CREDIT UNION OF NEW JERSEY, A FEDERAL CREDIT UNION
CREDIT UNION OF NEW JERSEY, A FEDERAL CREDIT UNION received 581 applications in 2025 and made 262 mortgages, in 31 counties across 5 states. The median rate its borrowers got was 7.990% on a median loan of $85,000. Of 529 decisions, 266 were denials — 50.3%, most often for other.
| Legal Entity Identifier | 549300NP3DNB1K9Z8513 |
|---|---|
| Applications received | 581 |
| Mortgages made | 262 |
| Denied | 266 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 52 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 1.93 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 |
|---|---|---|---|---|
| Home purchase | 9 | Under 10 loans | Under 10 loans | 30.8% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Other purposes | 252 | 7.990% | $85,000 | 50.5% |
Where CREDIT UNION OF NEW JERSEY, A FEDERAL CREDIT UNION lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Mercer County, NJ | 96 | 7.990% | 54.9% |
| Burlington County, NJ | 55 | 8.240% | 44.4% |
| Middlesex County, NJ | 16 | 7.990% | 27.3% |
| Ocean County, NJ | 13 | 8.990% | 40.9% |
| Bucks County, PA | 13 | 7.990% | 31.6% |
| Cumberland County, NJ | 9 | Under 10 loans | 35.7% |
| Somerset County, NJ | 9 | Under 10 loans | 35.7% |
| Union County, NJ | 8 | Under 10 loans | 68.0% |
| Hunterdon County, NJ | 7 | Under 10 loans | 36.4% |
| Monmouth County, NJ | 7 | Under 10 loans | 50.0% |
| Camden County, NJ | 6 | Under 10 loans | 64.7% |
| Morris County, NJ | 5 | Under 10 loans | 16.7% |
| Bergen County, NJ | 3 | Under 10 loans | 66.7% |
| Essex County, NJ | 3 | Under 10 loans | 57.1% |
| Gloucester County, NJ | 3 | Under 10 loans | 25.0% |
| Atlantic County, NJ | 2 | Under 10 loans | 66.7% |
| Chester County, PA | 2 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| Hudson County, NJ | 1 | Under 10 loans | 80.0% |
| Passaic County, NJ | 1 | Under 10 loans | 80.0% |
| Monroe County, PA | 1 | Under 10 loans | 0.0% |
| Northampton County, PA | 1 | Under 10 loans | 0.0% |
| Jefferson County, KS | 0 | Under 10 loans | 100.0% |
| Cape May County, NJ | 0 | Under 10 loans | 100.0% |
| Sussex County, NJ | 0 | Under 10 loans | 100.0% |
| Warren County, NJ | 0 | Under 10 loans | 100.0% |
| Burke County, NC | 0 | Under 10 loans | 100.0% |
| Blair County, PA | 0 | Under 10 loans | Not published |
| Montgomery County, PA | 0 | Under 10 loans | Not published |
| Philadelphia County, PA | 0 | Under 10 loans | 100.0% |
| Schuylkill County, PA | 0 | Under 10 loans | 100.0% |
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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.