The Mortgage Record
Lender report card · New Jersey

Alliant Credit Union

Chicago, IL · What the federal mortgage record shows about how Alliant Credit Union treated New Jersey applicants, 2018–2025 — 263 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
88.6%
233 approved
Denial rate
11.4%
30 denied
Decisions
263
2018–2025
Avg. rate spread
+0.14 pp
vs. market benchmark
88.6% approved
11.4% denied

Share of 263 New Jersey applications Alliant Credit Union approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional88.5% of 262 · NJ 87%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

65%73%81%89%97%70%89%96%93%68%93%90%91%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Alliant Credit Union’s rates ran -0.09 pp lower than the typical New Jersey lender (average rate spread +0.14 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Alliant Credit Union approves

By income
$75–100k84.1% · 44$100–150k85.7% · 63$150–250k98.6% · 69$250k+94.4% · 54
By debt-to-income
Under 36%94.2% · 13736–43%92.4% · 6643–50%87.2% · 47
By down payment (LTV)
20%+ down90.0% · 17010–20% down96.9% · 32

Why Alliant Credit Union denied applications

Debt-to-income ratio33% of denialsCollateral (value/type)30% of denialsCredit history23% of denialsUnverifiable information13% of denialsEmployment history7% of denialsInsufficient cash to close3% of denials

Where Alliant Credit Union lends in NJ

CountyDecisionsApproval
Middlesex County2982.8%
Bergen County2788.9%
Essex County2576.0%

Fees & closing costs

Median total loan costs
$5,830
home purchase
As % of loan
1.57%
NJ median 1.93%
Priced originations
120
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Alliant Credit Union’s home-purchase originations — 0.37 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $550. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Consumer complaints

CFPB complaints
22
from NJ, 2022–present
Answered on time
100%
of complaints
Closed with relief
0%
monetary or non-monetary

Complaints New Jersey mortgage customers filed against Alliant Credit Union with the federal Consumer Financial Protection Bureau, 2022–present. Most common issue: Trouble during payment process. Most mortgage complaints concern servicing — payments, escrow, and foreclosure — so this reflects a company’s customer experience as much as its lending, and volume partly tracks how many loans it services. Source: CFPB Consumer Complaint Database.

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Alliant Credit Union (LEI 549300T94GSH3C4U5M59). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →