JUSTICE Federal Credit Union in New Jersey vs the state
12.1%Denial rate-5.57 pts vs state
14.8%Decision denial rate-8.24 pts vs state
60.6%Origination rate+4.93 pts vs state
7.38%Median rate+0.63 pts vs state
0.14Rate spread (pts)-0.14 pts vs state
$189kMedian applicant income
20Loans originated
4Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 18 | 6.1% | 8.25% | #389 |
| 2024 | 29 | 16 | 10.3% | 8.88% | #402 |
| 2025 | 33 | 20 | 12.1% | 7.38% | #393 |
What JUSTICE 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 JUSTICE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 5 | 4 | 0 | 0.0% |
| Burlington County | 4 | 3 | 0 | 0.0% |
| Middlesex County | 4 | 2 | 1 | 25.0% |
| Passaic County | 3 | 2 | 1 | 33.3% |
| Monmouth County | 3 | 2 | 0 | 0.0% |
| Camden County | 3 | 1 | 0 | 0.0% |
| Atlantic County | 2 | 0 | 1 | 50.0% |
| Hudson County | 2 | 2 | 0 | 0.0% |
| Hunterdon County | 2 | 0 | 1 | 50.0% |
| Gloucester 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: 33 applications in 2025, of which 20 were originated and 4 denied.
12.1% of all applications, or 14.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans JUSTICE Federal Credit Union originated in New Jersey in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are JUSTICE 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