Financial institutions are entities that provide various financial services to individuals, businesses, and governments. The file is a comprehensive dataset for the year 2022, specifically for the state of New Jersey, associated with the Abbott Laboratories Employees Credit Union. It contains detailed information on various loan activities, including loan types, dwelling categories, and applicant demographics like ethnicity, race, and income. The dataset includes key metrics such as the census tract, county code, loan limits, and reasons for loan denial. Additionally, it provides demographic and economic indicators of the areas where these activities took place, such as population, minority population percentage, median family income in the MSA/MD, income percentage relative to the MSA, and housing unit characteristics. This data is valuable for analyzing lending patterns, compliance with housing finance regulations, and understanding the real estate market in New Jersey.