Applications / Mortgage Analytics / Lenders / New Jersey / Financial Resources Federal Credit Union
Branchburg, NJ · Credit union · NCUA · $618 million assets · 130 loans in 2025
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130
loans originated, 2025
197
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Financial Resources Federal Credit Union makes far larger loans than other credit unions its size: its typical loan was $360,000, against $105,000 at similar lenders.
Its typical loan was larger than at nearly all similar lenders (credit unions making between half and twice as many loans). It lent $47.8 million in all, against $17.5 million at the typical peer. Jumbo loans (larger than the conforming limit) were 2.2% of its lending; the typical peer made none. Purchases were 42.3% of its loans.
It made 130 loans, up 2% from 127, while similar lenders grew 9% and the whole market 10%. It made 271 in 2022, and the record does not show why it has made fewer since. Its typical rate, 6.25%, was lower than at more than four in five peers.
Low- and moderate-income (LMI) borrowers took 10.8% of its loans, against 29.0% at similar lenders, among the lowest tenth. Its large loans are one possible reason. Majority-minority areas took 26.2%, against 9.7%, more than at about three-quarters of peers.
It lent in 15 states and 29 metros. Its shares are small everywhere: it ranked 158 of 365 in Trenton-Princeton with 0.1%, and 326 of 802 in New York-Newark-Jersey City.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Financial Resources Federal Credit Union took 197 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.3% · Refinance 30.8% · Other 13.8% · Home improvement 13.1%
Conventional 100.0% · of 130 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 | 89 | 68.5% |
| Pennsylvania | 14 | 10.8% |
| California | 7 | 5.4% |
| North Carolina | 5 | 3.8% |
| Nevada | 3 | 2.3% |
| Florida | 2 | 1.5% |
| Virginia | 2 | 1.5% |
| Delaware | 1 | 0.8% |
| Georgia | 1 | 0.8% |
| Massachusetts | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 51 |
| Newark | 16 |
| New York-Jersey City-White Plains | 9 |
| Montgomery County-Bucks County-Chester County | 8 |
| Allentown-Bethlehem-Easton | 6 |
| Trenton-Princeton | 5 |
| Camden | 4 |
| Oakland-Fremont-Berkeley | 4 |
| Arlington-Alexandria-Reston | 2 |
| Atlantic City-Hammonton | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300US45HOXL30J494 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 870481 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 56665 | 1992–2017 |
Established 1 January 1950. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Financial Resources Federal Credit Union's data.
Financial Resources Federal Credit Union's data
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Financial Resources 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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