Applications / Mortgage Analytics / Lenders / New Jersey / Members First of NJ Federal Credit Union
Vineland, NJ · Credit union · NCUA · $129 million assets · 41 loans in 2025
Members First of NJ Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
41
loans originated, 2025
64
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Members First of NJ Federal Credit Union, of Vineland, New Jersey, makes small home-improvement and other-purpose loans, many in majority-minority neighborhoods.
Home improvement made up 51.2% of its 41 loans in 2025 and other purposes 46.3%; it made no purchase loans. Its typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans).
Of its loans, 36.6% went to majority-minority neighborhoods, against 9.3% at peers, more than at four in five of them.
It ranks 75 of 233 lenders in Vineland, its largest market, but its share fell from 0.5% to 0.2%. Its loans fell 23%, from 53 to 41, while similar lenders grew 3%. One possible reason for the share loss is size: small home-improvement loans count for little in a market measured in dollars. Wells Fargo Bank and Nation One Mortgage lead the market, with $102.9M and $102.7M.
It filed no report for 2020 or 2021. Those years are gaps in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Members First of NJ Federal Credit Union took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 51.2% · Other 46.3% · Refinance 2.4%
Conventional 100.0% · of 41 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 | 41 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Vineland | 25 |
| Camden | 5 |
| Wilmington | 5 |
| Atlantic City-Hammonton | 4 |
| Lakewood-New Brunswick | 1 |
| Newark | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VFP60F9IJ2SQ62 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 682572 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52574 | 2010–2017 |
Established 1 January 1938. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Members First of NJ Federal Credit Union's data.
Members First of NJ Federal Credit Union's data
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Members First of NJ 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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