The Mortgage Record
Lender report card · New Jersey

United Nations Federal Cu

Long Island City, NY · What the federal mortgage record shows about how United Nations Federal Cu treated New Jersey applicants, 2018–2025 — 1,411 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
88.4%
1,247 approved
Denial rate
11.6%
164 denied
Decisions
1,411
2018–2025
Avg. rate spread
-0.15 pp
vs. market benchmark
88.4% approved
11.6% denied

Share of 1,411 New Jersey applications United Nations 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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

Conventional88.4% of 1,410 · NJ 87%

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

Approval rate over time

75%80%85%90%95%88%79%85%91%91%88%89%93%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, United Nations Federal Cu’s rates ran -0.37 pp lower than the typical New Jersey lender (average rate spread -0.15 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who United Nations Federal Cu approves

By income
$50–75k76.5% · 51$75–100k83.2% · 107$100–150k88.4% · 267$150–250k89.7% · 552$250k+90.7% · 388
By debt-to-income
Under 36%91.9% · 77836–43%91.0% · 35443–50%90.1% · 222Over 50%16.4% · 55
By down payment (LTV)
20%+ down89.9% · 1,03410–20% down85.5% · 1735–10% down82.1% · 84

Why United Nations Federal Cu denied applications

Debt-to-income ratio29% of denialsUnverifiable information27% of denialsCollateral (value/type)26% of denialsInsufficient cash to close20% of denialsCredit history20% of denialsOther12% of denials

Where United Nations Federal Cu lends in NJ

CountyDecisionsApproval
Bergen County26687.6%
Hudson County26484.8%
Middlesex County20489.2%
Essex County16188.2%
Morris County8691.9%
Monmouth County7185.9%
Mercer County6693.9%
Somerset County6195.1%

Fees & closing costs

Median total loan costs
$5,233
home purchase
As % of loan
1.07%
NJ median 1.93%
Priced originations
832
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on United Nations Federal Cu’s home-purchase originations — 0.86 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $500. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare United Nations Federal Cu to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by United Nations Federal Cu (LEI 549300HCNXMTNGIMAR91). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →