Usalliance Federal Credit Union in New Jersey vs the state
11.8%Denial rate-5.90 pts vs state
13.6%Decision denial rate-9.48 pts vs state
74.2%Origination rate+18.56 pts vs state
7.88%Median rate+1.13 pts vs state
0.82Rate spread (pts)+0.54 pts vs state
$265kMedian applicant income
170Loans originated
27Denied
Trend in New Jersey
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 227 | 127 | 15.9% | 9.00% | #167 |
| 2024 | 175 | 105 | 18.3% | 9.25% | #206 |
| 2025 | 229 | 170 | 11.8% | 7.88% | #187 |
What Usalliance 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 Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bergen County | 46 | 34 | 8 | 17.4% |
| Middlesex County | 22 | 16 | 3 | 13.6% |
| Essex County | 21 | 17 | 4 | 19.0% |
| Monmouth County | 21 | 16 | 1 | 4.8% |
| Morris County | 20 | 18 | 1 | 5.0% |
| Union County | 18 | 16 | 1 | 5.6% |
| Hudson County | 13 | 9 | 1 | 7.7% |
| Passaic County | 13 | 9 | 2 | 15.4% |
| Camden County | 9 | 7 | 0 | 0.0% |
| Somerset County | 9 | 4 | 1 | 11.1% |
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: 229 applications in 2025, of which 170 were originated and 27 denied.
11.8% of all applications, or 13.6% of the applications it actually decided on. The New Jersey statewide average across all lenders was 17.7%.
The median rate on loans Usalliance Federal Credit Union originated in New Jersey in 2025 was 7.88%, against a statewide median of 6.75%.
About this data. Figures are Usalliance 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