FIRST ATLANTIC FEDERAL CREDIT UNION
FIRST ATLANTIC FEDERAL CREDIT UNION received 337 applications in 2025 and made 209 mortgages, in 30 counties across 8 states. The median rate its borrowers got was 6.000% on a median loan of $115,000. Of 283 decisions, 64 were denials — 22.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300GMXZWXNOS1US34 |
|---|---|
| Applications received | 337 |
| Mortgages made | 209 |
| Denied | 64 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 54 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.004 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 11 | 6.500% | $385,000 | 15.4% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 190 | 5.990% | $105,000 | 23.7% |
Where FIRST ATLANTIC FEDERAL CREDIT UNION lends most
The 30 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Monmouth County, NJ | 106 | 5.990% | 22.0% |
| Ocean County, NJ | 72 | 6.000% | 21.1% |
| Middlesex County, NJ | 5 | Under 10 loans | 16.7% |
| Gloucester County, NJ | 3 | Under 10 loans | 0.0% |
| St. Lucie County, FL | 2 | Under 10 loans | 0.0% |
| Bryan County, GA | 2 | Under 10 loans | 0.0% |
| Bergen County, NJ | 2 | Under 10 loans | 50.0% |
| Burlington County, NJ | 2 | Under 10 loans | 0.0% |
| Essex County, NJ | 2 | Under 10 loans | 60.0% |
| Philadelphia County, PA | 2 | Under 10 loans | 0.0% |
| New Castle County, DE | 1 | Under 10 loans | 0.0% |
| Sussex County, DE | 1 | Under 10 loans | 0.0% |
| Lincoln County, ME | 1 | Under 10 loans | 0.0% |
| Camden County, NJ | 1 | Under 10 loans | 0.0% |
| Hunterdon County, NJ | 1 | Under 10 loans | 0.0% |
| Passaic County, NJ | 1 | Under 10 loans | 0.0% |
| Kings County, NY | 1 | Under 10 loans | 0.0% |
| Queens County, NY | 1 | Under 10 loans | 0.0% |
| Lancaster County, PA | 1 | Under 10 loans | 0.0% |
| Montgomery County, PA | 1 | Under 10 loans | 50.0% |
| Beaufort County, SC | 1 | Under 10 loans | 50.0% |
| Piscataquis County, ME | 0 | Under 10 loans | Not published |
| Atlantic County, NJ | 0 | Under 10 loans | 100.0% |
| Cape May County, NJ | 0 | Under 10 loans | Not published |
| Morris County, NJ | 0 | Under 10 loans | Not published |
| Sussex County, NJ | 0 | Under 10 loans | 100.0% |
| Union County, NJ | 0 | Under 10 loans | Not published |
| Nassau County, NY | 0 | Under 10 loans | 100.0% |
| Suffolk County, NY | 0 | Under 10 loans | 0.0% |
| Northampton County, PA | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.