Visions Federal Credit Union in New Jersey vs the state
26.1%Denial rate+8.40 pts vs state
31.8%Decision denial rate+8.75 pts vs state
53.5%Origination rate-2.14 pts vs state
7.25%Median rate+0.50 pts vs state
0.04Rate spread (pts)-0.24 pts vs state
$162kMedian applicant income
825Loans originated
402Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,506 | 810 | 20.1% | 6.50% | #41 |
| 2024 | 1,238 | 614 | 29.0% | 8.25% | #50 |
| 2025 | 1,541 | 825 | 26.1% | 7.25% | #47 |
What Visions 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 Visions Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 621 | 331 | 154 | 24.8% |
| Morris County | 234 | 135 | 47 | 20.1% |
| Passaic County | 192 | 92 | 68 | 35.4% |
| Sussex County | 126 | 81 | 25 | 19.8% |
| Warren County | 104 | 50 | 34 | 32.7% |
| Essex County | 83 | 45 | 24 | 28.9% |
| Hudson County | 56 | 27 | 14 | 25.0% |
| Middlesex County | 33 | 23 | 2 | 6.1% |
| Union County | 26 | 11 | 13 | 50.0% |
| Somerset County | 22 | 12 | 4 | 18.2% |
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: 1,541 applications in 2025, of which 825 were originated and 402 denied.
26.1% of all applications, or 31.8% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Visions Federal Credit Union originated in New Jersey in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Visions 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