Irco Community Federal Credit Union in New Jersey vs the state
12.8%Denial rate-4.92 pts vs state
12.8%Decision denial rate-10.28 pts vs state
83.0%Origination rate+27.30 pts vs state
—Median rate
—Rate spread (pts)
$110kMedian applicant income
39Loans originated
6Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 34 | 27 | 14.7% | — | #377 |
| 2024 | 28 | 20 | 25.0% | — | #409 |
| 2025 | 47 | 39 | 12.8% | — | #367 |
What Irco Community Federal Credit Union lends in New Jersey
By loan purpose
By loan type
Where in New Jersey
Counties with the most Irco Community Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Warren County | 42 | 34 | 6 | 14.3% |
| Hunterdon County | 2 | 2 | 0 | 0.0% |
| Sussex County | 1 | 1 | 0 | 0.0% |
| Union County | 1 | 1 | 0 | 0.0% |
| Cape May 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: 47 applications in 2025, of which 39 were originated and 6 denied.
12.8% of all applications, or 12.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Irco Community 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