Lender report card · New Jersey

Edifi Credit Union

Rancocas, NJ · What the federal mortgage record shows about how Edifi Credit Union treated New Jersey applicants, 2018–2025 — 486 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
65.0%
316 approved
Denial rate
35.0%
170 denied
Decisions
486
2018–2025
Avg. rate spread
not enough priced loans
65.0% approved
35.0% denied

Share of 486 New Jersey applications Edifi Credit Union approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional65.0% of 486 · NJ 87%

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

Approval rate over time

52%60%68%76%84%56%72%60%55%70%85%67%67%20182019202020212022202320242025

Who Edifi Credit Union approves

By income
Under $50k41.5% · 123$50–75k63.3% · 109$75–100k67.0% · 94$100–150k83.8% · 99$150–250k86.3% · 51
By debt-to-income
Under 36%86.0% · 28536–43%76.6% · 6443–50%57.6% · 33Over 50%9.4% · 32
By down payment (LTV)
20%+ down96.4% · 165

Why Edifi Credit Union denied applications

Credit history45% of denialsDebt-to-income ratio35% of denialsOther22% of denialsCollateral (value/type)19% of denialsIncomplete application9% of denialsEmployment history1% of denials

Where Edifi Credit Union lends in NJ

CountyDecisionsApproval
Burlington County19267.7%
Atlantic County10655.7%
Gloucester County9472.3%
Camden County5156.9%

Compare Edifi Credit Union 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 Edifi Credit Union (LEI 549300CGVVMPTCK0QG77). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →