Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
Usalliance Federal Credit Union 2005 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 | 432 |
| Total Mortgage Loan Application Amount | $139,176,000 |
| Average Mortgage Loan Application Amount | $229,363 |
| Highest Mortgage Loan Application Amount | $3,000,000 |
| Average Applicant Income | $108,931 |
| Highest Applicant Income | $1,029,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 41 | $ 10,482,000 | $ 255,000 | $ 98,000 |
| Middlesex County Massachusetts | 38 | $ 23,834,000 | $ 627,000 | $ 189,000 |
| Fairfield County Connecticut | 20 | $ 5,384,000 | $ 269,000 | $ 108,000 |
| Plymouth County Massachusetts | 16 | $ 7,119,000 | $ 444,000 | $ 175,000 |
| Essex County Massachusetts | 15 | $ 4,467,000 | $ 297,000 | $ 97,000 |
| Worcester County Massachusetts | 11 | $ 3,275,000 | $ 297,000 | $ 73,000 |
| Norfolk County Massachusetts | 10 | $ 10,382,000 | $ 1,038,000 | $ 270,000 |
| Dutchess County New York | 9 | $ 1,293,000 | $ 143,000 | $ 142,000 |
| Putnam County New York | 9 | $ 2,551,000 | $ 283,000 | $ 136,000 |
| Suffolk County Massachusetts | 7 | $ 1,738,000 | $ 248,000 | $ 64,000 |
| Bergen County New Jersey | 7 | $ 1,730,000 | $ 247,000 | $ 114,000 |
| Hudson County New Jersey | 7 | $ 1,696,000 | $ 242,000 | $ 93,000 |
| Kings County New York | 7 | $ 1,878,000 | $ 268,000 | $ 82,000 |
| Rockland County New York | 7 | $ 1,567,000 | $ 223,000 | $ 115,000 |
| New Haven County Connecticut | 6 | $ 2,144,000 | $ 357,000 | $ 203,000 |
| Orange County New York | 6 | $ 1,203,000 | $ 200,000 | $ 68,000 |
| Hillsborough County New Hampshire | 5 | $ 616,000 | $ 123,000 | $ 92,000 |
| New York County New York | 5 | $ 1,775,000 | $ 355,000 | $ 118,000 |
| Queens County New York | 5 | $ 1,394,000 | $ 278,000 | $ 75,000 |
| Bristol County Massachusetts | 4 | $ 1,841,000 | $ 460,000 | $ 162,000 |
| Rockingham County New Hampshire | 4 | $ 699,000 | $ 174,000 | $ 84,000 |
| Mercer County New Jersey | 4 | $ 1,025,000 | $ 256,000 | $ 150,000 |
| Nassau County New York | 4 | $ 1,239,000 | $ 309,000 | $ 152,000 |
| Suffolk County New York | 4 | $ 1,208,000 | $ 302,000 | $ 81,000 |
| Maricopa County Arizona | 3 | $ 535,000 | $ 178,000 | $ 75,000 |
| Litchfield County Connecticut | 3 | $ 1,033,000 | $ 344,000 | $ 104,000 |
| Barnstable County Massachusetts | 3 | $ 1,555,000 | $ 518,000 | $ 284,000 |
| Middlesex County New Jersey | 3 | $ 886,000 | $ 295,000 | $ 77,000 |
| Monmouth County New Jersey | 3 | $ 1,380,000 | $ 460,000 | $ 204,000 |
| Passaic County New Jersey | 3 | $ 628,000 | $ 209,000 | $ 68,000 |
| Bronx County New York | 3 | $ 562,000 | $ 187,000 | $ 76,000 |
| Providence County Rhode Island | 3 | $ 1,191,000 | $ 397,000 | $ 126,000 |
| Hartford County Connecticut | 2 | $ 750,000 | $ 375,000 | $ 119,000 |
| Broward County Florida | 2 | $ 385,000 | $ 192,000 | $ 126,000 |
| Collier County Florida | 2 | $ 508,000 | $ 254,000 | $ 116,000 |
| Miami-Dade County Florida | 2 | $ 326,000 | $ 163,000 | $ 70,000 |
| Seminole County Florida | 2 | $ 383,000 | $ 191,000 | $ 109,000 |
