Alliant Credit Union in New York vs the state
56.8%Denial rate+37.08 pts vs state
63.3%Decision denial rate+39.28 pts vs state
30.8%Origination rate-28.84 pts vs state
6.50%Median rate-0.13 pts vs state
-0.13Rate spread (pts)-0.34 pts vs state
$170kMedian applicant income
99Loans originated
183Denied
Trend in New York
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 211 | 46 | 72.5% | 9.50% | #194 |
| 2024 | 270 | 82 | 53.3% | 5.94% | #175 |
| 2025 | 322 | 99 | 56.8% | 6.50% | #171 |
What Alliant Credit Union lends in New York
By loan purpose
By loan type
Why it denied New York applicants
Where in New York
Counties with the most Alliant Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 49 | 15 | 30 | 61.2% |
| Queens County | 34 | 6 | 25 | 73.5% |
| Nassau County | 31 | 10 | 18 | 58.1% |
| Westchester County | 22 | 9 | 9 | 40.9% |
| Erie County | 20 | 7 | 12 | 60.0% |
| Kings County | 19 | 5 | 12 | 63.2% |
| Monroe County | 16 | 4 | 9 | 56.3% |
| New York County | 15 | 2 | 9 | 60.0% |
| Richmond County | 15 | 5 | 9 | 60.0% |
| Dutchess County | 14 | 3 | 9 | 64.3% |
Other large lenders in New York
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 20,315 | 32.7% | 7.97% |
| Rocket Mortgage | C | 19,924 | 22.0% | 6.88% |
| United Shore Financial Services | B | 14,777 | 11.2% | 6.50% |
| JPMorgan Chase Bank | B | 14,735 | 11.7% | 6.38% |
| Manufacturers and Traders Trust | C | 12,335 | 31.3% | 5.99% |
| Bank of America | F | 10,193 | 35.7% | 5.99% |
| Bethpage Federal Credit Union | C | 9,736 | 47.2% | 6.49% |
| TD Bank | D | 9,239 | 30.2% | 7.69% |
| Newrez | D | 8,654 | 24.2% | 6.75% |
| ESL Federal Credit Union | B | 7,817 | 17.6% | 4.50% |
Frequently asked questions
New York: 322 applications in 2025, of which 99 were originated and 183 denied.
56.8% of all applications, or 63.3% of the applications it actually decided on. The New York statewide average across all lenders was 19.8%.
The median rate on loans Alliant Credit Union originated in New York in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Alliant Credit Union's own HMDA filing for properties located in New York, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology