Lender report card · New Jersey

Sharonview Federal Cu

Indian Land, SC · What the federal mortgage record shows about how Sharonview Federal Cu treated New Jersey applicants, 2018–2025 — 284 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
86.6%
246 approved
Denial rate
13.4%
38 denied
Decisions
284
2018–2025
Avg. rate spread
+0.14 pp
vs. market benchmark
86.6% approved
13.4% denied

Share of 284 New Jersey applications Sharonview Federal Cu approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional86.6% of 284 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

74%80%86%92%98%78%91%86%88%92%100%201820192020202120222023

Pricing

Adjusting for its loan-type mix, Sharonview Federal Cu’s rates ran -0.09 pp lower than the typical New Jersey lender (average rate spread +0.14 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Sharonview Federal Cu approves

By income
$75–100k81.5% · 27$100–150k89.5% · 76$150–250k92.4% · 92$250k+90.7% · 54
By debt-to-income
Under 36%90.7% · 14036–43%93.1% · 7243–50%88.7% · 53
By down payment (LTV)
20%+ down87.7% · 204

Why Sharonview Federal Cu denied applications

Debt-to-income ratio45% of denialsCredit history26% of denialsCollateral (value/type)16% of denialsIncomplete application13% of denialsInsufficient cash to close11% of denialsUnverifiable information8% of denials

Where Sharonview Federal Cu lends in NJ

CountyDecisionsApproval
Somerset County7887.2%
Middlesex County3488.2%
Hunterdon County2993.1%
Morris County25100.0%

Compare Sharonview Federal Cu to other lenders for your profile

Enter your income, county, DTI and down payment to see who approves borrowers like you.

Open the approval tool →

Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Sharonview Federal Cu (LEI 549300KRHOMDHAKS8L29). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →