The Atlantic Federal Credit Union
The Atlantic Federal Credit Union received 45 applications in 2025 and made 27 mortgages, in 9 counties across 1 state. The median rate its borrowers got was 6.990% on a median loan of $105,000. Of 41 decisions, 14 were denials — 34.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900P44XJB3CPZ4V05 |
|---|---|
| Applications received | 45 |
| Mortgages made | 27 |
| Denied | 14 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.836 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 |
|---|---|---|---|---|
| Refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 23 | 6.990% | $85,000 | 37.8% |
Where The Atlantic Federal Credit Union lends most
The 9 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Union County, NJ | 12 | 6.820% | 29.4% |
| Essex County, NJ | 7 | Under 10 loans | 36.4% |
| Bergen County, NJ | 3 | Under 10 loans | 0.0% |
| Middlesex County, NJ | 2 | Under 10 loans | 50.0% |
| Ocean County, NJ | 1 | Under 10 loans | 0.0% |
| Somerset County, NJ | 1 | Under 10 loans | 50.0% |
| Warren County, NJ | 1 | Under 10 loans | 0.0% |
| Morris County, NJ | 0 | Under 10 loans | 100.0% |
| Sussex County, NJ | 0 | Under 10 loans | 100.0% |
Get told when this changes
When The Atlantic Federal Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
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.