Usalliance Federal Credit Union Mortgage Rates, Fees & Info
Rye, NYLEI: 254900NZOY3XB2DNSZ34
Tax ID: 13-6256810
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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, Bridgeport, Chicago, and Miami among others. We have data for 133 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 an average 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.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 7.08% | 12/16/24 |
| 30 Year Conventional Purchase | 6.08% | 12/16/24 |
| 30 Year Conventional Refi | 6.00% | 12/16/24 |
| 30 Year Cash-out Refi | 6.13% | 12/16/24 |
| 15 Year Conventional Purchase | 5.82% | 12/16/24 |
| 15 Year Conventional Refi | 6.50% | 12/16/24 |
| 15 Year Cash-out Refi | 6.50% | 12/16/24 |
| 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
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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
1,353Origination Dollar Volume (All Markets)
$584,415,000Awards
USAlliance Federal Credit Union - 2022
USAlliance Federal Credit Union is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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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) | 524 | $285,460,000 | $544,771 | $6,862 | 4.82% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 161 | $80,415,000 | $499,472 | $4,912 | 5.16% |
| BRIDGEPORT-STAMFORD-NORWALK, CT (FHA|USDA|VA) | 88 | $46,240,000 | $525,455 | $5,782 | 4.93% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 57 | $21,305,000 | $373,772 | $4,583 | 5.45% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 34 | $16,380,000 | $481,765 | $6,973 | 5.40% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 30 | $9,630,000 | $321,000 | $1,229 | 6.66% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 27 | $9,155,000 | $339,074 | $3,416 | 6.13% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 11 | $7,215,000 | $655,909 | $5,511 | 5.56% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 23 | $7,055,000 | $306,739 | $2,122 | 5.70% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 20 | $6,870,000 | $343,500 | $1,250 | 6.13% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 27 | $5,565,000 | $206,111 | $1,176 | 6.42% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 11 | $5,365,000 | $487,727 | $3,947 | 5.73% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 16 | $4,340,000 | $271,250 | $3,140 | 5.39% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 12 | $3,990,000 | $332,500 | $1,007 | 5.88% |
| BARNSTABLE TOWN, MA (FHA|USDA|VA) | 10 | $3,310,000 | $331,000 | $4,803 | 4.99% |
| KINGSTON, NY (FHA|USDA|VA) | 6 | $2,970,000 | $495,000 | $5,567 | 6.02% |
| NEW HAVEN-MILFORD, CT (FHA|USDA|VA) | 9 | $2,795,000 | $310,556 | $4,994 | 5.68% |
| Torrington, CT (FHA|USDA|VA) | 3 | $2,595,000 | $865,000 | $12,150 | 4.25% |
| Outside of Metro Areas | 13 | $2,555,000 | $196,538 | $3,736 | 5.76% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 10 | $2,550,000 | $255,000 | $790 | 6.79% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 12 | $2,280,000 | $190,000 | $1,109 | 6.47% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 6 | $2,090,000 | $348,333 | $1,158 | 5.10% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 9 | $1,985,000 | $220,556 | $4,846 | 6.22% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 10 | $1,940,000 | $194,000 | $2,752 | 5.41% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $1,915,000 | $273,571 | $1,584 | 6.07% |
| WORCESTER, MA-CT (FHA|USDA|VA) | 8 | $1,910,000 | $238,750 | $2,478 | 5.97% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 7 | $1,875,000 | $267,857 | $1,257 | 6.70% |
| HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) | 8 | $1,730,000 | $216,250 | $1,738 | 5.67% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $1,715,000 | $343,000 | $1,258 | 6.53% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 7 | $1,665,000 | $237,857 | $2,120 | 5.32% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 3 | $1,465,000 | $488,333 | $5,982 | 5.63% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $4,972 | 4.17% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 5 | $1,345,000 | $269,000 | $1,173 | 6.45% |
| RICHMOND, VA (FHA|USDA|VA) | 6 | $1,220,000 | $203,333 | $958 | 6.35% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $958 | 7.08% |
| DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $0 | 8.00% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 2 | $1,130,000 | $565,000 | $6,553 | 5.44% |
| COLUMBUS, OH (FHA|USDA|VA) | 6 | $1,050,000 | $175,000 | $1,037 | 7.04% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 6 | $1,030,000 | $171,667 | $0 | 5.90% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $955,000 | $955,000 | $7,537 | 3.50% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 7 | $945,000 | $135,000 | $0 | 7.41% |
| YUMA, AZ (FHA|USDA|VA) | 2 | $940,000 | $470,000 | $6,407 | 7.88% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 4 | $940,000 | $235,000 | $5,306 | 4.84% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $930,000 | $232,500 | $1,283 | 5.69% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $895,000 | $895,000 | $9,831 | 4.75% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $850,000 | $212,500 | $1,151 | 6.03% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $785,000 | $261,667 | $0 | 5.92% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 3 | $715,000 | $238,333 | $1,216 | 6.50% |
| PITTSBURGH, PA (FHA|USDA|VA) | 3 | $705,000 | $235,000 | $1,107 | 5.79% |
| CLEVELAND-ELYRIA, OH (FHA|USDA|VA) | 5 | $695,000 | $139,000 | $1,208 | 7.55% |
| ATLANTIC CITY-HAMMONTON, NJ (FHA|USDA|VA) | 1 | $645,000 | $645,000 | $5,250 | 4.25% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $1,221 | 6.72% |
| PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) | 3 | $625,000 | $208,333 | $1,407 | 5.38% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $1,208 | 6.06% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,924 | 2.50% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 8.75% |
| Heber, UT (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 7.00% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 5.75% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 7.00% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $505,000 | $168,333 | $0 | 6.58% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 5.69% |
| GAINESVILLE, FL (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $0 | 7.88% |
| SPRINGFIELD, MA (FHA|USDA|VA) | 5 | $465,000 | $93,000 | $651 | 6.55% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $784 | 6.63% |
| FARMINGTON, NM (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,053 | 6.88% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $0 | 7.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,439 | 7.19% |
| BATON ROUGE, LA (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $0 | 4.75% |
| BREMERTON-SILVERDALE-PORT ORCHARD, WA (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $0 | 4.00% |
| OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) | 1 | $345,000 | $345,000 | $0 | 4.00% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $0 | 4.50% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $1,415 | 6.00% |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $0 | 4.25% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $714 | 6.29% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $1,358 | 7.31% |
| PITTSFIELD, MA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 6.50% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,457 | 5.38% |
| Cookeville, TN (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,458 | 6.13% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,676 | 2.88% |
| Fergus Falls, MN (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.75% |
| Concord, NH (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.25% |
| JACKSON, MS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 6.38% |
| YAKIMA, WA (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,658 | 6.13% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,083 | 6.13% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 6.25% |
| WILMINGTON, NC (FHA|USDA|VA) | 2 | $210,000 | $105,000 | $3,156 | 6.94% |
| ERIE, PA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $6,688 | 5.38% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 8.25% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $0 | 7.50% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.75% |
| STOCKTON, CA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 9.00% |
| TULSA, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 4.00% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.75% |
| EAST STROUDSBURG, PA (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $179 | 6.25% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 4.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $19 | 5.38% |
| BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,733 | 6.38% |
| Sandpoint, ID (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,657 | 5.38% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 6.00% |
| ROCHESTER, MN (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $77 | 6.25% |
| Albert Lea, MN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $983 | 6.88% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,308 | 5.38% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $0 | 6.25% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $130,000 | $65,000 | $0 | 5.75% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 7.50% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 6.50% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 10.25% |
| Easton, MD (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.38% |
| Cambridge, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,167 | 6.38% |
| Wilmington, OH (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 5.38% |
| Keene, NH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $176 | 8.50% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,899 | 3.75% |
| Rutland, VT (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| LANSING-EAST LANSING, MI (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,482 | 7.38% |
| TOPEKA, KS (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 6.50% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,258 | 7.38% |
| Edwards, CO (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.88% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 6.00% |
| Whitewater, WI (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 11.00% |
| BELLINGHAM, WA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,507 | 5.38% |
| AKRON, OH (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,157 | 6.88% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $283 | 5.88% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $303 | 4.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,307 | 5.63% |
| Amsterdam, NY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,098 | 5.25% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $1,157 | 5.63% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.75% |
| SIOUX FALLS, SD (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.00% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $304 | 5.63% |
| YORK-HANOVER, PA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 5.75% |
| TRENTON-PRINCETON, NJ (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.50% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.38% |
| Morehead City, NC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 4.00% |
Their top states include:
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| HELOC | 692 | $149,550,000 | $216,113 | n/a | 6.08% |
| Conventional | 661 | $434,865,000 | $657,890 | $5,151 | 4.62% |
For 2022, Usalliance Federal Credit Union's most frequently originated type of loan was HELOC, with 692 originations. Their 2nd most popular type was Conventional, with 661 originations.
Loan Reason
For 2022, Usalliance Federal Credit Union's most frequently cited loan purpose was Home Improvement, with 503 originations. The 2nd most popular reason was Home Purchase, with 475 originations.
Loan Duration/Length
For 2022, Usalliance Federal Credit Union's most frequently cited loan duration was 30 Year, with 1,123 originations. The 2nd most popular length was 20 Year, with 199 originations.
Origination Fees/Closing Costs
Usalliance Federal Credit Union's average total fees were $7,045, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 371 originations.
Interest Rates
During 2022, Usalliance Federal Credit Union's average interest rate for loans was 5.23%, while their most frequently originated rate bucket for loans was 4-5%, with 280 originations.
Loan Sizing
2022 saw Usalliance Federal Credit Union place emphasis on $100k-200k loans with 325 originations, totaling $46,945,000 in origination value.
Applicant Income
Usalliance Federal Credit Union lent most frequently to those with incomes in the $250k+ range, with 601 originations. The second most popular income band? $150k-250k, with 448 originations.
Applicant Debt to Income Ratio
Usalliance Federal Credit Union lent most frequently to those with DTI ratios of 20-30%, with 295 originations. The next most common DTI ratio? 30-36%, with 275 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.02%
Usalliance Federal Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination69.92%
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 | 1,353 | $584,415,000 | $431,940 |