The Mortgage Record
Lender report card · New Jersey

Trumark Financial Credit Union

Fort Washington, PA · What the federal mortgage record shows about how Trumark Financial Credit Union treated New Jersey applicants, 2018–2025 — 937 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
87.6%
821 approved
Denial rate
12.4%
116 denied
Decisions
937
2018–2025
Avg. rate spread
-0.04 pp
vs. market benchmark
87.6% approved
12.4% denied

Share of 937 New Jersey applications Trumark Financial 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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

Conventional87.8% of 935 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

79%82%85%88%91%88%88%90%89%87%88%83%90%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Trumark Financial Credit Union’s rates ran -0.26 pp lower than the typical New Jersey lender (average rate spread -0.04 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Trumark Financial Credit Union approves

By income
Under $50k48.0% · 25$50–75k71.2% · 59$75–100k85.2% · 81$100–150k91.5% · 176$150–250k89.8% · 322$250k+90.6% · 267
By debt-to-income
Under 36%91.5% · 49236–43%90.6% · 26543–50%89.0% · 146Over 50%3.0% · 33
By down payment (LTV)
20%+ down88.6% · 60510–20% down85.5% · 1525–10% down84.5% · 58

Why Trumark Financial Credit Union denied applications

Collateral (value/type)34% of denialsDebt-to-income ratio28% of denialsIncomplete application25% of denialsCredit history15% of denialsEmployment history3% of denialsOther3% of denials

Where Trumark Financial Credit Union lends in NJ

CountyDecisionsApproval
Cape May County23987.9%
Camden County15188.7%
Atlantic County13982.0%
Burlington County12192.6%
Gloucester County9184.6%
Ocean County4989.8%

Fees & closing costs

Median total loan costs
$5,396
home purchase
As % of loan
1.46%
NJ median 1.93%
Priced originations
464
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Trumark Financial Credit Union’s home-purchase originations — 0.48 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $252. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Trumark Financial Credit Union (LEI 54930062IKKOJW3K8L94). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →