Applications / Mortgage Analytics / Lenders / New Jersey / United Poles Federal Credit Union
Perth Amboy, NJ · Credit union · NCUA · $70.4 million assets · 56 loans in 2025
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56
loans originated, 2025
56
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Poles Federal Credit Union, a small New Jersey lender, grew faster than most similar credit unions in 2025 and lends more than they do to lower-income borrowers.
It made 56 loans, up 27% from 44, while similar lenders, credit unions making between half and twice as many loans, grew 7%. Its growth was faster than at about seven in ten of them. It first reported in 2004 but filed no report from 2018 to 2023, so there is little recent history to judge the trend by.
Home improvement made up 42.9% of its loans, purchases 32.1% and refinances 25.0%. All were conventional. Its typical loan, $105,000, was near the middle of its peers and down from $160,000 a year earlier.
Low- and moderate-income borrowers took 48.2% of its loans, against 30.9% at similar lenders, more than at nearly nine in ten of them. Some 21.4% of its loans went to majority-minority neighborhoods, against 9.6% at peers.
Its 56 loans were spread across 5 states and 6 metros. In 2025 it lent for the first time in Palm Bay-Melbourne-Titusville and Bridgeport-Stamford-Danbury, in both cases a tiny share. Its largest market is New York-Newark-Jersey City, where it ranked 438 of 802.
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, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. United Poles Federal Credit Union took 56 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 42.9% · Purchase 32.1% · Refinance 25.0%
Conventional 100.0% · of 56 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 | 48 | 85.7% |
| New York | 3 | 5.4% |
| Pennsylvania | 3 | 5.4% |
| Connecticut | 1 | 1.8% |
| Florida | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 30 |
| Newark | 18 |
| New York-Jersey City-White Plains | 3 |
| Bridgeport-Stamford-Danbury | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
| Palm Bay-Melbourne-Titusville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900BD5NFQPLWIEE89 | 2024–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 769183 | 2004–2006 |
| Respondent ID (the HMDA filer code before 2018) | 516577 | 2004–2007 |
Established 1 January 1965. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: United Poles Federal Credit Union's data.
United Poles Federal Credit Union's data
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United Poles 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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