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USALLIANCE FEDERAL CREDIT UNION
Credit Union|Rye, NY|Multi-Region
Loans Originated
101
Applications
180
Volume
$110 million
Offers loans directly to consumersSources loans from independent brokers
Overall Pricing
Acceptable
Overall Pull Through
Acceptable
Pricing and Pullthrough Overview
Average Rate Spread
+0.256%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$1,272
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
56.1%
Percentage of applications that result in closed loans
Safe Rate's Summary
Things to Think About
- Pricing may be below industry average
- Pull through efficiency is below industry average
Report Card
USALLIANCE FEDERAL CREDIT UNION performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Acceptable | Near industry average | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Mediocre | Below peers | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Acceptable | Near industry average | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Multi-Regional · 2 metro areas · 14 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$1,096,485
Average Borrower Income
$427,307
Average Property Value
$1,412,624
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Mediocre | Mediocre | Acceptable | Mediocre | 36 | 35.6% | +0.280% | $1,543 |
Jumbo Loans | Sound | Strong | Acceptable | Sound | 65 | 64.4% | +0.244% | $1,135 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Acceptable | Acceptable | Acceptable | Mediocre | 86 | 85.1% | +0.265% | $1,184 |
Refinance | Acceptable | Acceptable | N/A | Acceptable | 15 | 14.9% | +0.198% | $1,852 |
Geographic Coverage
Metro Areas
2
States Served
14
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
AZCACTDEFLGAILMANCNHNJNYPAVA
Top Metro Areas by Place Specialization Score
1
New York, NY-NJMSA
Volume: 40Mix: 39.60%
Place Specialization
Strong
2
Cambridge, MAMSA
Volume: 10Mix: 9.90%
Place Specialization
Sound
Top States by Place Specialization Score
1
NYState
Volume: 51Mix: 50.50%
Place Specialization
Strong
2
MAState
Volume: 16Mix: 15.84%
Place Specialization
Sound
3
NJState
Volume: 11Mix: 10.89%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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