| St. Lucie County Florida | 2 | $ 437,000 | $ 218,000 | $ 136,000 |
| Merrimack County New Hampshire | 2 | $ 542,000 | $ 271,000 | $ 0 |
| Essex County New Jersey | 2 | $ 534,000 | $ 267,000 | $ 120,000 |
| Somerset County New Jersey | 2 | $ 585,000 | $ 292,000 | $ 110,000 |
| Monroe County Pennsylvania | 2 | $ 355,000 | $ 177,000 | $ 58,000 |
| Philadelphia County Pennsylvania | 2 | $ 455,000 | $ 227,000 | $ 56,000 |
| Horry County South Carolina | 2 | $ 306,000 | $ 153,000 | $ 79,000 |
| DeKalb County Alabama | 1 | $ 60,000 | $ 60,000 | $ 120,000 |
| Riverside County California | 1 | $ 242,000 | $ 242,000 | $ 91,000 |
| Denver County Colorado | 1 | $ 200,000 | $ 200,000 | $ 151,000 |
| New London County Connecticut | 1 | $ 200,000 | $ 200,000 | $ 128,000 |
| Brevard County Florida | 1 | $ 207,000 | $ 207,000 | $ 76,000 |
| Citrus County Florida | 1 | $ 71,000 | $ 71,000 | $ 20,000 |
| Lee County Florida | 1 | $ 240,000 | $ 240,000 | $ 40,000 |
| Manatee County Florida | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Palm Beach County Florida | 1 | $ 280,000 | $ 280,000 | $ 94,000 |
| Pinellas County Florida | 1 | $ 228,000 | $ 228,000 | $ 128,000 |
| St. Johns County Florida | 1 | $ 169,000 | $ 169,000 | $ 72,000 |
| Sumter County Florida | 1 | $ 90,000 | $ 90,000 | $ 19,000 |
| Cobb County Georgia | 1 | $ 99,000 | $ 99,000 | $ 57,000 |
| Douglas County Georgia | 1 | $ 221,000 | $ 221,000 | $ 98,000 |
| Forsyth County Georgia | 1 | $ 150,000 | $ 150,000 | $ 61,000 |
| Gwinnett County Georgia | 1 | $ 274,000 | $ 274,000 | $ 94,000 |
| Honolulu County Hawaii | 1 | $ 158,000 | $ 158,000 | $ 444,000 |
| Allen County Indiana | 1 | $ 124,000 | $ 124,000 | $ 74,000 |
| Franklin County Maine | 1 | $ 88,000 | $ 88,000 | $ 135,000 |
| Charles County Maryland | 1 | $ 225,000 | $ 225,000 | $ 110,000 |
| Prince George's County Maryland | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Hampden County Massachusetts | 1 | $ 210,000 | $ 210,000 | $ 62,000 |
| Berrien County Michigan | 1 | $ 140,000 | $ 140,000 | $ 84,000 |
| Cheboygan County Michigan | 1 | $ 300,000 | $ 300,000 | $ 46,000 |
| Wayne County Michigan | 1 | $ 65,000 | $ 65,000 | $ 54,000 |
| Hennepin County Minnesota | 1 | $ 95,000 | $ 95,000 | $ 176,000 |
| Ramsey County Minnesota | 1 | $ 165,000 | $ 165,000 | $ 120,000 |
| Clark County Nevada | 1 | $ 275,000 | $ 275,000 | $ 50,000 |
| Belknap County New Hampshire | 1 | $ 300,000 | $ 300,000 | $ 98,000 |
| Burlington County New Jersey | 1 | $ 320,000 | $ 320,000 | $ 111,000 |
| Camden County New Jersey | 1 | $ 272,000 | $ 272,000 | $ 85,000 |
| Ocean County New Jersey | 1 | $ 217,000 | $ 217,000 | $ 108,000 |
| Union County New Jersey | 1 | $ 204,000 | $ 204,000 | $ 53,000 |
| Sandoval County New Mexico | 1 | $ 160,000 | $ 160,000 | $ 67,000 |
| Delaware County New York | 1 | $ 45,000 | $ 45,000 | $ 97,000 |
| Rensselaer County New York | 1 | $ 20,000 | $ 20,000 | $ 78,000 |
| Richmond County New York | 1 | $ 204,000 | $ 204,000 | $ 83,000 |
| Ulster County New York | 1 | $ 220,000 | $ 220,000 | $ 42,000 |
| Washington County New York | 1 | $ 100,000 | $ 100,000 | $ 131,000 |
