# USALLIANCE FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/usalliance-federal-credit-union

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

USALLIANCE FEDERAL CREDIT UNION is a credit union, headquartered in Rye, NY, serving borrowers across 14 states, with 101 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 78% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 75% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900NZOY3XB2DNSZ34
- **Headquarters:** Rye, NY
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** AZ, CA, CT, DE, FL, GA, IL, MA, NC, NH, NJ, NY, PA, VA
- **Markets (MSAs):** 2
- **Primary Channel:** wholesale
- **Direct Origination:** 18.3%
- **Brokered/Wholesale:** 81.7%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 22/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 25/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.256%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,272
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 101
- **Dollar Volume:** $111 million
- **Applications Received:** 180
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $1,096,485
- **Average Borrower Income:** $427,307

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 19/100 | 36 | +0.280% | $1,543 | Mediocre 😐 |
| Jumbo | 74/100 | 65 | +0.244% | $1,135 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 29 loans, Score: 20/100 (Acceptable)

**Jumbo:**
- Purchase: 57 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 31/100 | 86 | $98M | +0.265% | Acceptable 🙂 |
| Refinance | 24/100 | 15 | $13M | +0.198% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| NY | 51 | 0.04% | 61/100 |
| MA | 16 | 0.03% | 48/100 |
| NJ | 11 | 0.01% | 44/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New York | NY-NJ | 40 | 62/100 |
| Cambridge | MA | 10 | 45/100 |

## Frequently Asked Questions

### What loan types does USALLIANCE FEDERAL CREDIT UNION offer?

USALLIANCE FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does USALLIANCE FEDERAL CREDIT UNION offer mortgages?

USALLIANCE FEDERAL CREDIT UNION offers mortgages in 14 states: AZ, CA, CT, DE, FL, GA, IL, MA, NC, NH, NJ, NY, PA, VA.

### How competitive are USALLIANCE FEDERAL CREDIT UNION's mortgage rates?

USALLIANCE FEDERAL CREDIT UNION has a pricing score of 22/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.256% above market average.

### What type of lender is USALLIANCE FEDERAL CREDIT UNION?

USALLIANCE FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Rye, NY.

### What is USALLIANCE FEDERAL CREDIT UNION's loan approval success rate?

USALLIANCE FEDERAL CREDIT UNION has a pull-through score of 25/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/usalliance-federal-credit-union

### How to Cite

> "USALLIANCE FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/usalliance-federal-credit-union

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