Applications / Mortgage Analytics / Lenders / New Jersey / Credit Union of New Jersey, a Federal Credit Union
Ewing, NJ · Credit union · NCUA · $495 million assets · 262 loans in 2025
Credit Union of New Jersey, a Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
262
loans originated, 2025
581
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Credit Union of New Jersey, a Federal Credit Union, lends mostly to fix up homes, and more of its loans go to low- and moderate-income (LMI) borrowers than at nearly all similar lenders.
Home improvement made up 76.7% of its loans, and other purposes 19.5%. Purchases and refinances barely register. Its typical loan was $85,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans).
LMI borrowers took 47.5% of its loans, against 27.6% at the typical similar lender. Majority-minority neighborhoods took 38.9%, about three times peers' 12.8%.
Of its loans, 18.8% were higher-priced (a rate well above the average for similar loans), against 1.9% at similar lenders. Its typical rate was 7.99%. Home-improvement and other-purpose loans, nearly all of what it makes, are often priced above first mortgages, which could account for most of the difference.
Originations fell 33%, from 392 to 262, while similar lenders grew 6%. The 2024 total looks like the outlier: it made 183 loans in 2023. Its share of Trenton-Princeton, NJ fell from 0.7% to 0.4%, in line with the drop.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Credit Union of New Jersey, a Federal Credit Union took 581 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 76.7% · Other 19.5% · Purchase 3.4% · Refinance 0.4%
Conventional 99.2% · FHA 0.8% · of 262 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Jersey | 244 | 93.1% |
| Pennsylvania | 17 | 6.5% |
| Delaware | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Trenton-Princeton | 96 |
| Camden | 64 |
| Lakewood-New Brunswick | 45 |
| Newark | 23 |
| Montgomery County-Bucks County-Chester County | 15 |
| Vineland | 9 |
| New York-Jersey City-White Plains | 5 |
| Atlantic City-Hammonton | 2 |
| Allentown-Bethlehem-Easton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NP3DNB1K9Z8513 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 770095 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 565597 | 1996–2017 |
Established 1 January 1943. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Credit Union of New Jersey, a Federal Credit Union's data.
Credit Union of New Jersey, a Federal Credit Union's data
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Credit Union of New Jersey, a Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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