Usalliance Federal Credit Union in Alabama vs the state
16.7%Denial rate-3.18 pts vs state
18.8%Decision denial rate-6.25 pts vs state
72.2%Origination rate+16.83 pts vs state
8.00%Median rate+1.50 pts vs state
1.94Rate spread (pts)+1.66 pts vs state
$166kMedian applicant income
13Loans originated
3Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 6 | 30.0% | 9.81% | #447 |
| 2024 | 8 | 4 | 12.5% | 9.38% | #478 |
| 2025 | 18 | 13 | 16.7% | 8.00% | #407 |
What Usalliance Federal Credit Union lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Madison County | 3 | 1 | 0 | 0.0% |
| Baldwin County | 2 | 2 | 0 | 0.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Tuscaloosa County | 1 | 1 | 0 | 0.0% |
| Cullman County | 1 | 0 | 1 | 100.0% |
| Russell County | 1 | 1 | 0 | 0.0% |
| Lee County | 1 | 1 | 0 | 0.0% |
| Etowah County | 1 | 1 | 0 | 0.0% |
| Mobile County | 1 | 1 | 0 | 0.0% |
| Shelby County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 18 applications in 2025, of which 13 were originated and 3 denied.
16.7% of all applications, or 18.8% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans Usalliance Federal Credit Union originated in Alabama in 2025 was 8.00%, against a statewide median of 6.50%.
About this data. Figures are Usalliance Federal Credit Union's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology