Applications / Mortgage Analytics / Lenders / New Jersey / XCEL Federal Credit Union / Competition
XCEL Federal Credit Union
Bloomfield, NJ · Credit union · NCUA · $186 million assets · 50 loans in 2025
XCEL Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
50
loans originated, 2025
73
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Who XCEL Federal Credit Union competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — NEW YORK-NEWARK-JERSEY CITY, NY-NJ, 2025
XCEL Federal Credit Union ranks 513th of 802 lenders in New York-Newark-Jersey City, NY-NJ, with $4.9M lent: 0.0% of a $144.16B market.
New York-Newark-Jersey City, NY-NJ is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and XCEL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — ORLANDO-KISSIMMEE-SANFORD, FL, 2025
XCEL Federal Credit Union ranks 842nd of 854 lenders in Orlando-Kissimmee-Sanford, FL, with $85K lent: 0.0% of a $22.49B market.
Orlando-Kissimmee-Sanford, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and XCEL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — GAINESVILLE, FL, 2025
XCEL Federal Credit Union ranks 358th of 367 lenders in Gainesville, FL, with $75K lent: 0.0% of a $1.76B market.
Gainesville, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and XCEL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 36% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-DE-MD, 2025
XCEL Federal Credit Union ranks 773rd of 784 lenders in Philadelphia-Camden-Wilmington, PA-NJ-DE-MD, with $65K lent: 0.0% of a $39.87B market.
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and XCEL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 31% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — CHICAGO-NAPERVILLE-ELGIN, IL-IN, 2025
XCEL Federal Credit Union ranks 895th of 902 lenders in Chicago-Naperville-Elgin, IL-IN, with $55K lent: 0.0% of a $59.50B market.
Chicago-Naperville-Elgin, IL-IN is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and XCEL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — OCALA, FL, 2025
XCEL Federal Credit Union ranks 530th of 536 lenders in Ocala, FL, with $35K lent: 0.0% of a $2.98B market.
Ocala, FL is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and XCEL Federal Credit Union in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 38% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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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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