A steady trickle
The credit union made 20 loans in 2025, 25 in 2024 and 24 in 2020. Its annual count has stayed between 17 and 34 since 2018. The 20% fall in 2025 is a matter of a few loans, too few to signal a change of course.
Applications / Mortgage Analytics / Lenders / New Jersey / Rutgers Federal Credit Union
Rutgers Federal Credit Union
New Brunswick, NJ · Credit union · NCUA · $78.9 million assets · 20 loans in 2025
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20
loans originated, 2025
20
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rutgers Federal Credit Union is a small New Jersey lender that has reported since 1998 and makes about 20 home loans a year; in 2025 all of them were for purposes other than buying, refinancing or improving a home.
An unusual product
Every loan it reported in 2025 fell in the other-purpose category, with none for home purchase or refinance. All were conventional. Its typical loan, $100,000, was near the $105,000 at similar lenders, meaning credit unions making between half and twice as many loans.
Close to home
All of its lending is in New Jersey, across 7 counties and 3 metros. It ranks 357 of 365 lenders in Trenton-Princeton, one of its two largest markets, which shows how small a part of local lending it is.
Too few loans to read further
With 20 loans a year, shares going to poorer neighborhoods or to majority-minority areas rest on a handful of borrowers each. They move sharply from year to year and are too small a base to judge the credit union's reach.
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
20 loans in 2025, against a peak of 34 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rutgers Federal Credit Union took 20 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
All of its 2025 loans were other loans; all were conventional loans.
Other 100.0%
Conventional 100.0% · of 20 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
1 state, 3 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| New Jersey | 20 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 17 |
| Newark | 2 |
| Trenton-Princeton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300C1SBZVJTL6WB07 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 123084 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59237 | 1998–2017 |
Established 1 January 1954. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Rutgers Federal Credit Union's data.
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