United Nations Federal Credit Union in New Jersey vs the state
6.5%Denial rate-11.17 pts vs state
8.3%Decision denial rate-14.75 pts vs state
72.1%Origination rate+16.37 pts vs state
5.75%Median rate-1.00 pts vs state
-0.25Rate spread (pts)-0.53 pts vs state
$244kMedian applicant income
232Loans originated
21Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 220 | 165 | 10.9% | 5.50% | #171 |
| 2024 | 271 | 187 | 8.5% | 5.88% | #159 |
| 2025 | 322 | 232 | 6.5% | 5.75% | #158 |
What United Nations 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 United Nations Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 66 | 44 | 5 | 7.6% |
| Hudson County | 53 | 33 | 8 | 15.1% |
| Essex County | 40 | 27 | 3 | 7.5% |
| Mercer County | 30 | 26 | 0 | 0.0% |
| Bergen County | 26 | 18 | 1 | 3.8% |
| Somerset County | 25 | 22 | 0 | 0.0% |
| Morris County | 20 | 14 | 0 | 0.0% |
| Union County | 16 | 7 | 2 | 12.5% |
| Monmouth County | 11 | 9 | 0 | 0.0% |
| Burlington County | 7 | 6 | 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: 322 applications in 2025, of which 232 were originated and 21 denied.
6.5% of all applications, or 8.3% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans United Nations Federal Credit Union originated in New Jersey in 2025 was 5.75%, against a statewide median of 6.75%.
About this data. Figures are United Nations 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