GARDEN SAVINGS FEDERAL CREDIT UNION
GARDEN SAVINGS FEDERAL CREDIT UNION received 169 applications in 2025 and made 77 mortgages, in 25 counties across 4 states. The median rate its borrowers got was 7.000% on a median loan of $105,000. Of 145 decisions, 66 were denials — 45.5%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300I7SKMG274G2Y20 |
|---|---|
| Applications received | 169 |
| Mortgages made | 77 |
| Denied | 66 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 24 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.67 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 | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Refinancing | 16 | 7.000% | $175,000 | 36.0% |
| Cash-out refinancing | 2 | Under 10 loans | Under 10 loans | 71.4% |
| Other purposes | 54 | 7.000% | $80,000 | 46.2% |
Where GARDEN SAVINGS FEDERAL CREDIT UNION lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Morris County, NJ | 20 | 6.688% | 43.2% |
| Ocean County, NJ | 8 | Under 10 loans | 38.5% |
| Essex County, NJ | 7 | Under 10 loans | 56.3% |
| Middlesex County, NJ | 6 | Under 10 loans | 62.5% |
| Passaic County, NJ | 6 | Under 10 loans | 33.3% |
| Somerset County, NJ | 5 | Under 10 loans | 0.0% |
| Union County, NJ | 4 | Under 10 loans | 42.9% |
| Bergen County, NJ | 3 | Under 10 loans | 62.5% |
| Hudson County, NJ | 3 | Under 10 loans | 0.0% |
| Burlington County, NJ | 2 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 2 | Under 10 loans | 50.0% |
| Sussex County, NJ | 2 | Under 10 loans | 75.0% |
| Richmond County, NY | 2 | Under 10 loans | 0.0% |
| Sullivan County, NY | 2 | Under 10 loans | 33.3% |
| Atlantic County, NJ | 1 | Under 10 loans | 0.0% |
| Cumberland County, NJ | 1 | Under 10 loans | 0.0% |
| Mercer County, NJ | 1 | Under 10 loans | 0.0% |
| Lebanon County, PA | 1 | Under 10 loans | 0.0% |
| Westmoreland County, PA | 1 | Under 10 loans | 0.0% |
| Pasco County, FL | 0 | Under 10 loans | 100.0% |
| Gloucester County, NJ | 0 | Under 10 loans | 100.0% |
| Hunterdon County, NJ | 0 | Under 10 loans | 100.0% |
| Warren County, NJ | 0 | Under 10 loans | 0.0% |
| Dutchess County, NY | 0 | Under 10 loans | Not published |
| Delaware County, PA | 0 | Under 10 loans | 100.0% |
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When GARDEN SAVINGS FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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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.