| Chatham County North Carolina | 1 | $ 239,000 | $ 239,000 | $ 106,000 |
| Forsyth County North Carolina | 1 | $ 178,000 | $ 178,000 | $ 90,000 |
| Mecklenburg County North Carolina | 1 | $ 73,000 | $ 73,000 | $ 35,000 |
| Butler County Ohio | 1 | $ 230,000 | $ 230,000 | $ 137,000 |
| Clark County Ohio | 1 | $ 167,000 | $ 167,000 | $ 77,000 |
| Cuyahoga County Ohio | 1 | $ 157,000 | $ 157,000 | $ 69,000 |
| Montgomery County Ohio | 1 | $ 140,000 | $ 140,000 | $ 37,000 |
| Allegheny County Pennsylvania | 1 | $ 195,000 | $ 195,000 | $ 73,000 |
| Lackawanna County Pennsylvania | 1 | $ 400,000 | $ 400,000 | $ 217,000 |
| Anderson County Texas | 1 | $ 50,000 | $ 50,000 | $ 57,000 |
| Fayette County West Virginia | 1 | $ 30,000 | $ 30,000 | $ 17,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2005
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 227 | $68,959,000 | $221,700 | $1,430,000 | $110,900 | $770,000 |
| Refinancing | 192 | $58,947,000 | $190,550 | $2,940,000 | $94,850 | $872,000 |
| Home Improvement | 13 | $11,270,000 | $461,750 | $3,000,000 | $169,500 | $1,029,000 |
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 | 196 | $70,739,000 | $229,772 | $3,000,000 | $116,590 | $1,029,000 |
| Not Provided | 143 | $44,036,000 | $229,000 | $2,500,000 | $100,285 | $770,000 |
| Black or African American | 54 | $12,552,000 | $200,357 | $500,000 | $71,071 | $472,000 |
| Asian | 19 | $6,645,000 | $326,500 | $880,000 | $102,250 | $303,000 |
| Hispanic | 15 | $3,736,000 | $231,833 | $360,000 | $66,166 | $110,000 |
| American Indian or Alaskan Native | 5 | $1,468,000 | $284,750 | $440,000 | $171,500 | $375,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 432 | $139,176,000 | $199,148 | $3,000,000 | $104,481 | $1,029,000 |
| 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 | 182 | $57,482,000 | $205,900 | $3,000,000 | $97,650 | $1,029,000 |
| Application Withdrawn By Applicant | 104 | $34,009,000 | $238,230 | $2,500,000 | $108,384 | $648,000 |
| Preapproval Approved but not Accepted | 65 | $21,098,000 | $324,000 | $900,000 | $98,000 | $770,000 |
| Application Approved But Not Accepted | 43 | $16,065,000 | $275,272 | $1,000,000 | $101,727 | $418,000 |
| Application Denied By Financial Institution | 21 | $5,662,000 | $256,222 | $650,000 | $82,555 | $151,000 |
| Preapproval Denied by Financial Institution | 14 | $4,214,000 | $301,000 | $720,000 | $77,000 | $287,000 |
| File Closed For Incompleteness | 3 | $646,000 | $176,500 | $500,000 | $82,500 | $129,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 9 | $2,874,000 | $296,666 | $720,000 | $80,000 | $250,000 |
| Debt-To-Income Ratio | 7 | $2,022,000 | $293,800 | $478,000 | $56,000 | $80,000 |
| Collateral | 1 | $280,000 | $280,000 | $280,000 | $123,000 | $123,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $358,000 | $358,000 | $358,000 | $70,000 | $70,000 |
| Other | 1 | $387,000 | $387,000 | $387,000 | $57,000 | $57,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Usalliance Federal Credit Union's 2005 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.