Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
Usalliance Federal Credit Union 2006 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 | 522 |
| Total Mortgage Loan Application Amount | $184,417,000 |
| Average Mortgage Loan Application Amount | $402,000 |
| Highest Mortgage Loan Application Amount | $5,343,000 |
| Average Applicant Income | $121,333 |
| Highest Applicant Income | $1,316,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 64 | $ 18,770,000 | $ 293,000 | $ 112,000 |
| Middlesex County Massachusetts | 59 | $ 44,574,000 | $ 755,000 | $ 162,000 |
| Essex County Massachusetts | 21 | $ 5,107,000 | $ 243,000 | $ 141,000 |
| Suffolk County Massachusetts | 20 | $ 7,646,000 | $ 382,000 | $ 112,000 |
| Fairfield County Connecticut | 17 | $ 4,561,000 | $ 268,000 | $ 139,000 |
| Plymouth County Massachusetts | 17 | $ 9,807,000 | $ 576,000 | $ 131,000 |
| Kings County New York | 11 | $ 2,315,000 | $ 210,000 | $ 87,000 |
| Middlesex County New Jersey | 10 | $ 2,061,000 | $ 206,000 | $ 92,000 |
| Bergen County New Jersey | 9 | $ 2,280,000 | $ 253,000 | $ 102,000 |
| Putnam County New York | 9 | $ 2,516,000 | $ 279,000 | $ 118,000 |
| Norfolk County Massachusetts | 8 | $ 6,805,000 | $ 850,000 | $ 281,000 |
| Barnstable County Massachusetts | 7 | $ 11,227,000 | $ 1,603,000 | $ 80,000 |
| Worcester County Massachusetts | 7 | $ 1,503,000 | $ 214,000 | $ 83,000 |
| Dutchess County New York | 7 | $ 1,601,000 | $ 228,000 | $ 79,000 |
| Hudson County New Jersey | 6 | $ 1,780,000 | $ 296,000 | $ 121,000 |
| Ocean County New Jersey | 6 | $ 1,415,000 | $ 235,000 | $ 113,000 |
| Nassau County New York | 6 | $ 2,807,000 | $ 467,000 | $ 191,000 |
| New York County New York | 6 | $ 2,931,000 | $ 488,000 | $ 146,000 |
| Queens County New York | 6 | $ 1,565,000 | $ 260,000 | $ 69,000 |
| Oxford County Maine | 5 | $ 1,064,000 | $ 212,000 | $ 273,000 |
| Hillsborough County New Hampshire | 5 | $ 752,000 | $ 150,000 | $ 104,000 |
| Bronx County New York | 5 | $ 1,542,000 | $ 308,000 | $ 70,000 |
| Orange County New York | 5 | $ 1,038,000 | $ 207,000 | $ 89,000 |
| Rockland County New York | 5 | $ 968,000 | $ 193,000 | $ 111,000 |
| Bristol County Massachusetts | 4 | $ 1,542,000 | $ 385,000 | $ 133,000 |
| Los Angeles County California | 3 | $ 1,412,000 | $ 470,000 | $ 115,000 |
| Litchfield County Connecticut | 3 | $ 425,000 | $ 141,000 | $ 129,000 |
| New Haven County Connecticut | 3 | $ 485,000 | $ 161,000 | $ 329,000 |
| New Castle County Delaware | 3 | $ 606,000 | $ 202,000 | $ 95,000 |
| Palm Beach County Florida | 3 | $ 502,000 | $ 167,000 | $ 74,000 |
| Montgomery County Maryland | 3 | $ 791,000 | $ 263,000 | $ 66,000 |
| Burlington County New Jersey | 3 | $ 513,000 | $ 171,000 | $ 116,000 |
| Essex County New Jersey | 3 | $ 755,000 | $ 251,000 | $ 146,000 |
| Richmond County New York | 3 | $ 794,000 | $ 264,000 | $ 92,000 |
| Orange County California | 2 | $ 1,200,000 | $ 600,000 | $ 145,000 |
| Pinellas County Florida | 2 | $ 117,000 | $ 58,000 | $ 123,000 |
| Seminole County Florida | 2 | $ 466,000 | $ 233,000 | $ 222,000 |
| Cobb County Georgia | 2 | $ 478,000 | $ 239,000 | $ 45,000 |
| Fulton County Georgia | 2 | $ 345,000 | $ 172,000 | $ 92,000 |
| Wayne County Michigan | 2 | $ 226,000 | $ 113,000 | $ 75,000 |
| Monmouth County New Jersey | 2 | $ 559,000 | $ 279,000 | $ 129,000 |
| Passaic County New Jersey | 2 | $ 253,000 | $ 126,000 | $ 76,000 |
| Union County New Jersey | 2 | $ 310,000 | $ 155,000 | $ 130,000 |
| Albany County New York | 2 | $ 225,000 | $ 112,000 | $ 46,000 |
