Usalliance Federal Credit Union in Washington vs the state
18.5%Denial rate+2.81 pts vs state
20.0%Decision denial rate+0.46 pts vs state
73.1%Origination rate+12.02 pts vs state
8.00%Median rate+1.38 pts vs state
0.91Rate spread (pts)+0.72 pts vs state
$239kMedian applicant income
95Loans originated
24Denied
Trend in Washington
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 26 | 13 | 15.4% | 9.25% | #352 |
| 2024 | 40 | 28 | 7.5% | 9.69% | #298 |
| 2025 | 130 | 95 | 18.5% | 8.00% | #220 |
What Usalliance Federal Credit Union lends in Washington
By loan purpose
By loan type
Why it denied Washington applicants
Where in Washington
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| King County | 44 | 35 | 6 | 13.6% |
| Snohomish County | 20 | 17 | 2 | 10.0% |
| Clark County | 17 | 11 | 6 | 35.3% |
| Pierce County | 10 | 5 | 3 | 30.0% |
| Cowlitz County | 4 | 3 | 1 | 25.0% |
| San Juan County | 4 | 4 | 0 | 0.0% |
| Spokane County | 3 | 3 | 0 | 0.0% |
| Kitsap County | 3 | 2 | 0 | 0.0% |
| Kittitas County | 2 | 1 | 1 | 50.0% |
| Chelan County | 2 | 2 | 0 | 0.0% |
Other large lenders in Washington
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Boeing Employees Credit Union | B | 21,599 | 23.8% | 6.13% |
| Rocket Mortgage | C | 14,301 | 15.9% | 6.63% |
| United Shore Financial Services | B | 13,770 | 10.0% | 6.13% |
| Guild Mortgage | A | 8,056 | 3.4% | 6.63% |
| CMG Mortgage | A | 7,817 | 3.1% | 6.63% |
| Movement Mortgage | A | 7,472 | 3.6% | 6.63% |
| Bank of America | F | 6,986 | 27.0% | 5.99% |
| Crosscountry Mortgage | B | 6,903 | 3.1% | 6.63% |
| U.S. Bank | D | 6,568 | 27.6% | 6.63% |
| Newrez | D | 5,849 | 12.9% | 6.63% |
Frequently asked questions
Washington: 130 applications in 2025, of which 95 were originated and 24 denied.
18.5% of all applications, or 20.0% of the applications it actually decided on. The Washington statewide average across all lenders was 15.7%.
The median rate on loans Usalliance Federal Credit Union originated in Washington in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Usalliance Federal Credit Union's own HMDA filing for properties located in Washington, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology