philadelphia | 3 |
| Trenton-Princeton | 3 |
| Newark | 2 |
| Montgomery County-Bucks County-Chester County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002P6EVQ94HFYF14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 441274 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53951 | 1996–2017 |
Established 1 January 1940. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: FIRST Harvest Federal Credit Union's data.
FIRST Harvest Federal Credit Union's data
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FIRST Harvest 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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