Fourleaf Federal Credit Union
Bethpage, NY · What the federal mortgage record shows about how Fourleaf Federal Credit Union treated New Jersey applicants, 2018–2025 — 1,007 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 1,007 New Jersey applications Fourleaf 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Fourleaf Federal Credit Union’s rates ran -0.32 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 Fourleaf Federal Credit Union approves
Why Fourleaf Federal Credit Union denied applications
Where Fourleaf Federal Credit Union lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Bergen County | 195 | 93.3% |
| Monmouth County | 157 | 87.9% |
| Hudson County | 114 | 86.8% |
| Essex County | 84 | 82.1% |
| Morris County | 80 | 87.5% |
| Ocean County | 80 | 91.2% |
| Middlesex County | 55 | 85.5% |
| Union County | 50 | 94.0% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Fourleaf Federal Credit Union’s home-purchase originations — 0.64 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $337. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Consumer complaints
Complaints New Jersey mortgage customers filed against Fourleaf Federal Credit Union with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Trouble during payment process. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.
Compare Fourleaf Federal Credit Union to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Fourleaf Federal Credit Union (LEI 549300KTR1JGH3K6LU06). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →