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 score and performance metrics.

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 an overall pricing score of 22.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Usalliance Federal Credit Union?

Usalliance Federal Credit Union is a Credit Union headquartered in Rye, NY.

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Usalliance Federal Credit Union

Credit Union•Rye, NYHQ•Wholesale•Reviews near you on Google

Usalliance Federal Credit Union has 101 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Acceptable

2/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Sound

3/5

Multi-Region · 2 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

Things to Think About

Pricing may be below industry average
Pull through efficiency is below industry average

Explore another lender or local market

Report Card

Usalliance Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Acceptable

+25.6 bps above market avg

2/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

36 loans · 0.28% above market

Mediocre

Bottom 20% of lenders

1/5

Jumbo

65 loans · 0.24% above market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

86 loans · 0.27% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

15 loans · 0.20% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Acceptable	Mediocre	Acceptable	Mediocre	36	35.6%	+0.280%Above	$1,543Fees
Jumbo Loans	Sound	Strong	Acceptable	Sound	65	64.4%	+0.244%Above	$1,135Fees

Conventional

Overall

Acceptable

Product

Mediocre

Pricing

Acceptable

Pull Through

Mediocre

Volume36

Mix35.6%

Spread

+0.280%Above

Fees

$1,543Fees

Jumbo Loans

Overall

Sound

Product

Strong

Pricing

Acceptable

Pull Through

Sound

Volume65

Mix64.4%

Spread

+0.244%Above

Fees

$1,135Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Acceptable	Acceptable	Acceptable	Mediocre	86	85.1%	+0.265%Above	$1,184Fees
Refinance	Acceptable	Acceptable	—	Acceptable	15	14.9%	+0.198%Above	$1,852Fees

Purchase

Overall

Acceptable

Product

Acceptable

Pricing

Acceptable

Pull Through

Mediocre

Volume86

Mix85.1%

Spread

+0.265%Above

Fees

$1,184Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume15

Mix14.9%

Spread

+0.198%Above

Fees

$1,852Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

101

Applications

180

Volume

$110 million

Pricing & Closing

Avg Rate Spread

+0.256%

vs. market APOR

Avg Net Fees

$1,272

Origination − Credits

Pullthrough Rate

56.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$1,096,485

Avg Borrower Income

$427,307

Avg Property Value

$1,412,624

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

14Full-year 2024 · HMDA

Loans originated

< 1010–2020+None

Northeast6

CTMANHNJNYPA

Midwest1

South5

DEFLGANCVA

West2

AZCA

Top Metro Areas by Place Specialization Score

New York, NY-NJMetro

Volume 40Mix 39.60% of portfolio

62/100

Strong

Cambridge, MAMetro

Volume 10Mix 9.90% of portfolio

45/100

Sound

Top States by Place Specialization Score

New YorkState

Volume 51Mix 50.50% of portfolio

61/100

Strong

MassachusettsState

Volume 16Mix 15.84% of portfolio

48/100

Sound

New JerseyState

Volume 11Mix 10.89% of portfolio

44/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.