Applications / Mortgage Analytics / Lenders / New Jersey / United Teletech Financial Federal Credit Union
Tinton Falls, NJ · Credit union · NCUA · $332 million assets · 119 loans in 2025
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119
loans originated, 2025
155
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Teletech Financial Federal Credit Union, of Tinton Falls, New Jersey, is a home-improvement lender: such loans made up 72.3% of its 119 loans in 2025.
Home improvement accounted for 72.3% of its loans and other purposes for 23.5%; purchases were 2.5% and refinances 1.7%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), smaller than more than four in five of them.
Higher-priced loans, those with a rate well above the average for similar loans, were 16.8% of its lending, against 2.8% at the typical peer. Its home-improvement and other-purpose loans, nearly all of its lending, may account for most of that gap. The share fell from 35.7% in 2024, and its typical rate of 6.50% was lower than peers' 6.75%.
Its loans rose 5% to 119, against 8% for the typical peer and 10% for the whole market. It made 226 in 2021.
It made 17.6% of its loans in neighborhoods where most residents belong to minority groups, against 9.5% at the typical peer, more than about two-thirds of similar credit unions. It lends in 7 metros, mostly in New Jersey, and has reported since 1995.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Teletech Financial Federal Credit Union took 155 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 72.3% · Other 23.5% · Purchase 2.5% · Refinance 1.7%
Conventional 100.0% · of 119 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 | 118 | 99.2% |
| New Mexico | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 107 |
| Trenton-Princeton | 4 |
| Allentown-Bethlehem-Easton | 2 |
| Camden | 2 |
| Newark | 2 |
| New York-Jersey City-White Plains | 1 |
| Santa Fe | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TR6SGFPJQYJS20 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 722281 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518195 | 1995–2017 |
Established 1 January 1967. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: United Teletech Financial Federal Credit Union's data.
United Teletech Financial Federal Credit Union's data
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United Teletech Financial 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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