The Atlantic Federal Credit Union
Kenilworth, NJ · What the federal mortgage record shows about how The Atlantic Federal Credit Union treated New Jersey applicants, 2018–2025 — 241 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 241 New Jersey applications The Atlantic 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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, The Atlantic Federal Credit Union’s rates ran +0.19 pp higher than the typical New Jersey lender (average rate spread +0.42 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who The Atlantic Federal Credit Union approves
Why The Atlantic Federal Credit Union denied applications
Where The Atlantic Federal Credit Union lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Union County | 75 | 69.3% |
| Essex County | 55 | 60.0% |
| Middlesex County | 26 | 73.1% |
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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 The Atlantic Federal Credit Union (LEI 254900P44XJB3CPZ4V05). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →