Usalliance Federal Credit Union Mortgage Lending & HMDA Data, 2006
In 2006, Usalliance Federal Credit Union of Rye, NY reported 522 mortgage applications totaling $184.4 million, up 21% from 2005. The average application was for $353,289, and applicants reported an average income of $116,739. 37% of its applications resulted in an originated loan and 10% were denied. Its largest markets were New York-White Plains-Wayne, NY-NJ (126), Cambridge-Newton-Framingham, MA (59) and Boston-Quincy, MA (45) (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 | 522 |
| Total Mortgage Loan Application Amount | $184,417,000 |
| Average Mortgage Loan Application Amount | $353,289 |
| Highest Mortgage Loan Application Amount | $5,343,000 |
| Average Applicant Income | $116,739 |
| Highest Applicant Income | $1,316,000 |
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records Usalliance Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 64 | $ 18,770,000 | $ 293,281 | $ 112,000 |
| Middlesex, Massachusetts | 59 | $ 44,574,000 | $ 755,491 | $ 162,000 |
| Essex, Massachusetts | 21 | $ 5,107,000 | $ 243,190 | $ 141,000 |
| Suffolk, Massachusetts | 20 | $ 7,646,000 | $ 382,300 | $ 112,000 |
| Fairfield, Connecticut | 17 | $ 4,561,000 | $ 268,294 | $ 139,000 |
| Plymouth, Massachusetts | 17 | $ 9,807,000 | $ 576,882 | $ 131,000 |
| Kings, New York | 11 | $ 2,315,000 | $ 210,454 | $ 87,000 |
| Middlesex, New Jersey | 10 | $ 2,061,000 | $ 206,100 | $ 92,000 |
| Bergen, New Jersey | 9 | $ 2,280,000 | $ 253,333 | $ 102,000 |
| Putnam, New York | 9 | $ 2,516,000 | $ 279,555 | $ 118,000 |
| Norfolk, Massachusetts | 8 | $ 6,805,000 | $ 850,625 | $ 281,000 |
| Barnstable, Massachusetts | 7 | $ 11,227,000 | $ 1,603,857 | $ 80,000 |
| Worcester, Massachusetts | 7 | $ 1,503,000 | $ 214,714 | $ 83,000 |
| Dutchess, New York | 7 | $ 1,601,000 | $ 228,714 | $ 79,000 |
| Hudson, New Jersey | 6 | $ 1,780,000 | $ 296,666 | $ 121,000 |
| Ocean, New Jersey | 6 | $ 1,415,000 | $ 235,833 | $ 113,000 |
| Nassau, New York | 6 | $ 2,807,000 | $ 467,833 | $ 191,000 |
| New York, New York | 6 | $ 2,931,000 | $ 488,500 | $ 146,000 |
| Queens, New York | 6 | $ 1,565,000 | $ 260,833 | $ 69,000 |
| Oxford, Maine | 5 | $ 1,064,000 | $ 212,800 | $ 273,000 |
| Hillsborough, New Hampshire | 5 | $ 752,000 | $ 150,400 | $ 104,000 |
| Bronx, New York | 5 | $ 1,542,000 | $ 308,400 | $ 70,000 |
| Orange, New York | 5 | $ 1,038,000 | $ 207,600 | $ 89,000 |
| Rockland, New York | 5 | $ 968,000 | $ 193,600 | $ 111,000 |
| Bristol, Massachusetts | 4 | $ 1,542,000 | $ 385,500 | $ 133,000 |
| Los Angeles, California | 3 | $ 1,412,000 | $ 470,666 | $ 115,000 |
| Litchfield, Connecticut | 3 | $ 425,000 | $ 141,666 | $ 129,000 |
