Alliant Credit Union in New Jersey vs the state
36.4%Denial rate+18.69 pts vs state
41.0%Decision denial rate+17.92 pts vs state
52.2%Origination rate-3.44 pts vs state
7.75%Median rate+1.00 pts vs state
0.39Rate spread (pts)+0.11 pts vs state
$174kMedian applicant income
280Loans originated
195Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 399 | 146 | 52.4% | 9.74% | #111 |
| 2024 | 406 | 184 | 41.6% | 8.75% | #118 |
| 2025 | 536 | 280 | 36.4% | 7.75% | #111 |
What Alliant 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 Alliant Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 70 | 42 | 23 | 32.9% |
| Middlesex County | 54 | 28 | 22 | 40.7% |
| Essex County | 51 | 17 | 28 | 54.9% |
| Union County | 41 | 20 | 15 | 36.6% |
| Monmouth County | 40 | 24 | 11 | 27.5% |
| Hudson County | 37 | 17 | 17 | 45.9% |
| Morris County | 30 | 20 | 6 | 20.0% |
| Ocean County | 29 | 17 | 10 | 34.5% |
| Camden County | 25 | 11 | 7 | 28.0% |
| Passaic County | 24 | 16 | 6 | 25.0% |
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: 536 applications in 2025, of which 280 were originated and 195 denied.
36.4% of all applications, or 41.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Alliant Credit Union originated in New Jersey in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Alliant 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