Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Usalliance Federal Credit Union 2003 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Usalliance Federal Credit Union 411 Theodore Fremd Ave, Suite 350 Rye, NY 10580 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 980 |
| Total Mortgage Loan Application Amount | $193,727,000 |
| Average Mortgage Loan Application Amount | $196,000 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $100,652 |
| Highest Applicant Income | $720,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Usalliance Federal Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Usalliance Federal Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Usalliance Federal Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Usalliance Federal Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Usalliance Federal Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Usalliance Federal Credit Union's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Westchester County New York | 195 | $ 39,771,000 | $ 203,000 | $ 111,000 |
| Middlesex County Massachusetts | 99 | $ 21,516,000 | $ 217,000 | $ 88,000 |
| Fairfield County Connecticut | 59 | $ 15,226,000 | $ 258,000 | $ 128,000 |
| Essex County Massachusetts | 38 | $ 6,946,000 | $ 182,000 | $ 98,000 |
| Bergen County New Jersey | 30 | $ 6,908,000 | $ 230,000 | $ 156,000 |
| Putnam County New York | 27 | $ 4,864,000 | $ 180,000 | $ 110,000 |
| Dutchess County New York | 26 | $ 4,978,000 | $ 191,000 | $ 89,000 |
| Plymouth County Massachusetts | 23 | $ 4,209,000 | $ 183,000 | $ 92,000 |
| Suffolk County Massachusetts | 18 | $ 3,350,000 | $ 186,000 | $ 65,000 |
| Nassau County New York | 18 | $ 4,535,000 | $ 251,000 | $ 135,000 |
| New York County New York | 18 | $ 4,288,000 | $ 238,000 | $ 101,000 |
| Richmond County New York | 18 | $ 3,733,000 | $ 207,000 | $ 84,000 |
| Norfolk County Massachusetts | 17 | $ 3,152,000 | $ 185,000 | $ 88,000 |
| Rockland County New York | 17 | $ 3,481,000 | $ 204,000 | $ 123,000 |
| Orange County New York | 15 | $ 2,159,000 | $ 143,000 | $ 99,000 |
| Hudson County New Jersey | 14 | $ 3,360,000 | $ 240,000 | $ 96,000 |
| Worcester County Massachusetts | 13 | $ 2,425,000 | $ 186,000 | $ 103,000 |
| Rockingham County New Hampshire | 13 | $ 2,179,000 | $ 167,000 | $ 86,000 |
| Kings County New York | 13 | $ 2,621,000 | $ 201,000 | $ 73,000 |
| New Haven County Connecticut | 9 | $ 1,180,000 | $ 131,000 | $ 118,000 |
| Hillsborough County New Hampshire | 9 | $ 1,559,000 | $ 173,000 | $ 102,000 |
| Suffolk County New York | 9 | $ 1,615,000 | $ 179,000 | $ 70,000 |
| Middlesex County New Jersey | 8 | $ 1,598,000 | $ 199,000 | $ 127,000 |
| Queens County New York | 8 | $ 1,194,000 | $ 149,000 | $ 100,000 |
| Broward County Florida | 7 | $ 890,000 | $ 127,000 | $ 113,000 |
| Essex County New Jersey | 7 | $ 1,411,000 | $ 201,000 | $ 97,000 |
| Monmouth County New Jersey | 7 | $ 1,995,000 | $ 285,000 | $ 140,000 |
| Passaic County New Jersey | 7 | $ 1,320,000 | $ 188,000 | $ 112,000 |
| Barnstable County Massachusetts | 6 | $ 1,156,000 | $ 192,000 | $ 113,000 |
| Los Angeles County California | 5 | $ 1,658,000 | $ 331,000 | $ 98,000 |
| Litchfield County Connecticut | 5 | $ 771,000 | $ 154,000 | $ 87,000 |
| Morris County New Jersey | 5 | $ 855,000 | $ 171,000 | $ 167,000 |
| Wake County North Carolina | 5 | $ 713,000 | $ 142,000 | $ 92,000 |
| Monroe County Pennsylvania | 5 | $ 642,000 | $ 128,000 | $ 104,000 |
| Hillsborough County Florida | 4 | $ 717,000 | $ 179,000 | $ 158,000 |
| Miami-Dade County Florida | 4 | $ 587,000 | $ 146,000 | $ 99,000 |
| Volusia County Florida | 4 | $ 342,000 | $ 85,000 | $ 47,000 |
| Ocean County New Jersey | 4 | $ 871,000 | $ 217,000 | $ 130,000 |
| Bronx County New York | 4 | $ 838,000 | $ 209,000 | $ 119,000 |
| Maricopa County Arizona | 3 | $ 342,000 | $ 114,000 | $ 139,000 |
| Cobb County Georgia | 3 | $ 747,000 | $ 249,000 | $ 85,000 |
| Fulton County Georgia | 3 | $ 486,000 | $ 162,000 | $ 54,000 |
| York County Maine | 3 | $ 235,000 | $ 78,000 | $ 64,000 |
| Bristol County Massachusetts | 3 | $ 513,000 | $ 171,000 | $ 66,000 |
| Dukes County Massachusetts | 3 | $ 550,000 | $ 183,000 | $ 55,000 |
| Camden County New Jersey | 3 | $ 304,000 | $ 101,000 | $ 87,000 |
| Mercer County New Jersey | 3 | $ 591,000 | $ 197,000 | $ 84,000 |
| Somerset County New Jersey | 3 | $ 540,000 | $ 180,000 | $ 117,000 |
| Alexandria County Virginia | 3 | $ 1,130,000 | $ 376,000 | $ 273,000 |
| Pima County Arizona | 2 | $ 288,000 | $ 144,000 | $ 104,000 |
| San Diego County California | 2 | $ 594,000 | $ 297,000 | $ 250,000 |
| San Mateo County California | 2 | $ 910,000 | $ 455,000 | $ 118,000 |
| Santa Clara County California | 2 | $ 970,000 | $ 485,000 | $ 160,000 |
| Middlesex County Connecticut | 2 | $ 348,000 | $ 174,000 | $ 103,000 |
| Orange County Florida | 2 | $ 347,000 | $ 173,000 | $ 92,000 |
| Forsyth County Georgia | 2 | $ 525,000 | $ 262,000 | $ 84,000 |
| Rockdale County Georgia | 2 | $ 76,000 | $ 38,000 | $ 46,000 |
| Cumberland County Maine | 2 | $ 189,000 | $ 94,000 | $ 59,000 |
| Montgomery County Maryland | 2 | $ 235,000 | $ 117,000 | $ 121,000 |
| Prince George's County Maryland | 2 | $ 250,000 | $ 125,000 | $ 382,000 |
| Talbot County Maryland | 2 | $ 468,000 | $ 234,000 | $ 134,000 |
| Oakland County Michigan | 2 | $ 70,000 | $ 35,000 | $ 75,000 |
| Sussex County New Jersey | 2 | $ 563,000 | $ 281,000 | $ 191,000 |
| Union County New Jersey | 2 | $ 416,000 | $ 208,000 | $ 137,000 |
| Cuyahoga County Ohio | 2 | $ 218,000 | $ 109,000 | $ 54,000 |
| Montgomery County Pennsylvania | 2 | $ 256,000 | $ 128,000 | $ 72,000 |
| Fairfax County Virginia | 2 | $ 366,000 | $ 183,000 | $ 102,000 |
| Prince William County Virginia | 2 | $ 313,000 | $ 156,000 | $ 30,000 |
| Jackson County Alabama | 1 | $ 20,000 | $ 20,000 | $ 26,000 |
| Shelby County Alabama | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Coconino County Arizona | 1 | $ 100,000 | $ 100,000 | $ 139,000 |
| El Dorado County California | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Marin County California | 1 | $ 360,000 | $ 360,000 | $ 154,000 |
| Orange County California | 1 | $ 340,000 | $ 340,000 | $ 205,000 |
| Riverside County California | 1 | $ 180,000 | $ 180,000 | $ 32,000 |
| San Francisco County California | 1 | $ 345,000 | $ 345,000 | $ 121,000 |
| Santa Cruz County California | 1 | $ 479,000 | $ 479,000 | $ 73,000 |
| Denver County Colorado | 1 | $ 247,000 | $ 247,000 | $ 64,000 |
| Routt County Colorado | 1 | $ 157,000 | $ 157,000 | $ 42,000 |
| Hartford County Connecticut | 1 | $ 140,000 | $ 140,000 | $ 80,000 |
| New London County Connecticut | 1 | $ 320,000 | $ 320,000 | $ 173,000 |
| Tolland County Connecticut | 1 | $ 166,000 | $ 166,000 | $ 80,000 |
| New Castle County Delaware | 1 | $ 156,000 | $ 156,000 | $ 108,000 |
| Sussex County Delaware | 1 | $ 185,000 | $ 185,000 | $ 155,000 |
| Collier County Florida | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Flagler County Florida | 1 | $ 176,000 | $ 176,000 | $ 73,000 |
| Indian River County Florida | 1 | $ 133,000 | $ 133,000 | $ 55,000 |
| Lake County Florida | 1 | $ 98,000 | $ 98,000 | $ 83,000 |
| Lee County Florida | 1 | $ 140,000 | $ 140,000 | $ 180,000 |
| Marion County Florida | 1 | $ 29,000 | $ 29,000 | $ 26,000 |
| Martin County Florida | 1 | $ 270,000 | $ 270,000 | $ 132,000 |
| Palm Beach County Florida | 1 | $ 164,000 | $ 164,000 | $ 91,000 |
| Seminole County Florida | 1 | $ 176,000 | $ 176,000 | $ 42,000 |
| St. Lucie County Florida | 1 | $ 200,000 | $ 200,000 | $ 219,000 |
| Chatham County Georgia | 1 | $ 169,000 | $ 169,000 | $ 63,000 |
| Muscogee County Georgia | 1 | $ 168,000 | $ 168,000 | $ 96,000 |
| DuPage County Illinois | 1 | $ 470,000 | $ 470,000 | $ 120,000 |
| Marion County Indiana | 1 | $ 117,000 | $ 117,000 | $ 65,000 |
| Lincoln County Maine | 1 | $ 180,000 | $ 180,000 | $ 67,000 |
| Charles County Maryland | 1 | $ 170,000 | $ 170,000 | $ 134,000 |
| Berkshire County Massachusetts | 1 | $ 112,000 | $ 112,000 | $ 334,000 |
| Berrien County Michigan | 1 | $ 93,000 | $ 93,000 | $ 77,000 |
| Wayne County Michigan | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Flathead County Montana | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Clark County Nevada | 1 | $ 196,000 | $ 196,000 | $ 94,000 |
| Washoe County Nevada | 1 | $ 150,000 | $ 150,000 | $ 39,000 |
| Belknap County New Hampshire | 1 | $ 60,000 | $ 60,000 | $ 51,000 |
| Cheshire County New Hampshire | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Burlington County New Jersey | 1 | $ 248,000 | $ 248,000 | $ 89,000 |
| Cape May County New Jersey | 1 | $ 256,000 | $ 256,000 | $ 140,000 |
| Hunterdon County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 114,000 |
| Columbia County New York | 1 | $ 70,000 | $ 70,000 | $ 90,000 |
| Delaware County New York | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Madison County New York | 1 | $ 126,000 | $ 126,000 | $ 159,000 |
| Oneida County New York | 1 | $ 140,000 | $ 140,000 | $ 117,000 |
| Otsego County New York | 1 | $ 128,000 | $ 128,000 | $ 38,000 |
| Rensselaer County New York | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Saratoga County New York | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Schenectady County New York | 1 | $ 40,000 | $ 40,000 | $ 94,000 |
| Sullivan County New York | 1 | $ 220,000 | $ 220,000 | $ 79,000 |
| Ulster County New York | 1 | $ 200,000 | $ 200,000 | $ 57,000 |
| Warren County New York | 1 | $ 89,000 | $ 89,000 | $ 52,000 |
| Dare County North Carolina | 1 | $ 338,000 | $ 338,000 | $ 205,000 |
| Haywood County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 64,000 |
| Orange County North Carolina | 1 | $ 176,000 | $ 176,000 | $ 74,000 |
| Butler County Ohio | 1 | $ 109,000 | $ 109,000 | $ 83,000 |
| Delaware County Ohio | 1 | $ 180,000 | $ 180,000 | $ 58,000 |
| Franklin County Ohio | 1 | $ 109,000 | $ 109,000 | $ 120,000 |
| Greene County Ohio | 1 | $ 174,000 | $ 174,000 | $ 103,000 |
| Hamilton County Ohio | 1 | $ 102,000 | $ 102,000 | $ 111,000 |
| Lucas County Ohio | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Mahoning County Ohio | 1 | $ 140,000 | $ 140,000 | $ 136,000 |
| Stark County Ohio | 1 | $ 50,000 | $ 50,000 | $ 98,000 |
| Warren County Ohio | 1 | $ 81,000 | $ 81,000 | $ 84,000 |
| Allegheny County Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 70,000 |
| Chester County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Columbia County Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 19,000 |
| Delaware County Pennsylvania | 1 | $ 81,000 | $ 81,000 | $ 68,000 |
| Northampton County Pennsylvania | 1 | $ 247,000 | $ 247,000 | $ 142,000 |
| Kent County Rhode Island | 1 | $ 320,000 | $ 320,000 | $ 270,000 |
| Newport County Rhode Island | 1 | $ 212,000 | $ 212,000 | $ 76,000 |
| Washington County Rhode Island | 1 | $ 184,000 | $ 184,000 | $ 126,000 |
| Lexington County South Carolina | 1 | $ 120,000 | $ 120,000 | $ 41,000 |
| Anderson County Texas | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Bexar County Texas | 1 | $ 180,000 | $ 180,000 | $ 123,000 |
| Dallas County Texas | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Denton County Texas | 1 | $ 79,000 | $ 79,000 | $ 54,000 |
| Gillespie County Texas | 1 | $ 295,000 | $ 295,000 | $ 530,000 |
| San Patricio County Texas | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Travis County Texas | 1 | $ 280,000 | $ 280,000 | $ 160,000 |
| Chittenden County Vermont | 1 | $ 145,000 | $ 145,000 | $ 113,000 |
| Orange County Vermont | 1 | $ 96,000 | $ 96,000 | $ 97,000 |
| Arlington County Virginia | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Bedford County Virginia | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Chesterfield County Virginia | 1 | $ 230,000 | $ 230,000 | $ 115,000 |
| Loudoun County Virginia | 1 | $ 256,000 | $ 256,000 | $ 81,000 |
| Chelan County Washington | 1 | $ 175,000 | $ 175,000 | $ 33,000 |
| King County Washington | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Kenosha County Wisconsin | 1 | $ 218,000 | $ 218,000 | $ 83,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2003
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 803 | $150,670,000 | $166,481 | $1,600,000 | $100,777 | $720,000 |
| Home Purchase (one-to-four family) | 176 | $42,207,000 | $203,944 | $900,000 | $93,555 | $351,000 |
| Home Improvement (one-to-four family) | 1 | $850,000 | $850,000 | $850,000 | $225,000 | $225,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 553 | $110,596,000 | $186,000 | $1,278,000 | $100,120 | $530,000 |
| Information not provided by applicant in mail or telephone application | 269 | $50,955,000 | $167,809 | $1,600,000 | $97,523 | $370,000 |
| Black | 64 | $13,206,000 | $155,571 | $525,000 | $94,000 | $720,000 |
| Asian or Pacific Islander | 40 | $8,703,000 | $252,909 | $878,000 | $97,545 | $288,000 |
| Hispanic | 34 | $6,618,000 | $181,000 | $420,000 | $96,888 | $388,000 |
| Other | 16 | $2,718,000 | $185,833 | $300,000 | $98,833 | $325,000 |
| American Indian or Alaskan Native | 4 | $931,000 | $235,000 | $385,000 | $99,000 | $236,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 980 | $193,727,000 | $177,413 | $1,600,000 | $96,689 | $720,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 577 | $109,866,000 | $181,280 | $1,278,000 | $98,360 | $432,000 |
| Application Withdrawn By Applicant | 312 | $65,612,000 | $184,842 | $1,600,000 | $101,578 | $530,000 |
| Application Denied By Financial Institution | 82 | $17,006,000 | $167,875 | $965,000 | $67,437 | $300,000 |
| Application Approved But Not Accepted | 6 | $938,000 | $150,200 | $260,000 | $82,200 | $163,000 |
| Loan Purchased By The Institution | 2 | $215,000 | $107,500 | $165,000 | $56,000 | $59,000 |
| File Closed For Incompleteness | 1 | $90,000 | $90,000 | $90,000 | $720,000 | $720,000 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 16 | $3,884,000 | $250,142 | $965,000 | $61,285 | $210,000 |
| Credit History | 13 | $2,255,000 | $178,714 | $248,000 | $66,142 | $131,000 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Usalliance Federal Credit Union's 2003 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Usalliance Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.