| New Haven, Connecticut | 3 | $ 485,000 | $ 161,666 | $ 329,000 |
| New Castle, Delaware | 3 | $ 606,000 | $ 202,000 | $ 95,000 |
| Palm Beach, Florida | 3 | $ 502,000 | $ 167,333 | $ 74,000 |
| Montgomery, Maryland | 3 | $ 791,000 | $ 263,666 | $ 66,000 |
| Burlington, New Jersey | 3 | $ 513,000 | $ 171,000 | $ 116,000 |
| Essex, New Jersey | 3 | $ 755,000 | $ 251,666 | $ 146,000 |
| Richmond, New York | 3 | $ 794,000 | $ 264,666 | $ 92,000 |
| Orange, California | 2 | $ 1,200,000 | $ 600,000 | $ 145,000 |
| Pinellas, Florida | 2 | $ 117,000 | $ 58,500 | $ 123,000 |
| Seminole, Florida | 2 | $ 466,000 | $ 233,000 | $ 222,000 |
| Cobb, Georgia | 2 | $ 478,000 | $ 239,000 | $ 45,000 |
| Fulton, Georgia | 2 | $ 345,000 | $ 172,500 | $ 92,000 |
| Wayne, Michigan | 2 | $ 226,000 | $ 113,000 | $ 75,000 |
| Monmouth, New Jersey | 2 | $ 559,000 | $ 279,500 | $ 129,000 |
| Passaic, New Jersey | 2 | $ 253,000 | $ 126,500 | $ 76,000 |
| Union, New Jersey | 2 | $ 310,000 | $ 155,000 | $ 130,000 |
| Albany, New York | 2 | $ 225,000 | $ 112,500 | $ 46,000 |
| Columbia, New York | 2 | $ 179,000 | $ 89,500 | $ 47,000 |
| Suffolk, New York | 2 | $ 1,025,000 | $ 512,500 | $ 302,000 |
| Allegheny, Pennsylvania | 2 | $ 59,000 | $ 29,500 | $ 65,000 |
| Harris, Texas | 2 | $ 312,000 | $ 156,000 | $ 69,000 |
| Baldwin, Alabama | 1 | $ 176,000 | $ 176,000 | $ 44,000 |
| Maricopa, Arizona | 1 | $ 60,000 | $ 60,000 | $ 53,000 |
| Navajo, Arizona | 1 | $ 10,000 | $ 10,000 | $ 39,000 |
| Pima, Arizona | 1 | $ 290,000 | $ 290,000 | $ 183,000 |
| Ventura, California | 1 | $ 546,000 | $ 546,000 | $ 138,000 |
| Arapahoe, Colorado | 1 | $ 165,000 | $ 165,000 | $ 60,000 |
| Douglas, Colorado | 1 | $ 15,000 | $ 15,000 | $ 88,000 |
| La Plata, Colorado | 1 | $ 236,000 | $ 236,000 | $ 186,000 |
| Hartford, Connecticut | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| District of Columbia, District Of Columbia | 1 | $ 155,000 | $ 155,000 | $ 58,000 |
| Collier, Florida | 1 | $ 160,000 | $ 160,000 | $ 136,000 |
| Hillsborough, Florida | 1 | $ 170,000 | $ 170,000 | $ 92,000 |
| Manatee, Florida | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
| Martin, Florida | 1 | $ 365,000 | $ 365,000 | $ 153,000 |
| Miami-Dade, Florida | 1 | $ 250,000 | $ 250,000 | $ 56,000 |
| Orange, Florida | 1 | $ 400,000 | $ 400,000 | $ 84,000 |
| Osceola, Florida | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Pasco, Florida | 1 | $ 20,000 | $ 20,000 | $ 19,000 |
| Sarasota, Florida | 1 | $ 300,000 | $ 300,000 | $ 140,000 |
| Volusia, Florida | 1 | $ 202,000 | $ 202,000 | $ 90,000 |
| Honolulu, Hawaii | 1 | $ 500,000 | $ 500,000 | $ 100,000 |
