Credit Union of New Jersey, a Federal Credit Union in Pennsylvania vs the state
32.3%Denial rate+13.97 pts vs state
37.0%Decision denial rate+14.83 pts vs state
54.8%Origination rate-6.12 pts vs state
7.99%Median rate+1.37 pts vs state
1.70Rate spread (pts)+1.46 pts vs state
$93kMedian applicant income
17Loans originated
10Denied
Trend in Pennsylvania
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 9 | 40.0% | 6.24% | #647 |
| 2024 | 28 | 19 | 28.6% | 7.49% | #562 |
| 2025 | 31 | 17 | 32.3% | 7.99% | #547 |
What Credit Union of New Jersey, a Federal Credit Union lends in Pennsylvania
By loan purpose
By loan type
Why it denied Pennsylvania applicants
Where in Pennsylvania
Counties with the most Credit Union of New Jersey, a Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bucks County | 20 | 13 | 6 | 30.0% |
| Philadelphia County | 3 | 0 | 3 | 100.0% |
| Schuylkill County | 2 | 0 | 1 | 50.0% |
| Chester County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Blair County | 1 | 0 | 0 | 0.0% |
| Northampton County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
Other large lenders in Pennsylvania
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 22,411 | 18.6% | 6.75% |
| Citizens Bank | C | 18,256 | 28.1% | 7.65% |
| PNC Bank | D | 18,031 | 20.6% | 6.88% |
| United Shore Financial Services | B | 13,178 | 13.4% | 6.47% |
| Crosscountry Mortgage | B | 11,615 | 3.3% | 6.63% |
| Members 1st | B | 10,863 | 30.9% | 1.99% |
| First National Bank of Pennsylvania | B | 9,542 | 27.8% | 6.49% |
| Police & Fire | C | 8,460 | 34.6% | 6.25% |
| PENNSYLVANIA STATE EMPLOYEES Credit Union | C | 8,308 | 13.7% | 6.64% |
| Pennymac Loan Services | C | 7,900 | 12.6% | 6.50% |
Frequently asked questions
Pennsylvania: 31 applications in 2025, of which 17 were originated and 10 denied.
32.3% of all applications, or 37.0% of the applications it actually decided on. The Pennsylvania statewide average across all lenders was 18.3%.
The median rate on loans Credit Union of New Jersey, a Federal Credit Union originated in Pennsylvania in 2025 was 7.99%, against a statewide median of 6.63%.
About this data. Figures are Credit Union of New Jersey, a Federal Credit Union's own HMDA filing for properties located in Pennsylvania, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology