PICATINNY FEDERAL CREDIT UNION
PICATINNY FEDERAL CREDIT UNION received 484 applications in 2025 and made 294 mortgages, in 21 counties across 5 states. The median rate its borrowers got was 3.990% on a median loan of $105,000. Of 399 decisions, 95 were denials — 23.8%, most often for debt-to-income ratio. 2 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300YYJWBT2GH5DS80 |
|---|---|
| Applications received | 484 |
| Mortgages made | 294 |
| Denied | 95 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 85 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -3.12 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 | 23 | 6.375% | $305,000 | 23.3% |
| Refinancing | 19 | 3.990% | $195,000 | 24.0% |
| Cash-out refinancing | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 243 | 3.990% | $95,000 | 24.5% |
Where PICATINNY FEDERAL CREDIT UNION lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Morris County, NJ | 162 | 3.990% | 26.2% |
| Sussex County, NJ | 64 | 3.990% | 15.6% |
| Warren County, NJ | 23 | 3.990% | 8.0% |
| Essex County, NJ | 10 | 3.990% | 15.4% |
| Passaic County, NJ | 7 | Under 10 loans | 20.0% |
| Somerset County, NJ | 6 | Under 10 loans | 50.0% |
| Bergen County, NJ | 5 | Under 10 loans | 0.0% |
| Union County, NJ | 4 | Under 10 loans | 20.0% |
| Monroe County, PA | 3 | Under 10 loans | 40.0% |
| Hunterdon County, NJ | 2 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 2 | Under 10 loans | 33.3% |
| Flagler County, FL | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 1 | Under 10 loans | 0.0% |
| Carbon County, PA | 1 | Under 10 loans | 0.0% |
| Northampton County, PA | 1 | Under 10 loans | 0.0% |
| Pike County, PA | 1 | Under 10 loans | 0.0% |
| Sullivan County, PA | 1 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Hudson County, NJ | 0 | Under 10 loans | 100.0% |
| Monmouth County, NJ | 0 | Under 10 loans | 100.0% |
| Currituck County, NC | 0 | Under 10 loans | 100.0% |
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When PICATINNY FEDERAL CREDIT UNION’s figures are published for the next year, or restated.
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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.