The Mortgage Record
Lender report card · New Jersey

Visions Federal Credit Union

Endicott, NY · What the federal mortgage record shows about how Visions Federal Credit Union treated New Jersey applicants, 2018–2025 — 2,699 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
82.9%
2,238 approved
Denial rate
17.1%
461 denied
Decisions
2,699
2018–2025
Avg. rate spread
+0.08 pp
vs. market benchmark
82.9% approved
17.1% denied

Share of 2,699 New Jersey applications Visions Federal 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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

Conventional82.9% of 2,699 · NJ 87%

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

Approval rate over time

30%45%60%75%90%69%80%83%83%90%91%33%79%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Visions Federal Credit Union’s rates ran -0.14 pp lower than the typical New Jersey lender (average rate spread +0.08 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Visions Federal Credit Union approves

By income
Under $50k32.1% · 109$50–75k68.1% · 254$75–100k75.9% · 361$100–150k84.9% · 717$150–250k90.0% · 812$250k+93.1% · 434
By debt-to-income
Under 36%89.6% · 1,22136–43%88.2% · 67043–50%89.6% · 604Over 50%5.9% · 202
By down payment (LTV)
20%+ down95.6% · 1,69110–20% down86.7% · 3165–10% down84.9% · 139Under 3% down37.5% · 40

Why Visions Federal Credit Union denied applications

Debt-to-income ratio39% of denialsCredit history30% of denialsCollateral (value/type)20% of denialsOther18% of denialsMortgage insurance denied2% of denialsUnverifiable information1% of denials

Where Visions Federal Credit Union lends in NJ

CountyDecisionsApproval
Bergen County1,07484.4%
Morris County33484.7%
Passaic County27685.1%
Sussex County20672.3%
Essex County19479.9%
Hudson County18988.4%
Warren County11377.9%
Middlesex County10989.9%

Fees & closing costs

Median total loan costs
$5,394
home purchase
As % of loan
1.03%
NJ median 1.93%
Priced originations
952
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Visions Federal Credit Union’s home-purchase originations — 0.91 points lower than the 1.93% New Jersey median. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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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 Visions Federal Credit Union (LEI 549300TDVGWRELEO5F50). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →