USAlliance Federal Credit Union mortgage approval rate & lending review
USAlliance Federal Credit Union decided 3,611 mortgage applications and funded 2,998 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions USAlliance Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
USAlliance Federal Credit Union at a glance
Approval is 15.3 points above the 68.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 87% | 449 / 518 | 100% | $805K | 447 |
| Home improvement loans | 89% | 1,616 / 1,817 | 99% | $245K | 1,594 |
| Cash-out refinance | 76% | 623 / 820 | 99% | $205K | 616 |
| Refinance | 84% | 219 / 262 | 97% | $485K | 212 |
| Investment property purchase | 88% | 37 / 42 | 100% | $225K | 37 |
| Investment cash-out refinance | 49% | 35 / 72 | 97% | $115K | 34 |
| Investment home improvement | 71% | 49 / 69 | 98% | $155K | 48 |
USAlliance Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 84% | $255K | 687 | 568 |
| New Jersey | 83% | $295K | 461 | 378 |
| New York | 79% | $205K | 400 | 315 |
| Massachusetts | 82% | $505K | 251 | 204 |
| Florida | 84% | $205K | 244 | 202 |
| Illinois | 92% | $245K | 209 | 192 |
| Pennsylvania | 88% | $235K | 134 | 116 |
| Georgia | 83% | $205K | 131 | 103 |
| Connecticut | 88% | $185K | 113 | 99 |
| Washington | 84% | $355K | 111 | 91 |
| Maryland | 86% | $205K | 98 | 84 |
| North Carolina | 88% | $205K | 91 | 80 |
| Virginia | 87% | $255K | 77 | 64 |
| Ohio | 81% | $195K | 68 | 55 |
| Oregon | 79% | $245K | 67 | 52 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where USAlliance Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Home improvement loans | 96% | 83 | 79 |
| San Diego County, CA | Home improvement loans | 89% | 56 | 50 |
| Sacramento County, CA | Home improvement loans | 92% | 39 | 35 |
| DuPage County, IL | Home improvement loans | 100% | 31 | 31 |
| Westchester County, NY | Cash-out refinance | 69% | 42 | 29 |
| Bergen County, NJ | Home improvement loans | 87% | 31 | 27 |
| Essex County, NJ | Home improvement loans | 100% | 26 | 25 |
| Morris County, NJ | Home improvement loans | 83% | 29 | 24 |
| King County, WA | Home improvement loans | 83% | 29 | 23 |
| New York County, NY | Mortgage lenders | 91% | 23 | 21 |
| Fulton County, GA | Home improvement loans | 88% | 25 | 20 |
| Contra Costa County, CA | Home improvement loans | 86% | 22 | 19 |
The county markets where USAlliance Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about USAlliance Federal Credit Union
What is USAlliance Federal Credit Union's mortgage approval rate?
USAlliance Federal Credit Union approved 84.1% of the 3,611 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.3 points above the 68.8% national rate for the same mix of loan types.
How often do borrowers take the loan USAlliance Federal Credit Union offers?
Borrowers accepted 99% of the loans USAlliance Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does USAlliance Federal Credit Union make?
The typical home improvement loan loan USAlliance Federal Credit Union made was $245K; across all loan types its typical loan ran from $115K to $805K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does USAlliance Federal Credit Union lend?
USAlliance Federal Credit Union decided applications in 47 of the states Fat Boy Data covers, most of them in California, New Jersey and New York.
Can I apply to USAlliance Federal Credit Union directly?
Yes. USAlliance Federal Credit Union is a bank or credit union with 8 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show USAlliance Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how USAlliance Federal Credit Union treats applications, then get a rate quote from the lender.