Usalliance Federal Credit Union Mortgage Rates, Fees & Info
Rye, NYLEI: 254900NZOY3XB2DNSZ34
Tax ID: 13-6256810
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Usalliance Federal Credit Union is a smaller credit union specializing in Home Improvement and Home Purchase loans. Usalliance Federal Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: New York, Boston, Los Angeles, Chicago, and San Francisco among others. We have data for 156 markets. (Some data included below & more in-depth data is available with an active subscription.)Usalliance Federal Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Usalliance Federal Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have relatively high rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.
SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 8.90% | 4/5/25 |
| 30 Year Conventional Purchase | 6.99% | 4/5/25 |
| 30 Year Conventional Refi | 6.86% | 4/5/25 |
| 30 Year Cash-out Refi | 6.84% | 4/5/25 |
| 15 Year Conventional Purchase | 6.00% | 4/5/25 |
| 15 Year Conventional Refi | 8.61% | 4/5/25 |
| 15 Year Cash-out Refi | 8.61% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Usalliance Federal Credit Union Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Usalliance Federal Credit Union. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
937Origination Dollar Volume (All Markets)
$305,025,000Relative Rate
Usalliance Federal Credit Union's average 30 year fixed mortgage rate was
9.26%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of 2.71%.
Relative Fees (Closing Costs)
Usalliance Federal Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,196.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 198 | $101,010,000 | $510,152 | $5,804 | 8.81% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 50 | $23,160,000 | $463,200 | $5,897 | 8.52% |
| Outside of Metro Areas | 58 | $17,150,000 | $295,690 | $4,611 | 8.93% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 46 | $14,670,000 | $318,913 | $4,861 | 9.35% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 53 | $14,415,000 | $271,981 | $3,064 | 9.25% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 32 | $11,800,000 | $368,750 | $2,901 | 9.49% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 42 | $10,620,000 | $252,857 | $2,507 | 9.26% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 27 | $9,085,000 | $336,481 | $3,725 | 9.61% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 25 | $7,615,000 | $304,600 | $3,332 | 9.29% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 19 | $6,545,000 | $344,474 | $0 | 10.05% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 32 | $6,290,000 | $196,563 | $2,408 | 9.58% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 18 | $3,830,000 | $212,778 | $3,982 | 9.90% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 12 | $2,970,000 | $247,500 | $4,750 | 9.36% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 12 | $2,960,000 | $246,667 | $2,757 | 9.40% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 14 | $2,840,000 | $202,857 | $2,546 | 9.78% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 6 | $2,780,000 | $463,333 | $3,492 | 8.38% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 5 | $2,525,000 | $505,000 | $9,161 | 8.93% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 5 | $2,495,000 | $499,000 | $7,902 | 8.25% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 9 | $2,265,000 | $251,667 | $2,880 | 9.99% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 2 | $2,040,000 | $1,020,000 | $10,256 | 6.63% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 6 | $1,860,000 | $310,000 | $4,340 | 9.54% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $1,845,000 | $369,000 | $0 | 9.63% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 9 | $1,805,000 | $200,556 | $845 | 9.38% |
| Laconia, NH (FHA|USDA|VA) | 3 | $1,735,000 | $578,333 | $3,383 | 8.46% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 10 | $1,570,000 | $157,000 | $527 | 9.34% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 3 | $1,455,000 | $485,000 | $5,910 | 8.38% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 4 | $1,450,000 | $362,500 | $0 | 10.53% |
| RICHMOND, VA (FHA|USDA|VA) | 8 | $1,400,000 | $175,000 | $949 | 9.14% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $0 | 10.34% |
| BEND, OR (FHA|USDA|VA) | 3 | $1,345,000 | $448,333 | $0 | 9.54% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 7 | $1,345,000 | $192,143 | $2,151 | 9.20% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $1,325,000 | $189,286 | $807 | 9.71% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 2 | $1,170,000 | $585,000 | $8,079 | 7.88% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 6 | $1,160,000 | $193,333 | $4,429 | 9.17% |
| LYNCHBURG, VA (FHA|USDA|VA) | 2 | $1,090,000 | $545,000 | $5,966 | 8.00% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $3,747 | 9.31% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 3 | $985,000 | $328,333 | $0 | 9.17% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 6 | $980,000 | $163,333 | $1,773 | 8.73% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $0 | 9.13% |
| PITTSBURGH, PA (FHA|USDA|VA) | 6 | $970,000 | $161,667 | $4,262 | 9.33% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $970,000 | $242,500 | $2,962 | 9.75% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 4 | $910,000 | $227,500 | $3,541 | 9.03% |
| COLUMBUS, OH (FHA|USDA|VA) | 4 | $830,000 | $207,500 | $2,897 | 9.84% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $745 | 9.42% |
| KNOXVILLE, TN (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $2,538 | 9.63% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $0 | 9.31% |
| WILMINGTON, NC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $0 | 10.25% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $0 | 8.92% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $7,360 | 9.44% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $7,253 | 10.13% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 4 | $590,000 | $147,500 | $5,412 | 10.34% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,437 | 9.13% |
| Boone, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.75% |
| WENATCHEE, WA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 9.25% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.50% |
| Pinehurst-Southern Pines, NC (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 7.75% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 9.00% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.75% |
| Roanoke Rapids, NC (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 9.38% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 10.75% |
| KINGSTON, NY (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $1,562 | 8.41% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 9.44% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $0 | 9.56% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,045 | 9.19% |
| Pottsville, PA (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $2,982 | 10.75% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 9.75% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $0 | 11.00% |
| AKRON, OH (FHA|USDA|VA) | 3 | $385,000 | $128,333 | $0 | 10.38% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,045 | 8.44% |
| LANCASTER, PA (FHA|USDA|VA) | 3 | $365,000 | $121,667 | $2,744 | 9.46% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $2,944 | 9.75% |
| TULSA, OK (FHA|USDA|VA) | 2 | $360,000 | $180,000 | $0 | 9.38% |
| SAVANNAH, GA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 9.25% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 9.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 9.25% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 8.25% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 3 | $345,000 | $115,000 | $1,679 | 9.04% |
| DAYTON-KETTERING, OH (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $0 | 11.38% |
| BLACKSBURG-CHRISTIANSBURG, VA (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $3,432 | 9.69% |
| MISSOULA, MT (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 10.75% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 10.13% |
| BATON ROUGE, LA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 10.00% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 9.25% |
| HARRISBURG-CARLISLE, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $2,810 | 9.19% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $300,000 | $150,000 | $0 | 8.63% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 9.25% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 9.75% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $4,614 | 9.13% |
| DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 9.25% |
| FAYETTEVILLE, NC (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 9.00% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 10.75% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $894 | 8.94% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $0 | 8.44% |
| Augusta-Waterville, ME (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $3,762 | 9.25% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $0 | 9.25% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $3,262 | 9.25% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 10.75% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 10.44% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.25% |
| HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $0 | 9.00% |
| Concord, NH (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 9.25% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 2 | $190,000 | $95,000 | $995 | 10.25% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 11.75% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 9.00% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 9.25% |
| CHEYENNE, WY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $3,657 | 9.13% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $170,000 | $85,000 | $2,667 | 9.00% |
| New Castle, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.63% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 9.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $0 | 10.69% |
| Keene, NH (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $3,257 | 8.25% |
| ASHEVILLE, NC (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $0 | 9.25% |
| Shelton, WA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 10.88% |
| Altus, OK (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 8.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 10.50% |
| SALEM, OR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 9.50% |
| CHICO, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 9.25% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,962 | 9.63% |
| BILLINGS, MT (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.75% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.25% |
| BATTLE CREEK, MI (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.75% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 9.25% |
| Bucyrus-Galion, OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.00% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.75% |
| Sevierville, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 10.00% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,641 | 9.13% |
| Dayton, TN (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| COLUMBIA, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 11.25% |
| GETTYSBURG, PA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,545 | 8.88% |
| MOBILE, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.00% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 9.50% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 8.63% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 2 | $90,000 | $45,000 | $2,207 | 8.81% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.75% |
| Bartlesville, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 9.75% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 8.50% |
| Murray, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 11.88% |
| ALBANY-LEBANON, OR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.50% |
| FARGO, ND-MN (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,072 | 8.88% |
| LOUISVILLE, KY (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,422 | 9.63% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 9.75% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 10.50% |
| Sanford, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,115 | 9.75% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,185 | 9.38% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,587 | 9.63% |
| READING, PA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.25% |
| MUSKEGON, MI (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,045 | 9.38% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.00% |
| MADERA, CA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,625 | 9.38% |
| Fort Polk South, LA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,167 | 9.38% |
| Somerset, KY (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 11.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.88% |
| Mountain Home, ID (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 10.88% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $601 | 9.38% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.50% |
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We use machine learning to identify the top lenders compared against USAlliance Federal Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 661 | $166,555,000 | $251,974 | n/a | 9.65% |
| Conventional | 276 | $138,470,000 | $501,703 | $4,262 | 8.18% |
For 2024, Usalliance Federal Credit Union's most frequently originated type of loan was HELOC, with 661 originations. Their 2nd most popular type was Conventional, with 276 originations.
Loan Reason
For 2024, Usalliance Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 530 originations. The 2nd most popular reason was Cash Out Refi, with 176 originations.
Loan Duration/Length
For 2024, Usalliance Federal Credit Union's most frequently cited loan duration was 30 Year, with 757 originations. The 2nd most popular length was 20 Year, with 145 originations.
Origination Fees/Closing Costs
Usalliance Federal Credit Union's average total fees were $7,196, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 151 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| Over 8% | 800 | $189,140,000 | $236,425 |
| 6-7% | 82 | $88,500,000 | $1,079,268 |
| 7-8% | 53 | $26,315,000 | $496,509 |
| 5-6% | 2 | $1,070,000 | $535,000 |
During 2024, Usalliance Federal Credit Union's average interest rate for loans was 9.26%, while their most frequently originated rate bucket for loans was Over 8%, with 800 originations.
Loan Sizing
2024 saw Usalliance Federal Credit Union place emphasis on $200k-400k loans with 289 originations, totaling $80,765,000 in origination value.
Applicant Income
Usalliance Federal Credit Union lent most frequently to those with incomes in the $250k+ range, with 496 originations. The second most popular income band? $150k-250k, with 251 originations.
Applicant Debt to Income Ratio
Usalliance Federal Credit Union lent most frequently to those with DTI ratios of 30-36%, with 167 originations. The next most common DTI ratio? 20-30%, with 151 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications85.37%
Usalliance Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination68.41%
Usalliance Federal Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 937 | $305,025,000 | $325,534 |