Lender profile · HMDA 2023–2025
USAlliance Federal Credit Union mortgage approval rates & lending data
USAlliance Federal Credit Union decided 3,611 mortgage applications and funded 2,998 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.