Citadel Federal Credit Union in New Jersey vs the state
23.8%Denial rate+6.12 pts vs state
31.7%Decision denial rate+8.64 pts vs state
49.2%Origination rate-6.47 pts vs state
4.49%Median rate-2.26 pts vs state
0.54Rate spread (pts)+0.26 pts vs state
$177kMedian applicant income
93Loans originated
45Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 149 | 70 | 32.2% | 4.99% | #204 |
| 2024 | 161 | 77 | 36.7% | 4.99% | #213 |
| 2025 | 189 | 93 | 23.8% | 4.49% | #204 |
What Citadel Federal Credit Union lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Citadel Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Cape May County | 35 | 19 | 4 | 11.4% |
| Gloucester County | 35 | 19 | 10 | 28.6% |
| Atlantic County | 26 | 16 | 7 | 26.9% |
| Camden County | 23 | 4 | 8 | 34.8% |
| Burlington County | 20 | 9 | 5 | 25.0% |
| Ocean County | 11 | 8 | 0 | 0.0% |
| Cumberland County | 7 | 4 | 1 | 14.3% |
| Mercer County | 4 | 2 | 1 | 25.0% |
| Monmouth County | 4 | 2 | 2 | 50.0% |
| Morris County | 4 | 1 | 2 | 50.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 189 applications in 2025, of which 93 were originated and 45 denied.
23.8% of all applications, or 31.7% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Citadel Federal Credit Union originated in New Jersey in 2025 was 4.49%, against a statewide median of 6.75%.
About this data. Figures are Citadel Federal Credit Union's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology