Applications / Mortgage Analytics / Lenders / New Jersey / New Jersey Law and Public Safety Credit Union
Trenton, NJ · Credit union · NCUA · $64.9 million assets · 67 loans in 2025
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67
loans originated, 2025
67
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
New Jersey Law and Public Safety Credit Union makes small loans, mostly for purposes other than buying a home, across eight metro areas.
Of its 67 loans in 2025, 61.2% were for other purposes and 37.3% for home improvement; it made almost no refinance loans and no purchase loans. Its typical loan was $55,000, down from $75,000, against $95,000 at similar credit unions, those making between half and twice as many loans. That puts it among the lowest twentieth of them.
Low- and moderate-income borrowers took 29.8% of its loans and low- and moderate-income neighborhoods 16.4%, both near the middle of similar credit unions. Majority-minority neighborhoods took 13.4%, against 9.1% for the group.
Its typical rate, 6.50%, is lower than the peer figure of 6.75%, and lower than at about two-thirds of similar credit unions.
It first reported in 2016 and filed no report from 2018 to 2022; those are gaps in the record, not years without lending. It made 84 loans in 2023, 70 in 2024 and 67 in 2025, a fall of 4% last year while similar credit unions grew 7%.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. New Jersey Law and Public Safety Credit Union took 67 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 61.2% · Home improvement 37.3% · Refinance 1.5%
Conventional 100.0% · of 67 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 | 64 | 95.5% |
| Pennsylvania | 3 | 4.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 22 |
| Camden | 15 |
| Atlantic City-Hammonton | 9 |
| Trenton-Princeton | 8 |
| Allentown-Bethlehem-Easton | 4 |
| Montgomery County-Bucks County-Chester County | 3 |
| Newark | 3 |
| New York-Jersey City-White Plains | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 9845007O1D13CFQBBT22 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 814690 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566130 | 2016–2016 |
Established 1 January 1955. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: New Jersey Law and Public Safety Credit Union's data.
New Jersey Law and Public Safety Credit Union's data
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