| DuPage, Illinois | 1 | $ 415,000 | $ 415,000 | $ 147,000 |
| Morgan, Indiana | 1 | $ 24,000 | $ 24,000 | $ 73,000 |
| Fayette, Kentucky | 1 | $ 175,000 | $ 175,000 | $ 130,000 |
| Kenton, Kentucky | 1 | $ 220,000 | $ 220,000 | $ 52,000 |
| York, Maine | 1 | $ 252,000 | $ 252,000 | $ 65,000 |
| Baltimore, Maryland | 1 | $ 205,000 | $ 205,000 | $ 50,000 |
| Baltimore City, Maryland | 1 | $ 360,000 | $ 360,000 | $ 105,000 |
| Charles, Maryland | 1 | $ 225,000 | $ 225,000 | $ 112,000 |
| Howard, Maryland | 1 | $ 25,000 | $ 25,000 | $ 45,000 |
| Prince George's, Maryland | 1 | $ 252,000 | $ 252,000 | $ 107,000 |
| Livingston, Michigan | 1 | $ 220,000 | $ 220,000 | $ 112,000 |
| Oakland, Michigan | 1 | $ 40,000 | $ 40,000 | $ 70,000 |
| St. Louis, Missouri | 1 | $ 54,000 | $ 54,000 | $ 100,000 |
| Clark, Nevada | 1 | $ 400,000 | $ 400,000 | $ 232,000 |
| Belknap, New Hampshire | 1 | $ 170,000 | $ 170,000 | $ 9,000 |
| Merrimack, New Hampshire | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Rockingham, New Hampshire | 1 | $ 40,000 | $ 40,000 | $ 61,000 |
| Hunterdon, New Jersey | 1 | $ 150,000 | $ 150,000 | $ 29,000 |
| Mercer, New Jersey | 1 | $ 25,000 | $ 25,000 | $ 85,000 |
| Morris, New Jersey | 1 | $ 417,000 | $ 417,000 | $ 78,000 |
| Sussex, New Jersey | 1 | $ 220,000 | $ 220,000 | $ 149,000 |
| Clinton, New York | 1 | $ 98,000 | $ 98,000 | $ 74,000 |
| Essex, New York | 1 | $ 150,000 | $ 150,000 | $ 57,000 |
| Saratoga, New York | 1 | $ 160,000 | $ 160,000 | $ 51,000 |
| Schenectady, New York | 1 | $ 88,000 | $ 88,000 | $ 0 |
| Warren, New York | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Cabarrus, North Carolina | 1 | $ 270,000 | $ 270,000 | $ 66,000 |
| Johnston, North Carolina | 1 | $ 46,000 | $ 46,000 | $ 46,000 |
| Wake, North Carolina | 1 | $ 295,000 | $ 295,000 | $ 170,000 |
| Butler, Ohio | 1 | $ 257,000 | $ 257,000 | $ 77,000 |
| Franklin, Ohio | 1 | $ 83,000 | $ 83,000 | $ 44,000 |
| Lackawanna, Pennsylvania | 1 | $ 90,000 | $ 90,000 | $ 24,000 |
| Montgomery, Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 55,000 |
| Philadelphia, Pennsylvania | 1 | $ 270,000 | $ 270,000 | $ 59,000 |
| Horry, South Carolina | 1 | $ 170,000 | $ 170,000 | $ 65,000 |
| Dallas, Texas | 1 | $ 135,000 | $ 135,000 | $ 125,000 |
| Denton, Texas | 1 | $ 86,000 | $ 86,000 | $ 61,000 |
| Windham, Vermont | 1 | $ 89,000 | $ 89,000 | $ 65,000 |
| Franklin, Virginia | 1 | $ 25,000 | $ 25,000 | $ 78,000 |
| Stafford, Virginia | 1 | $ 300,000 | $ 300,000 | $ 112,000 |
| Chelan, Washington | 1 | $ 171,000 | $ 171,000 | $ 38,000 |
| King, 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.
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