Usalliance Federal Credit Union
Rye, NY · What the federal mortgage record shows about how Usalliance Federal Credit Union treated New Jersey applicants, 2018–2025 — 362 reported decisions. This is historical behavior, not a prediction about your loan.
Share of 362 New Jersey applications Usalliance Federal Credit Union approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.
Approval rate by loan type
“NJ” = the statewide average approval rate for that loan type, for comparison.
Approval rate over time
Pricing
Adjusting for its loan-type mix, Usalliance Federal Credit Union’s rates ran -0.21 pp lower than the typical New Jersey lender (average rate spread +0.01 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.
Who Usalliance Federal Credit Union approves
Why Usalliance Federal Credit Union denied applications
Where Usalliance Federal Credit Union lends in NJ
| County | Decisions | Approval |
|---|---|---|
| Essex County | 83 | 90.4% |
| Bergen County | 74 | 89.2% |
| Hudson County | 42 | 81.0% |
| Morris County | 40 | 85.0% |
| Monmouth County | 33 | 75.8% |
Fees & closing costs
Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Usalliance Federal Credit Union’s home-purchase originations — 1.11 points lower than the 1.93% New Jersey median. Typical lender credit toward costs: $65. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →
Compare Usalliance Federal Credit Union to other lenders for your profile
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Open the approval tool →Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Usalliance Federal Credit Union (LEI 254900NZOY3XB2DNSZ34). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →