First Alliance Home Mortgage in New Jersey vs the state
5.3%Denial rate-12.42 pts vs state
7.9%Decision denial rate-15.17 pts vs state
61.6%Origination rate+5.93 pts vs state
6.63%Median rate-0.13 pts vs state
0.44Rate spread (pts)+0.16 pts vs state
$136kMedian applicant income
374Loans originated
32Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 304 | 159 | 7.9% | 6.75% | #134 |
| 2024 | 441 | 269 | 5.9% | 6.88% | #112 |
| 2025 | 607 | 374 | 5.3% | 6.63% | #98 |
What First Alliance Home Mortgage lends in New Jersey
By loan purpose
By loan type
Why it denied New Jersey applicants
Where in New Jersey
Counties with the most First Alliance Home Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ocean County | 95 | 70 | 2 | 2.1% |
| Hudson County | 66 | 41 | 2 | 3.0% |
| Middlesex County | 56 | 29 | 4 | 7.1% |
| Essex County | 54 | 27 | 5 | 9.3% |
| Bergen County | 48 | 30 | 3 | 6.3% |
| Cape May County | 46 | 35 | 0 | 0.0% |
| Union County | 45 | 30 | 3 | 6.7% |
| Passaic County | 35 | 18 | 4 | 11.4% |
| Atlantic County | 26 | 16 | 0 | 0.0% |
| Burlington County | 20 | 14 | 0 | 0.0% |
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: 607 applications in 2025, of which 374 were originated and 32 denied.
5.3% of all applications, or 7.9% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans First Alliance Home Mortgage originated in New Jersey in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are First Alliance Home Mortgage'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