| Columbia County New York | 2 | $ 179,000 | $ 89,000 | $ 47,000 |
| Suffolk County New York | 2 | $ 1,025,000 | $ 512,000 | $ 302,000 |
| Allegheny County Pennsylvania | 2 | $ 59,000 | $ 29,000 | $ 65,000 |
| Harris County Texas | 2 | $ 312,000 | $ 156,000 | $ 69,000 |
| Baldwin County Alabama | 1 | $ 176,000 | $ 176,000 | $ 44,000 |
| Maricopa County Arizona | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| Navajo County Arizona | 1 | $ 10,000 | $ 10,000 | $ 39,000 |
| Pima County Arizona | 1 | $ 290,000 | $ 290,000 | $ 183,000 |
| Ventura County California | 1 | $ 546,000 | $ 546,000 | $ 138,000 |
| Arapahoe County Colorado | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Douglas County Colorado | 1 | $ 15,000 | $ 15,000 | $ 88,000 |
| La Plata County Colorado | 1 | $ 236,000 | $ 236,000 | $ 186,000 |
| Hartford County Connecticut | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| District of Columbia County District Of Columbia | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Collier County Florida | 1 | $ 160,000 | $ 160,000 | $ 136,000 |
| Hillsborough County Florida | 1 | $ 170,000 | $ 170,000 | $ 92,000 |
| Manatee County Florida | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Martin County Florida | 1 | $ 365,000 | $ 365,000 | $ 153,000 |
| Miami-Dade County Florida | 1 | $ 250,000 | $ 250,000 | $ 56,000 |
| Orange County Florida | 1 | $ 400,000 | $ 400,000 | $ 84,000 |
| Osceola County Florida | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Pasco County Florida | 1 | $ 20,000 | $ 20,000 | $ 19,000 |
| Sarasota County Florida | 1 | $ 300,000 | $ 300,000 | $ 140,000 |
| Volusia County Florida | 1 | $ 202,000 | $ 202,000 | $ 90,000 |
| Honolulu County Hawaii | 1 | $ 500,000 | $ 500,000 | $ 100,000 |
| DuPage County Illinois | 1 | $ 415,000 | $ 415,000 | $ 147,000 |
| Morgan County Indiana | 1 | $ 24,000 | $ 24,000 | $ 73,000 |
| Fayette County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
| Kenton County Kentucky | 1 | $ 220,000 | $ 220,000 | $ 52,000 |
| York County Maine | 1 | $ 252,000 | $ 252,000 | $ 65,000 |
| Baltimore County Maryland | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Baltimore City County Maryland | 1 | $ 360,000 | $ 360,000 | $ 105,000 |
| Charles County Maryland | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Howard County Maryland | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Prince George's County Maryland | 1 | $ 252,000 | $ 252,000 | $ 107,000 |
| Livingston County Michigan | 1 | $ 220,000 | $ 220,000 | $ 112,000 |
| Oakland County Michigan | 1 | $ 40,000 | $ 40,000 | $ 70,000 |
| St. Louis County Missouri | 1 | $ 54,000 | $ 54,000 | $ 100,000 |
| Clark County Nevada | 1 | $ 400,000 | $ 400,000 | $ 232,000 |
| Belknap County New Hampshire | 1 | $ 170,000 | $ 170,000 | $ 9,000 |
| Merrimack County New Hampshire | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Rockingham County New Hampshire | 1 | $ 40,000 | $ 40,000 | $ 61,000 |
| Hunterdon County New Jersey | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Mercer County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Morris County New Jersey | 1 | $ 417,000 | $ 417,000 | $ 78,000 |
| Sussex County New Jersey | 1 | $ 220,000 | $ 220,000 | $ 149,000 |
| Clinton County New York | 1 | $ 98,000 | $ 98,000 | $ 74,000 |
| Essex County New York | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| Saratoga County New York | 1 | $ 160,000 | $ 160,000 | $ 51,000 |
| Schenectady County New York | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Warren County New York | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Cabarrus County North Carolina | 1 | $ 270,000 | $ 270,000 | $ 66,000 |
| Johnston County North Carolina | 1 | $ 46,000 | $ 46,000 | $ 46,000 |
| Wake County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 170,000 |
| Butler County Ohio | 1 | $ 257,000 | $ 257,000 | $ 77,000 |
| Franklin County Ohio | 1 | $ 83,000 | $ 83,000 | $ 44,000 |
| Lackawanna County Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 24,000 |
| Montgomery County Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 55,000 |
| Philadelphia County Pennsylvania | 1 | $ 270,000 | $ 270,000 | $ 59,000 |
| Horry County South Carolina | 1 | $ 170,000 | $ 170,000 | $ 65,000 |
| Dallas County Texas | 1 | $ 135,000 | $ 135,000 | $ 125,000 |
| Denton County Texas | 1 | $ 86,000 | $ 86,000 | $ 61,000 |
| Windham County Vermont | 1 | $ 89,000 | $ 89,000 | $ 65,000 |
| Franklin County Virginia | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Stafford County Virginia | 1 | $ 300,000 | $ 300,000 | $ 112,000 |
| Chelan County Washington | 1 | $ 171,000 | $ 171,000 | $ 38,000 |
| King County Washington | 1 | $ 220,000 | $ 220,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2006
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 | 267 | $99,097,000 | $371,000 | $3,979,000 | $105,000 | $585,000 |
| Refinancing | 247 | $81,270,000 | $329,000 | $5,343,000 | $129,000 | $1,316,000 |
| Home Improvement | 8 | $4,050,000 | $506,000 | $999,000 | $130,000 | $324,000 |
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 |
|---|---|---|---|---|---|---|
| Not Provided | 210 | $52,146,000 | $248,000 | $2,200,000 | $111,000 | $549,000 |
| White | 207 | $103,608,000 | $500,000 | $5,343,000 | $136,000 | $1,316,000 |
| Black or African American | 66 | $16,497,000 | $249,000 | $532,000 | $82,000 | $233,000 |
| Hispanic | 20 | $6,149,000 | $307,000 | $600,000 | $74,000 | $122,000 |
| Asian | 16 | $5,730,000 | $358,000 | $910,000 | $137,000 | $266,000 |
| American Indian or Alaskan Native | 2 | $123,000 | $61,000 | $88,000 | $21,000 | $42,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $164,000 | $164,000 | $164,000 | $90,000 | $90,000 |
| 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) | 522 | $184,417,000 | $353,000 | $5,343,000 | $116,000 | $1,316,000 |
| 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 | 195 | $54,258,000 | $278,000 | $3,400,000 | $121,000 | $1,316,000 |
| Application Withdrawn By Applicant | 108 | $39,977,000 | $370,000 | $2,800,000 | $121,000 | $549,000 |
| Application Approved But Not Accepted | 85 | $50,896,000 | $598,000 | $5,343,000 | $148,000 | $625,000 |
| Preapproval Approved but not Accepted | 64 | $18,825,000 | $294,000 | $1,000,000 | $100,000 | $319,000 |
| Application Denied By Financial Institution | 54 | $16,566,000 | $306,000 | $850,000 | $80,000 | $329,000 |
| Preapproval Denied by Financial Institution | 13 | $3,344,000 | $257,000 | $436,000 | $48,000 | $87,000 |
| Loan Purchased By The Institution | 3 | $551,000 | $183,000 | $223,000 | $63,000 | $69,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 19 | $5,939,000 | $312,000 | $600,000 | $70,000 | $329,000 |
| Credit History | 13 | $3,892,000 | $299,000 | $625,000 | $82,000 | $183,000 |
| Collateral | 2 | $158,000 | $79,000 | $88,000 | $38,000 | $77,000 |
| 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 2006 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.