FINANCIAL RESOURCES FEDERAL CREDIT UNION
FINANCIAL RESOURCES FEDERAL CREDIT UNION received 197 applications in 2025 and made 130 mortgages, in 58 counties across 18 states. The median rate its borrowers got was 6.250% on a median loan of $360,000. Of 173 decisions, 43 were denials — 24.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300US45HOXL30J494 |
|---|---|
| Applications received | 197 |
| Mortgages made | 130 |
| Denied | 43 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 24 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.003 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 | 55 | 5.750% | $475,000 | 5.2% |
| Refinancing | 38 | 6.125% | $395,000 | 15.6% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 35 | 7.600% | $85,000 | 48.5% |
Where FINANCIAL RESOURCES FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Middlesex County, NJ | 20 | 6.500% | 20.0% |
| Somerset County, NJ | 20 | 7.500% | 39.4% |
| Hunterdon County, NJ | 12 | 7.050% | 29.4% |
| Monmouth County, NJ | 8 | Under 10 loans | 11.1% |
| Bucks County, PA | 6 | Under 10 loans | 14.3% |
| Hudson County, NJ | 5 | Under 10 loans | 28.6% |
| Mercer County, NJ | 5 | Under 10 loans | 0.0% |
| Contra Costa County, CA | 3 | Under 10 loans | 0.0% |
| Ocean County, NJ | 3 | Under 10 loans | 0.0% |
| Washoe County, NV | 2 | Under 10 loans | 33.3% |
| Bergen County, NJ | 2 | Under 10 loans | 0.0% |
| Burlington County, NJ | 2 | Under 10 loans | 0.0% |
| Passaic County, NJ | 2 | Under 10 loans | 0.0% |
| Union County, NJ | 2 | Under 10 loans | 60.0% |
| Warren County, NJ | 2 | Under 10 loans | 0.0% |
| Mecklenburg County, NC | 2 | Under 10 loans | 0.0% |
| Lehigh County, PA | 2 | Under 10 loans | 0.0% |
| Montgomery County, PA | 2 | Under 10 loans | 0.0% |
| Northampton County, PA | 2 | Under 10 loans | 0.0% |
| Loudoun County, VA | 2 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Orange County, CA | 1 | Under 10 loans | 0.0% |
| San Joaquin County, CA | 1 | Under 10 loans | 50.0% |
| Ventura County, CA | 1 | Under 10 loans | 0.0% |
| Kent County, DE | 1 | Under 10 loans | 0.0% |
| Polk County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Forsyth County, GA | 1 | Under 10 loans | 0.0% |
| Hancock County, ME | 1 | Under 10 loans | 0.0% |
| Essex County, MA | 1 | Under 10 loans | 0.0% |
| Douglas County, NE | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 1 | Under 10 loans | 0.0% |
| Essex County, NJ | 1 | Under 10 loans | 66.7% |
| Gloucester County, NJ | 1 | Under 10 loans | 0.0% |
| Morris County, NJ | 1 | Under 10 loans | 50.0% |
| Nassau County, NY | 1 | Under 10 loans | 0.0% |
| Chatham County, NC | 1 | Under 10 loans | 0.0% |
| Harnett County, NC | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 50.0% |
| Cuyahoga County, OH | 1 | Under 10 loans | 0.0% |
| Lancaster County, PA | 1 | Under 10 loans | 0.0% |
| Philadelphia County, PA | 1 | Under 10 loans | 0.0% |
| Berkeley County, SC | 1 | Under 10 loans | 0.0% |
| Riverside County, CA | 0 | Under 10 loans | 100.0% |
| Sacramento County, CA | 0 | Under 10 loans | Not published |
| Lee County, FL | 0 | Under 10 loans | Not published |
| Cobb County, GA | 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.