Applications / Mortgage Analytics / Lenders / New Jersey / Bay Atlantic Federal Credit Union
Vineland, NJ · Credit union · NCUA · $94.7 million assets · 19 loans in 2025
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19
loans originated, 2025
19
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bay Atlantic Federal Credit Union, a $94.7 million credit union in Vineland, New Jersey, made no loans to buy or refinance a home in 2025: all 19 of its 2025 loans were for home improvement or other purposes.
Other purposes took 52.6% of its loans and home improvement 47.4%. It made no loans to buy or refinance a home. Its typical loan, $65,000, was smaller than the $105,000 at similar lenders, credit unions making between half and twice as many loans, which fits loans for repairs rather than for buying a house.
Its 19 loans were down from 24 in 2024; similar lenders made 25 at the middle and fell 5%. It filed no reports from 2020 to 2023. Those are gaps in the record, not years without lending, and it made 15 loans in each of 2018 and 2019, so its scale has changed little.
Vineland, NJ, where it has reported since 1995, is its main market. It ranked 98 of 233 lenders there, and its share slipped to 0.2% from 0.3%, a small move on so few loans. Wells Fargo Bank and Nation One Mortgage led the market. With 19 loans, its shares of lending by borrower income or neighborhood are too small to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bay Atlantic Federal Credit Union took 19 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 52.6% · Home improvement 47.4%
Conventional 100.0% · of 19 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 | 19 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Vineland | 13 |
| Camden | 3 |
| Wilmington | 2 |
| Atlantic City-Hammonton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930020CYU37Y05PR58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 677073 | 2010–2019 |
| Respondent ID (the HMDA filer code before 2018) | 53541 | 1995–2017 |
Established 1 January 1939. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Bay Atlantic Federal Credit Union's data.
Bay Atlantic Federal Credit Union's data
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Bay Atlantic 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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