Applications / Mortgage Analytics / Lenders / New York / USALLIANCE Federal Credit Union
Rye, NY · Credit union · NCUA · $3.3 billion assets · 1,799 loans in 2025
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1,799
loans originated, 2025
2,542
applications, 2025
41
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
USALLIANCE Federal Credit Union nearly doubled its lending in 2025, to 1,799 loans from 937, making larger loans than similar credit unions across 41 states.
Originations rose 92%, against 10% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market, higher than nearly all of them. Dollars lent rose to $564.8 million from $305.0 million. Its 1,799 loans were also above the 1,171 of 2020.
Jumbo loans (larger than the conforming limit) were 27.2% of its lending, the highest among similar lenders against 1.3% at peers, though down from 52.0% the year before. Its typical loan, $245,000, was higher than at more than nine in ten peers, against $115,000.
Home improvement was 39.4% of its loans, refinance 28.7%, other purposes 19.5% and purchases 12.5%. It lends in 41 states and 198 metros, ranking 191 of 802 in New York-Newark-Jersey City and 217 of 757 in Los Angeles-Long Beach-Anaheim, and entered Salinas, Ogden and Coeur d'Alene in 2025.
LMI (low- and moderate-income) borrowers took 4.9% of its loans, against 27.1% at peers, lower than nearly all of them; in LMI areas, 10.5% against 14.8%. Its larger loans and jumbo share are one possible reason. Loans in majority-minority areas were 22.7%, against 10.9%, higher than about seven in ten.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. USALLIANCE Federal Credit Union took 2,542 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 39.4% · Refinance 28.7% · Other 19.5% · Purchase 12.5%
Conventional 100.0% · of 1,799 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| California | 437 | 24.3% |
| New Jersey | 170 | 9.4% |
| Florida | 130 | 7.2% |
| Massachusetts | 120 | 6.7% |
| New York | 99 | 5.5% |
| Washington | 95 | 5.3% |
| Illinois | 89 | 4.9% |
| Connecticut | 63 | 3.5% |
| Georgia | 61 | 3.4% |
| Oregon | 51 | 2.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Los Angeles-Long Beach-Glendale | 121 |
| New York-Jersey City-White Plains | 116 |
| Chicago-Naperville-Schaumburg | 74 |
| Sacramento-Roseville-Folsom | 56 |
| San Diego-Chula Vista-Carlsbad | 56 |
| Newark | 55 |
| Cambridge-Newton-Framingham | 51 |
| Portland-Vancouver-Hillsboro | 44 |
| Boston | 43 |
| Lakewood-New Brunswick | 40 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900NZOY3XB2DNSZ34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 451189 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 517587 | 1990–2017 |
Established 1 January 1966. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: USALLIANCE Federal Credit Union's data.
USALLIANCE Federal Credit Union's data
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USALLIANCE Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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