Credit Union Mortgage Association in New Jersey vs the state
3.8%Denial rate-13.92 pts vs state
7.7%Decision denial rate-15.36 pts vs state
43.4%Origination rate-12.28 pts vs state
5.50%Median rate-1.25 pts vs state
-0.70Rate spread (pts)-0.99 pts vs state
$216kMedian applicant income
23Loans originated
2Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 24 | 9.8% | 5.94% | #357 |
| 2024 | 34 | 20 | 5.9% | 6.19% | #387 |
| 2025 | 53 | 23 | 3.8% | 5.50% | #347 |
What Credit Union Mortgage Association lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Credit Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 15 | 8 | 1 | 6.7% |
| Hudson County | 9 | 4 | 0 | 0.0% |
| Essex County | 5 | 2 | 0 | 0.0% |
| Monmouth County | 5 | 0 | 0 | 0.0% |
| Somerset County | 4 | 4 | 0 | 0.0% |
| Morris County | 3 | 0 | 0 | 0.0% |
| Middlesex County | 2 | 1 | 0 | 0.0% |
| Ocean County | 2 | 1 | 0 | 0.0% |
| Mercer County | 2 | 0 | 0 | 0.0% |
| Burlington County | 1 | 1 | 0 | 0.0% |
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: 53 applications in 2025, of which 23 were originated and 2 denied.
3.8% of all applications, or 7.7% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Credit Union Mortgage Association originated in New Jersey in 2025 was 5.50%, against a statewide median of 6.75%.
About this data. Figures are Credit Union Mortgage Association'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