Applications / Mortgage Analytics / Lenders / New Jersey / Princeton Federal Credit Union
Princeton, NJ · Credit union · NCUA · $172 million assets · 171 loans in 2025
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171
loans originated, 2025
341
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Princeton Federal Credit Union, a New Jersey credit union, lends as much for other purposes as for home purchases, and more often than most peers in majority-minority neighborhoods.
Home purchases made up 37.4% of its loans and other purposes 36.8%; refinances only 3.5%. Its typical loan was $135,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), higher than at about seven in ten.
It made 171 loans, against 173 in 2024, while similar lenders grew 7%. That follows a jump from 102 in 2023.
In Trenton-Princeton, NJ, where it has lent since 2005, its share fell from 0.8% to 0.4%, and it ranks 52 of 365 lenders. Rocket Mortgage and United Wholesale Mortgage lead. Its dollars held steady at $33.4 million, so more lending outside that market, or rivals growing there, are possible reasons.
In majority-minority neighborhoods it made 27.6% of its loans, against 10.8% at peers, more than at about seven in ten. Low- and moderate-income (LMI) borrowers took 18.5%, against 28.5%, lower than at more than four in five, and down from 24.9%. Its larger typical loan is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Princeton Federal Credit Union took 341 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 37.4% · Other 36.8% · Home improvement 19.3% · Refinance 3.5% · Not applicable 2.9%
Conventional 100.0% · of 171 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 | 151 | 88.3% |
| Pennsylvania | 11 | 6.4% |
| Texas | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Trenton-Princeton | 60 |
| Lakewood-New Brunswick | 47 |
| Newark | 19 |
| Camden | 14 |
| Montgomery County-Bucks County-Chester County | 10 |
| New York-Jersey City-White Plains | 10 |
| Allentown-Bethlehem-Easton | 1 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J1354ZHZC8JP58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 761084 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 521009 | 2005–2016 |
Established 1 January 1972. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Princeton Federal Credit Union's data.
Princeton Federal Credit Union's data
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Princeton 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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