Applications / Mortgage Analytics / Lenders / New Jersey / Central Jersey Federal Credit Union
Woodbridge, NJ · Credit union · NCUA · $92.6 million assets · 53 loans in 2025
Central Jersey Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
53
loans originated, 2025
61
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Central Jersey Federal Credit Union does almost nothing but refinance, and nearly half its loans go to majority-minority neighborhoods.
Refinancing made up 98.1% of its lending in 2025; it made no purchase loans. Its typical loan was $105,000, a little above the $95,000 at similar lenders (credit unions making between half and twice as many loans). It lent $6.2 million in all.
Majority-minority neighborhoods took 49.1% of its loans, against 9.8% at similar lenders, more than at almost nine in ten of them. Low- and moderate-income (LMI) borrowers took 34.0%, close to the 31.2% at its peers.
Its originations rose 8% to 53, against 5% at similar lenders and 10% for the whole market. It made 70 loans in 2022 and 44 in 2023. It filed no report for 2020 or 2021, so the record has gaps.
In New York-Newark-Jersey City it ranks 480 of 802 lenders, in a market led by JPMorgan Chase Bank and Wells Fargo Bank. It made its first loans in Atlantic City-Hammonton in 2025.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Central Jersey Federal Credit Union took 61 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 98.1% · Home improvement 1.9%
Conventional 100.0% · of 53 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 | 53 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 48 |
| Trenton-Princeton | 3 |
| Atlantic City-Hammonton | 1 |
| Newark | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900BQENI8J22AJ557 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 636173 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51108 | 1995–2016 |
Established 1 January 1936. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Central Jersey Federal Credit Union's data.
Central Jersey Federal Credit Union's data
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Central Jersey 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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