Applications / Mortgage Analytics / Lenders / New Jersey / Greater Alliance Federal Credit Union
Paramus, NJ · Credit union · NCUA · $252 million assets · 121 loans in 2025
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121
loans originated, 2025
267
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Greater Alliance Federal Credit Union lends mostly to homeowners improving or refinancing their homes, and in 2025 it made fewer loans but bigger ones.
It made 121 loans, down 14% from 140, while similar lenders (credit unions making between half and twice as many loans) grew 8% and the whole market 10%. Its lending still rose to $23.5 million from $18.5 million, as its typical loan grew to $125,000 from $105,000.
Home improvement was 48.8% of its loans and refinance 42.1%; purchases were just 9.1%. Every loan was conventional, with none insured or guaranteed by a government agency.
Majority-minority areas took 35.5% of its loans, against 9.5% at similar lenders, higher than about four in five of them. That fits a base in the New York-Newark-Jersey City market. Low- and moderate-income (LMI) borrowers took 20.2% of its loans, lower than most peers; its larger typical loan may be one reason.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Greater Alliance Federal Credit Union took 267 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 48.8% · Refinance 42.1% · Purchase 9.1%
Conventional 100.0% · of 121 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New Jersey | 116 | 95.9% |
| Florida | 2 | 1.7% |
| New York | 2 | 1.7% |
| Pennsylvania | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 94 |
| Newark | 15 |
| Lakewood-New Brunswick | 4 |
| Camden | 2 |
| Allentown-Bethlehem-Easton | 1 |
| Cape Coral-Fort Myers | 1 |
| Kiryas Joel-Poughkeepsie-Newburgh | 1 |
| Montgomery County-Bucks County-Chester County | 1 |
| Trenton-Princeton | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V4GRCFGZBVVZ73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 101475 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 52182 | 1993–2017 |
Established 1 January 1937. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Greater Alliance Federal Credit Union's data.
Greater Alliance Federal Credit Union's data
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Greater Alliance Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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