Applications / Mortgage Analytics / Lenders / New Jersey / Riegel Federal Credit Union
Milford, NJ · Credit union · NCUA · $166 million assets · 72 loans in 2025
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72
loans originated, 2025
91
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Riegel Federal Credit Union, a small New Jersey credit union, is mostly a home-improvement lender, and its lending grew faster in 2025 than at four in five similar lenders.
Half its 72 loans in 2025 were for home improvement and another 31.9% for other purposes. Purchases were only 6.9%. That makes its typical loan small, $75,000 against $95,000 at similar lenders (credit unions making between half and twice as many loans).
Its loans rose 36% in 2025, from 53 to 72, while similar lenders grew 7% and the whole market 10%. That is more growth than about four in five of its peers. The longer trend points the same way: it made 35 loans in 2018.
None of its 2025 loans was higher-priced (a rate well above the average for similar loans), against 3.3% at the typical similar lender. Its typical rate was 7.00%, close to the 6.75% of its peers.
It lends in five counties across two states and is a minor player in each market: it ranks 469 of 802 lenders around New York and 318 of 521 around Allentown, which it entered in 2022. Some 30.6% of its loans went to low- and moderate-income borrowers, about the same as similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Riegel Federal Credit Union took 91 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 50.0% · Other 31.9% · Refinance 11.1% · Purchase 6.9%
Conventional 100.0% · of 72 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 | 63 | 87.5% |
| Pennsylvania | 9 | 12.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Newark | 54 |
| Allentown-Bethlehem-Easton | 11 |
| Montgomery County-Bucks County-Chester County | 6 |
| Lakewood-New Brunswick | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HOPKX8O1S8MJ63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 385882 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513944 | 1991–2017 |
Established 1 January 1960. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Riegel Federal Credit Union's data.
Riegel Federal Credit Union's data
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Riegel 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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