First Financial Federal Credit Union mortgage approval rate & lending review
First Financial Federal Credit Union decided 608 mortgage applications and funded 349 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions First Financial Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
First Financial Federal Credit Union at a glance
Approval is 7.1 points below the 64.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 61% | 261 / 427 | 100% | $55K | 261 |
| Cash-out refinance | 48% | 80 / 167 | 100% | $55K | 80 |
First Financial Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New Jersey | 58% | $55K | 606 | 349 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where First Financial Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Ocean County, NJ | Home improvement loans | 61% | 253 | 155 |
| Monmouth County, NJ | Home improvement loans | 61% | 163 | 99 |
| Ocean County, NJ | Cash-out refinance | 52% | 80 | 42 |
| Monmouth County, NJ | Cash-out refinance | 43% | 81 | 35 |
The county markets where First Financial Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about First Financial Federal Credit Union
What is First Financial Federal Credit Union's mortgage approval rate?
First Financial Federal Credit Union approved 57.4% of the 608 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.1 points below the 64.5% national rate for the same mix of loan types.
How often do borrowers take the loan First Financial Federal Credit Union offers?
Borrowers accepted 100% of the loans First Financial Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does First Financial Federal Credit Union make?
The typical home improvement loan loan First Financial Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $55K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does First Financial Federal Credit Union lend?
First Financial Federal Credit Union decided applications in 3 of the states Fat Boy Data covers, most of them in New Jersey, Connecticut and South Carolina.
Can I apply to First Financial Federal Credit Union directly?
Yes. First Financial Federal Credit Union is a bank or credit union with 31 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show First Financial Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how First Financial Federal Credit Union treats applications, then get a rate quote from the lender.