New Jersey Law and Public Safety CU Mortgage Lending & HMDA Data, 2023
In 2023, New Jersey Law and Public Safety CU of Trenton, NJ reported 92 mortgage applications totaling $8.2 million. The average application was for $89,130, and applicants reported an average income of $194,815. 91% of its applications resulted in an originated loan and 5% were denied. Its largest markets were New York-Newark, NY (34), Camden, NJ (22) and Newark, NJ-PA (11) (applications in parentheses).
| Mortgage Company & Address | New Jersey Law and Public Safety CU 225 E State St Trenton, NJ 08608 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 |
| Total Number of Mortgage Applications | 92 |
| Total Mortgage Loan Application Amount | $8,200,000 |
| Average Mortgage Loan Application Amount | $89,130 |
| Highest Mortgage Loan Application Amount | $205,000 |
| Average Applicant Income | $194,815 |
| Highest Applicant Income | $3,597,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records New Jersey Law and Public Safety CU filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Newark, NY | 34 | $ 3,330,000 | $ 97,941 | $ 283,000 |
| Camden, NJ | 22 | $ 1,750,000 | $ 79,545 | $ 162,000 |
| Newark, NJ-PA | 11 | $ 1,575,000 | $ 143,181 | $ 162,000 |
| Trenton, NJ | 11 | $ 525,000 | $ 47,727 | $ 95,000 |
| New York-Jersey City-White Plains, NY-NJ | 5 | $ 295,000 | $ 59,000 | $ 136,000 |
| Atlantic City-Hammonton, NJ | 4 | $ 240,000 | $ 60,000 | $ 121,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 325,000 | $ 108,333 | $ 84,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 1 | $ 85,000 | $ 85,000 | $ 240,000 |
| Ocean City, NJ | 1 | $ 75,000 | $ 75,000 | $ 253,000 |
Mortgage Loan Application Detail Totals for New Jersey Law and Public Safety CU in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 91 | $8,145,000 | $89,000 | $205,000 | $195,000 | $3,597,000 |
| Other Purpose | 1 | $55,000 | $55,000 | $55,000 | $178,000 | $178,000 |
| Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
| Home Purchase | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not Provided | 92 | $8,200,000 | $89,000 | $205,000 | $195,000 | $3,597,000 |
| White | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Hispanic | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 92 | $8,200,000 | $89,000 | $205,000 | $195,000 | $3,597,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 84 | $7,610,000 | $90,000 | $205,000 | $200,000 | $3,597,000 |
| Application Denied By Financial Institution | 5 | $345,000 | $69,000 | $155,000 | $96,000 | $193,000 |
| Application Withdrawn By Applicant | 3 | $245,000 | $81,000 | $105,000 | $206,000 | $446,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 87 | $7,855,000 | $90,000 | $205,000 | $201,000 | $3,597,000 |
| Credit History | 5 | $345,000 | $69,000 | $155,000 | $96,000 | $193,000 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into New Jersey Law and Public Safety CU's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess New Jersey Law and Public Safety CU's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.
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