Usalliance Federal Credit Union Mortgage Lending & HMDA Data, 2003
In 2003, Usalliance Federal Credit Union of Rye, NY reported 980 mortgage applications totaling $193.7 million. The average application was for $197,680, and applicants reported an average income of $100,874. 59% of its applications resulted in an originated loan and 8% were denied. Its largest markets were New York, NY (297), Boston, MA-NH (163) and Bergen-Passaic, NJ (37) (applications in parentheses).
| 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 | 2025 2024 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 | $197,680 |
| Highest Mortgage Loan Application Amount | $1,600,000 |
| Average Applicant Income | $100,874 |
| Highest Applicant Income | $720,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Usalliance Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Westchester, New York | 195 | $ 39,771,000 | $ 203,953 | $ 111,000 |
| Middlesex, Massachusetts | 99 | $ 21,516,000 | $ 217,333 | $ 88,000 |
| Fairfield, Connecticut | 59 | $ 15,226,000 | $ 258,067 | $ 128,000 |
| Essex, Massachusetts | 38 | $ 6,946,000 | $ 182,789 | $ 98,000 |
| Bergen, New Jersey | 30 | $ 6,908,000 | $ 230,266 | $ 156,000 |
| Putnam, New York | 27 | $ 4,864,000 | $ 180,148 | $ 110,000 |
| Dutchess, New York | 26 | $ 4,978,000 | $ 191,461 | $ 89,000 |
| Plymouth, Massachusetts | 23 | $ 4,209,000 | $ 183,000 | $ 92,000 |
| Suffolk, Massachusetts | 18 | $ 3,350,000 | $ 186,111 | $ 65,000 |
| Nassau, New York | 18 | $ 4,535,000 | $ 251,944 | $ 135,000 |
| New York, New York | 18 | $ 4,288,000 | $ 238,222 | $ 101,000 |
| Richmond, New York | 18 | $ 3,733,000 | $ 207,388 | $ 84,000 |
| Norfolk, Massachusetts | 17 | $ 3,152,000 | $ 185,411 | $ 88,000 |
| Rockland, New York | 17 | $ 3,481,000 | $ 204,764 | $ 123,000 |
| Orange, New York | 15 | $ 2,159,000 | $ 143,933 | $ 99,000 |
| Hudson, New Jersey | 14 | $ 3,360,000 | $ 240,000 | $ 96,000 |
| Worcester, Massachusetts | 13 | $ 2,425,000 | $ 186,538 | $ 103,000 |
| Rockingham, New Hampshire | 13 | $ 2,179,000 | $ 167,615 | $ 86,000 |
| Kings, New York | 13 | $ 2,621,000 | $ 201,615 | $ 73,000 |
| New Haven, Connecticut | 9 | $ 1,180,000 | $ 131,111 | $ 118,000 |
| Hillsborough, New Hampshire | 9 | $ 1,559,000 | $ 173,222 | $ 102,000 |
| Suffolk, New York | 9 | $ 1,615,000 | $ 179,444 | $ 70,000 |
| Middlesex, New Jersey | 8 | $ 1,598,000 | $ 199,750 | $ 127,000 |
| Queens, New York | 8 | $ 1,194,000 | $ 149,250 | $ 100,000 |
| Broward, Florida | 7 | $ 890,000 | $ 127,142 | $ 113,000 |
| Essex, New Jersey | 7 | $ 1,411,000 | $ 201,571 | $ 97,000 |
| Monmouth, New Jersey | 7 | $ 1,995,000 | $ 285,000 | $ 140,000 |
| Passaic, New Jersey | 7 | $ 1,320,000 | $ 188,571 | $ 112,000 |
| Barnstable, Massachusetts | 6 | $ 1,156,000 | $ 192,666 | $ 113,000 |
| Los Angeles, California | 5 | $ 1,658,000 | $ 331,600 | $ 98,000 |
| Litchfield, Connecticut | 5 | $ 771,000 | $ 154,200 | $ 87,000 |
| Morris, New Jersey | 5 | $ 855,000 | $ 171,000 | $ 167,000 |
| Wake, North Carolina | 5 | $ 713,000 | $ 142,600 | $ 92,000 |
| Monroe, Pennsylvania | 5 | $ 642,000 | $ 128,400 | $ 104,000 |
| Hillsborough, Florida | 4 | $ 717,000 | $ 179,250 | $ 158,000 |
| Miami-Dade, Florida | 4 | $ 587,000 | $ 146,750 | $ 99,000 |
| Volusia, Florida | 4 | $ 342,000 | $ 85,500 | $ 47,000 |
| Ocean, New Jersey | 4 | $ 871,000 | $ 217,750 | $ 130,000 |
| Bronx, New York | 4 | $ 838,000 | $ 209,500 | $ 119,000 |
| Maricopa, Arizona | 3 | $ 342,000 | $ 114,000 | $ 139,000 |
| Cobb, Georgia | 3 | $ 747,000 | $ 249,000 | $ 85,000 |
| Fulton, Georgia | 3 | $ 486,000 | $ 162,000 | $ 54,000 |
| York, Maine | 3 | $ 235,000 | $ 78,333 | $ 64,000 |
| Bristol, Massachusetts | 3 | $ 513,000 | $ 171,000 | $ 66,000 |
| Dukes, Massachusetts | 3 | $ 550,000 | $ 183,333 | $ 55,000 |
| Camden, New Jersey | 3 | $ 304,000 | $ 101,333 | $ 87,000 |
| Mercer, New Jersey | 3 | $ 591,000 | $ 197,000 | $ 84,000 |
| Somerset, New Jersey | 3 | $ 540,000 | $ 180,000 | $ 117,000 |
| Alexandria, Virginia | 3 | $ 1,130,000 | $ 376,666 | $ 273,000 |
| Pima, Arizona | 2 | $ 288,000 | $ 144,000 | $ 104,000 |
| San Diego, California | 2 | $ 594,000 | $ 297,000 | $ 250,000 |
| San Mateo, California | 2 | $ 910,000 | $ 455,000 | $ 118,000 |
| Santa Clara, California | 2 | $ 970,000 | $ 485,000 | $ 160,000 |
| Middlesex, Connecticut | 2 | $ 348,000 | $ 174,000 | $ 103,000 |
| Orange, Florida | 2 | $ 347,000 | $ 173,500 | $ 92,000 |
| Forsyth, Georgia | 2 | $ 525,000 | $ 262,500 | $ 84,000 |
| Rockdale, Georgia | 2 | $ 76,000 | $ 38,000 | $ 46,000 |
| Cumberland, Maine | 2 | $ 189,000 | $ 94,500 | $ 59,000 |
| Montgomery, Maryland | 2 | $ 235,000 | $ 117,500 | $ 121,000 |
| Prince George's, Maryland | 2 | $ 250,000 | $ 125,000 | $ 382,000 |
| Talbot, Maryland | 2 | $ 468,000 | $ 234,000 | $ 134,000 |
| Oakland, Michigan | 2 | $ 70,000 | $ 35,000 | $ 75,000 |
| Sussex, New Jersey | 2 | $ 563,000 | $ 281,500 | $ 191,000 |
| Union, New Jersey | 2 | $ 416,000 | $ 208,000 | $ 137,000 |
| Cuyahoga, Ohio | 2 | $ 218,000 | $ 109,000 | $ 54,000 |
| Montgomery, Pennsylvania | 2 | $ 256,000 | $ 128,000 | $ 72,000 |
| Fairfax, Virginia | 2 | $ 366,000 | $ 183,000 | $ 102,000 |
| Prince William, Virginia | 2 | $ 313,000 | $ 156,500 | $ 30,000 |
| Jackson, Alabama | 1 | $ 20,000 | $ 20,000 | $ 26,000 |
| Shelby, Alabama | 1 | $ 126,000 | $ 126,000 | $ 60,000 |
| Coconino, Arizona | 1 | $ 100,000 | $ 100,000 | $ 139,000 |
| El Dorado, California | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Marin, California | 1 | $ 360,000 | $ 360,000 | $ 154,000 |
| Orange, California | 1 | $ 340,000 | $ 340,000 | $ 205,000 |
| Riverside, California | 1 | $ 180,000 | $ 180,000 | $ 32,000 |
| San Francisco, California | 1 | $ 345,000 | $ 345,000 | $ 121,000 |
| Santa Cruz, California | 1 | $ 479,000 | $ 479,000 | $ 73,000 |
| Denver, Colorado | 1 | $ 247,000 | $ 247,000 | $ 64,000 |
| Routt, Colorado | 1 | $ 157,000 | $ 157,000 | $ 42,000 |
| Hartford, Connecticut | 1 | $ 140,000 | $ 140,000 | $ 80,000 |
| New London, Connecticut | 1 | $ 320,000 | $ 320,000 | $ 173,000 |
| Tolland, Connecticut | 1 | $ 166,000 | $ 166,000 | $ 80,000 |
| New Castle, Delaware | 1 | $ 156,000 | $ 156,000 | $ 108,000 |
| Sussex, Delaware | 1 | $ 185,000 | $ 185,000 | $ 155,000 |
| Collier, Florida | 1 | $ 65,000 | $ 65,000 | $ 32,000 |
| Flagler, Florida | 1 | $ 176,000 | $ 176,000 | $ 73,000 |
| Indian River, Florida | 1 | $ 133,000 | $ 133,000 | $ 55,000 |
| Lake, Florida | 1 | $ 98,000 | $ 98,000 | $ 83,000 |
| Lee, Florida | 1 | $ 140,000 | $ 140,000 | $ 180,000 |
| Marion, Florida | 1 | $ 29,000 | $ 29,000 | $ 26,000 |
| Martin, Florida | 1 | $ 270,000 | $ 270,000 | $ 132,000 |
| Palm Beach, Florida | 1 | $ 164,000 | $ 164,000 | $ 91,000 |
| Seminole, Florida | 1 | $ 176,000 | $ 176,000 | $ 42,000 |
| St. Lucie, Florida | 1 | $ 200,000 | $ 200,000 | $ 219,000 |
| Chatham, Georgia | 1 | $ 169,000 | $ 169,000 | $ 63,000 |
| Muscogee, Georgia | 1 | $ 168,000 | $ 168,000 | $ 96,000 |
| DuPage, Illinois | 1 | $ 470,000 | $ 470,000 | $ 120,000 |
| Marion, Indiana | 1 | $ 117,000 | $ 117,000 | $ 65,000 |
| Lincoln, Maine | 1 | $ 180,000 | $ 180,000 | $ 67,000 |
| Charles, Maryland | 1 | $ 170,000 | $ 170,000 | $ 134,000 |
| Berkshire, Massachusetts | 1 | $ 112,000 | $ 112,000 | $ 334,000 |
| Berrien, Michigan | 1 | $ 93,000 | $ 93,000 | $ 77,000 |
| Wayne, Michigan | 1 | $ 75,000 | $ 75,000 | $ 89,000 |
| Flathead, Montana | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Clark, Nevada | 1 | $ 196,000 | $ 196,000 | $ 94,000 |
| Washoe, Nevada | 1 | $ 150,000 | $ 150,000 | $ 39,000 |
| Belknap, New Hampshire | 1 | $ 60,000 | $ 60,000 | $ 51,000 |
| Cheshire, New Hampshire | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Burlington, New Jersey | 1 | $ 248,000 | $ 248,000 | $ 89,000 |
| Cape May, New Jersey | 1 | $ 256,000 | $ 256,000 | $ 140,000 |
| Hunterdon, New Jersey | 1 | $ 75,000 | $ 75,000 | $ 114,000 |
| Columbia, New York | 1 | $ 70,000 | $ 70,000 | $ 90,000 |
| Delaware, New York | 1 | $ 40,000 | $ 40,000 | $ 42,000 |
| Madison, New York | 1 | $ 126,000 | $ 126,000 | $ 159,000 |
| Oneida, New York | 1 | $ 140,000 | $ 140,000 | $ 117,000 |
| Otsego, New York | 1 | $ 128,000 | $ 128,000 | $ 38,000 |
| Rensselaer, New York | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Saratoga, New York | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Schenectady, New York | 1 | $ 40,000 | $ 40,000 | $ 94,000 |
| Sullivan, New York | 1 | $ 220,000 | $ 220,000 | $ 79,000 |
| Ulster, New York | 1 | $ 200,000 | $ 200,000 | $ 57,000 |
| Warren, New York | 1 | $ 89,000 | $ 89,000 | $ 52,000 |
| Dare, North Carolina | 1 | $ 338,000 | $ 338,000 | $ 205,000 |
| Haywood, North Carolina | 1 | $ 122,000 | $ 122,000 | $ 64,000 |
| Orange, North Carolina | 1 | $ 176,000 | $ 176,000 | $ 74,000 |
| Butler, Ohio | 1 | $ 109,000 | $ 109,000 | $ 83,000 |
| Delaware, Ohio | 1 | $ 180,000 | $ 180,000 | $ 58,000 |
| Franklin, Ohio | 1 | $ 109,000 | $ 109,000 | $ 120,000 |
| Greene, Ohio | 1 | $ 174,000 | $ 174,000 | $ 103,000 |
| Hamilton, Ohio | 1 | $ 102,000 | $ 102,000 | $ 111,000 |
| Lucas, Ohio | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Mahoning, Ohio | 1 | $ 140,000 | $ 140,000 | $ 136,000 |
| Stark, Ohio | 1 | $ 50,000 | $ 50,000 | $ 98,000 |
| Warren, Ohio | 1 | $ 81,000 | $ 81,000 | $ 84,000 |
| Allegheny, Pennsylvania | 1 | $ 82,000 | $ 82,000 | $ 70,000 |
| Chester, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 80,000 |
| Columbia, Pennsylvania | 1 | $ 46,000 | $ 46,000 | $ 19,000 |
| Delaware, Pennsylvania | 1 | $ 81,000 | $ 81,000 | $ 68,000 |
| Northampton, Pennsylvania | 1 | $ 247,000 | $ 247,000 | $ 142,000 |
| Kent, Rhode Island | 1 | $ 320,000 | $ 320,000 | $ 270,000 |
| Newport, Rhode Island | 1 | $ 212,000 | $ 212,000 | $ 76,000 |
| Washington, Rhode Island | 1 | $ 184,000 | $ 184,000 | $ 126,000 |
| Lexington, South Carolina | 1 | $ 120,000 | $ 120,000 | $ 41,000 |
| Anderson, Texas | 1 | $ 70,000 | $ 70,000 | $ 50,000 |
| Bexar, Texas | 1 | $ 180,000 | $ 180,000 | $ 123,000 |
| Dallas, Texas | 1 | $ 115,000 | $ 115,000 | $ 92,000 |
| Denton, Texas | 1 | $ 79,000 | $ 79,000 | $ 54,000 |
| Gillespie, Texas | 1 | $ 295,000 | $ 295,000 | $ 530,000 |
| San Patricio, Texas | 1 | $ 135,000 | $ 135,000 | $ 83,000 |
| Travis, Texas | 1 | $ 280,000 | $ 280,000 | $ 160,000 |
| Chittenden, Vermont | 1 | $ 145,000 | $ 145,000 | $ 113,000 |
| Orange, Vermont | 1 | $ 96,000 | $ 96,000 | $ 97,000 |
| Arlington, Virginia | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Bedford, Virginia | 1 | $ 100,000 | $ 100,000 | $ 52,000 |
| Chesterfield, Virginia | 1 | $ 230,000 | $ 230,000 | $ 115,000 |
| Loudoun, Virginia | 1 | $ 256,000 | $ 256,000 | $ 81,000 |
| Chelan, Washington | 1 | $ 175,000 | $ 175,000 | $ 33,000 |
| King, Washington | 1 | $ 215,000 | $ 215,000 | $ 59,000 |
| Kenosha, 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.
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with aggregated HMDA statistics today.
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