A home-improvement lender
Home improvement made up 51.9% of its 154 loans. Purchases were only 7.1%. It makes small second loans to existing owners rather than mortgages to buyers, and every loan it made was conventional.
Applications / Mortgage Analytics / Lenders / New Jersey / Jersey Shore Federal Credit Union
Jersey Shore Federal Credit Union
Northfield, NJ · Credit union · NCUA · $245 million assets · 154 loans in 2025
Jersey Shore Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
154
loans originated, 2025
214
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jersey Shore Federal Credit Union lends mostly to people fixing up homes they already own, so its loans are smaller than those of nearly every similar lender.
Many loans, few dollars
Its typical loan was $55,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans). It made more loans than more than half its peers, yet its total of $13.1 million was lower than about three-quarters of them. Small home-improvement loans would account for the difference.
Growing faster than its peers
Originations rose 13% in 2025, to 154. Similar lenders grew 8%. Five years before, it made 87 loans.
A fixture in Atlantic City-Hammonton
It has lent in Atlantic City-Hammonton, NJ since at least 1990. It ranked 72 of 423 lenders there, with 0.3% of lending, unchanged from the year before. Citizens Bank and TD Bank led the market.
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
154 loans in 2025, against a peak of 165 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jersey Shore Federal Credit Union took 214 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
51.9% of its 2025 loans were home improvement loans; all were conventional loans.
Home improvement 51.9% · Refinance 21.4% · Other 19.5% · Purchase 7.1%
Conventional 100.0% · of 154 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
1 state, 5 metros, 8 counties
| State | Loans | Share |
|---|---|---|
| New Jersey | 154 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Atlantic City-Hammonton | 137 |
| Camden | 10 |
| Lakewood-New Brunswick | 5 |
| Newark | 1 |
| Vineland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006VI8ZWLFWG2K57 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 397782 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515483 | 1990–2017 |
Established 1 January 1963. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Jersey Shore Federal Credit Union's data.
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Jersey Shore Federal Credit Union's data
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