Sun East Federal Credit Union in New Jersey vs the state
23.5%Denial rate+5.84 pts vs state
29.6%Decision denial rate+6.58 pts vs state
54.4%Origination rate-1.27 pts vs state
5.88%Median rate-0.88 pts vs state
-2.12Rate spread (pts)-2.40 pts vs state
$133kMedian applicant income
37Loans originated
16Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 67 | 44 | 23.9% | 6.50% | #294 |
| 2024 | 67 | 30 | 34.3% | 6.46% | #312 |
| 2025 | 68 | 37 | 23.5% | 5.88% | #316 |
What Sun East 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 Sun East Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Gloucester County | 22 | 14 | 2 | 9.1% |
| Camden County | 12 | 8 | 3 | 25.0% |
| Salem County | 7 | 2 | 3 | 42.9% |
| Burlington County | 5 | 3 | 2 | 40.0% |
| Cape May County | 5 | 4 | 1 | 20.0% |
| Atlantic County | 4 | 0 | 2 | 50.0% |
| Monmouth County | 3 | 3 | 0 | 0.0% |
| Ocean County | 2 | 0 | 1 | 50.0% |
| Essex County | 2 | 1 | 0 | 0.0% |
| Morris 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: 68 applications in 2025, of which 37 were originated and 16 denied.
23.5% of all applications, or 29.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Sun East Federal Credit Union originated in New Jersey in 2025 was 5.88%, against a statewide median of 6.75%.
About this data. Figures are Sun East 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