Applications / Mortgage Analytics / Lenders / New Jersey / Healthcare Employees Federal Credit Union
Princeton, NJ · Credit union · NCUA · $131 million assets · 107 loans in 2025
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107
loans originated, 2025
109
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Healthcare Employees Federal Credit Union is a New Jersey credit union that lends mainly for home improvement, the purpose of 57.0% of its 107 loans in 2025.
Home improvement accounted for 57.0% of its loans, other purposes 29.9% and refinances 12.1%; it made almost no purchase loans. Its typical loan, $65,000, was smaller than at about five in six similar lenders (credit unions making between half and twice as many loans), where it was $105,000.
Its typical rate was 5.74%, against 6.75% at similar lenders, lower than at about nineteen in twenty of them. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.2% at peers.
Its loans rose 7%, to 107, in line with the 8% at similar lenders. It filed no report for 2020 and 2021, and it made 39 loans in 2022 before jumping to 105 in 2023.
Some 28.0% of its loans went to majority-minority neighborhoods, against 9.7% at similar lenders, higher than at three in four. Its share of low- and moderate-income borrowers, 21.5%, was lower than at three in four. Most of its loans pay for home improvement, which goes to people who already own homes and may earn more than first-time buyers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Healthcare Employees Federal Credit Union took 109 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 57.0% · Other 29.9% · Refinance 12.1% · Purchase 0.9%
Conventional 100.0% · of 107 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 | 99 | 92.5% |
| Pennsylvania | 7 | 6.5% |
| Maryland | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lakewood-New Brunswick | 37 |
| Camden | 27 |
| Newark | 16 |
| New York-Jersey City-White Plains | 9 |
| Montgomery County-Bucks County-Chester County | 7 |
| Trenton-Princeton | 6 |
| Vineland | 2 |
| Wilmington | 2 |
| Atlantic City-Hammonton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VW4CUMQW09U139 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 527196 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524150 | 1990–2017 |
Established 1 January 1984. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Healthcare Employees Federal Credit Union's data.
Healthcare Employees Federal Credit Union's data
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Healthcare Employees 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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