Advancial Credit Union in New Jersey vs the state
16.0%Denial rate-1.69 pts vs state
19.1%Decision denial rate-4.00 pts vs state
68.0%Origination rate+12.32 pts vs state
7.25%Median rate+0.50 pts vs state
1.21Rate spread (pts)+0.93 pts vs state
$148kMedian applicant income
17Loans originated
4Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 22 | 3.7% | 8.44% | #409 |
| 2024 | 27 | 21 | 7.4% | 7.38% | #416 |
| 2025 | 25 | 17 | 16.0% | 7.25% | #422 |
What Advancial Credit Union lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most Advancial Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 11 | 9 | 2 | 18.2% |
| Mercer County | 2 | 2 | 0 | 0.0% |
| Ocean County | 2 | 2 | 0 | 0.0% |
| Morris County | 2 | 1 | 0 | 0.0% |
| Essex County | 2 | 1 | 0 | 0.0% |
| Cape May County | 1 | 1 | 0 | 0.0% |
| Somerset County | 1 | 0 | 0 | 0.0% |
| Middlesex County | 1 | 0 | 0 | 0.0% |
| Monmouth County | 1 | 1 | 0 | 0.0% |
| Hudson County | 1 | 0 | 1 | 100.0% |
Other large lenders in New Jersey
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 16,339 | 16.1% | 6.75% |
| TD Bank | D | 12,532 | 26.2% | 7.49% |
| Bank of America | F | 12,142 | 30.6% | 6.00% |
| Citizens Bank | C | 12,113 | 28.9% | 7.40% |
| Crosscountry Mortgage | B | 12,042 | 5.3% | 6.75% |
| PNC Bank | D | 10,815 | 27.8% | 7.75% |
| United Shore Financial Services | B | 10,552 | 15.3% | 6.38% |
| Guaranteed Rate | B | 8,643 | 5.5% | 6.58% |
| Newrez | D | 6,535 | 22.5% | 6.99% |
| Loandepot.Com | D | 6,491 | 15.3% | 6.63% |
Frequently asked questions
New Jersey: 25 applications in 2025, of which 17 were originated and 4 denied.
16.0% of all applications, or 19.1% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Advancial Credit Union originated in New Jersey in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Advancial Credit Union's own HMDA filing for properties located in New Jersey, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology