First Financial Fcu
Toms River, NJ · What the federal mortgage record shows about how First Financial Fcu treated New Jersey applicants, 2018–2025 — 345 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 345 New Jersey applications First Financial Fcu approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, First Financial Fcu’s rates ran +0.22 pp higher than the typical New Jersey lender (average rate spread +0.45 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 Financial Fcu approves
Why First Financial Fcu denied applications
Where First Financial Fcu lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Ocean County | 201 | 51.7% |
| Monmouth County | 135 | 40.0% |
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by First Financial Fcu (LEI 2549000UEC0BWG8F1402). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →