Usalliance Federal Credit Union in Virginia vs the state
13.1%Denial rate-2.83 pts vs state
17.0%Decision denial rate-3.23 pts vs state
63.9%Origination rate+4.41 pts vs state
8.25%Median rate+1.63 pts vs state
1.43Rate spread (pts)+1.21 pts vs state
$254kMedian applicant income
39Loans originated
8Denied
Trend in Virginia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 27 | 18 | 25.9% | 8.94% | #445 |
| 2024 | 53 | 33 | 11.3% | 9.25% | #360 |
| 2025 | 61 | 39 | 13.1% | 8.25% | #345 |
What Usalliance Federal Credit Union lends in Virginia
By loan purpose
By loan type
Why it denied Virginia applicants
Where in Virginia
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fairfax County | 12 | 7 | 2 | 16.7% |
| Loudoun County | 5 | 2 | 1 | 20.0% |
| Henrico County | 4 | 3 | 0 | 0.0% |
| Arlington County | 4 | 2 | 1 | 25.0% |
| Fauquier County | 3 | 2 | 0 | 0.0% |
| Stafford County | 3 | 2 | 0 | 0.0% |
| Prince William County | 2 | 1 | 1 | 50.0% |
| Richmond city | 2 | 1 | 0 | 0.0% |
| Chesapeake city | 2 | 2 | 0 | 0.0% |
| Albemarle County | 2 | 0 | 1 | 50.0% |
Other large lenders in Virginia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Navy Federal Credit Union | D | 19,395 | 19.3% | 7.75% |
| Rocket Mortgage | C | 19,274 | 14.8% | 6.63% |
| United Shore Financial Services | B | 13,994 | 10.4% | 6.12% |
| Truist Bank | C | 11,838 | 31.6% | 6.49% |
| Mortgage Research Center | C | 9,000 | 16.7% | 6.25% |
| Pennymac Loan Services | C | 8,334 | 10.7% | 6.38% |
| Freedom Mortgage | B | 8,029 | 6.5% | 6.25% |
| Bank of America | F | 6,584 | 31.9% | 6.24% |
| Newrez | D | 6,390 | 16.4% | 6.38% |
| Movement Mortgage | A | 6,126 | 4.3% | 6.56% |
Frequently asked questions
Virginia: 61 applications in 2025, of which 39 were originated and 8 denied.
13.1% of all applications, or 17.0% of the applications it actually decided on. The Virginia statewide average across all lenders was 15.9%.
The median rate on loans Usalliance Federal Credit Union originated in Virginia in 2025 was 8.25%, against a statewide median of 6.63%.
About this data. Figures are Usalliance Federal Credit Union's own HMDA filing for properties located in Virginia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology