The Mortgage Record
Lender report card · New Jersey

United Teletech Financial Federal Credit Union

Tinton Falls, NJ · What the federal mortgage record shows about how United Teletech Financial Federal Credit Union treated New Jersey applicants, 2018–2025 — 728 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
76.5%
557 approved
Denial rate
23.5%
171 denied
Decisions
728
2018–2025
Avg. rate spread
+0.62 pp
vs. market benchmark
76.5% approved
23.5% denied

Share of 728 New Jersey applications United Teletech Financial 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 Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.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

Conventional76.5% of 728 · NJ 87%

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

Approval rate over time

57%67%77%87%97%100%86%88%88%87%61%70%77%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, United Teletech Financial Federal Credit Union’s rates ran +0.39 pp higher than the typical New Jersey lender (average rate spread +0.62 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who United Teletech Financial Federal Credit Union approves

By income
Under $50k52.4% · 42$50–75k60.5% · 76$75–100k80.2% · 111$100–150k77.7% · 197$150–250k82.4% · 210$250k+80.4% · 92
By debt-to-income
Under 36%87.5% · 27936–43%84.5% · 20743–50%73.3% · 135Over 50%37.5% · 104
By down payment (LTV)
20%+ down78.8% · 64210–20% down59.3% · 27

Why United Teletech Financial Federal Credit Union denied applications

Other65% of denialsDebt-to-income ratio27% of denialsCredit history8% of denialsCollateral (value/type)5% of denialsIncomplete application1% of denialsEmployment history1% of denials

Where United Teletech Financial Federal Credit Union lends in NJ

CountyDecisionsApproval
Monmouth County39877.9%
Ocean County14672.6%
Middlesex County10575.2%

Compare United Teletech Financial Federal Credit Union to other lenders for your profile

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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 United Teletech Financial Federal Credit Union (LEI 549300TR6SGFPJQYJS20). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →