Usalliance Federal Credit Union in Missouri vs the state
12.5%Denial rate-2.57 pts vs state
16.7%Decision denial rate-2.03 pts vs state
62.5%Origination rate-0.16 pts vs state
7.94%Median rate+1.31 pts vs state
0.98Rate spread (pts)+0.63 pts vs state
$194kMedian applicant income
10Loans originated
2Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 5 | 0.0% | 8.75% | #593 |
| 2024 | 10 | 6 | 10.0% | 9.50% | #487 |
| 2025 | 16 | 10 | 12.5% | 7.94% | #457 |
What Usalliance Federal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Louis County | 10 | 9 | 0 | 0.0% |
| Greene County | 2 | 0 | 0 | 0.0% |
| Callaway County | 1 | 0 | 1 | 100.0% |
| St. Charles County | 1 | 1 | 0 | 0.0% |
| Clay County | 1 | 0 | 1 | 100.0% |
| Lafayette County | 1 | 0 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 16 applications in 2025, of which 10 were originated and 2 denied.
12.5% of all applications, or 16.7% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans Usalliance Federal Credit Union originated in Missouri in 2025 was 7.94%, against a statewide median of 6.63%.
About this data. Figures are Usalliance Federal Credit Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology