Greater Alliance Federal Credit Union in New Jersey vs the state
24.6%Denial rate+6.92 pts vs state
35.0%Decision denial rate+11.95 pts vs state
45.3%Origination rate-10.37 pts vs state
6.99%Median rate+0.24 pts vs state
0.31Rate spread (pts)+0.03 pts vs state
$132kMedian applicant income
116Loans originated
63Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 315 | 125 | 29.5% | 6.50% | #131 |
| 2024 | 298 | 131 | 22.8% | 6.99% | #149 |
| 2025 | 256 | 116 | 24.6% | 6.99% | #175 |
What Greater Alliance Federal 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 Greater Alliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 149 | 74 | 34 | 22.8% |
| Passaic County | 47 | 18 | 13 | 27.7% |
| Morris County | 13 | 9 | 2 | 15.4% |
| Essex County | 13 | 2 | 5 | 38.5% |
| Union County | 5 | 3 | 0 | 0.0% |
| Warren County | 5 | 1 | 3 | 60.0% |
| Ocean County | 5 | 2 | 1 | 20.0% |
| Middlesex County | 4 | 1 | 1 | 25.0% |
| Sussex County | 4 | 1 | 1 | 25.0% |
| Hudson County | 3 | 1 | 2 | 66.7% |
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: 256 applications in 2025, of which 116 were originated and 63 denied.
24.6% of all applications, or 35.0% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Greater Alliance Federal Credit Union originated in New Jersey in 2025 was 6.99%, against a statewide median of 6.75%.
About this data. Figures are Greater Alliance Federal 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