Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
Usalliance Federal Credit Union 2007 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 | 428 |
| Total Mortgage Loan Application Amount | $150,066,000 |
| Average Mortgage Loan Application Amount | $351,666 |
| Highest Mortgage Loan Application Amount | $3,640,000 |
| Average Applicant Income | $115,333 |
| Highest Applicant Income | $1,909,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 75 | $ 23,287,000 | $ 310,000 | $ 95,000 |
| Middlesex County Massachusetts | 41 | $ 21,258,000 | $ 518,000 | $ 124,000 |
| Fairfield County Connecticut | 19 | $ 6,507,000 | $ 342,000 | $ 87,000 |
| Essex County Massachusetts | 15 | $ 5,324,000 | $ 354,000 | $ 98,000 |
| Plymouth County Massachusetts | 15 | $ 5,103,000 | $ 340,000 | $ 110,000 |
| Suffolk County Massachusetts | 15 | $ 5,597,000 | $ 373,000 | $ 124,000 |
| Norfolk County Massachusetts | 11 | $ 11,747,000 | $ 1,067,000 | $ 444,000 |
| New York County New York | 7 | $ 2,864,000 | $ 409,000 | $ 195,000 |
| Putnam County New York | 7 | $ 2,197,000 | $ 313,000 | $ 115,000 |
| Queens County New York | 7 | $ 1,512,000 | $ 216,000 | $ 72,000 |
| Middlesex County New Jersey | 6 | $ 1,600,000 | $ 266,000 | $ 97,000 |
| Kings County New York | 6 | $ 2,655,000 | $ 442,000 | $ 120,000 |
| Worcester County Massachusetts | 5 | $ 1,331,000 | $ 266,000 | $ 91,000 |
| Bergen County New Jersey | 5 | $ 2,298,000 | $ 459,000 | $ 152,000 |
| Essex County New Jersey | 5 | $ 1,640,000 | $ 328,000 | $ 151,000 |
| Collier County Florida | 4 | $ 1,158,000 | $ 289,000 | $ 74,000 |
| Ocean County New Jersey | 4 | $ 650,000 | $ 162,000 | $ 76,000 |
| Dutchess County New York | 4 | $ 1,472,000 | $ 368,000 | $ 69,000 |
| Nassau County New York | 4 | $ 1,110,000 | $ 277,000 | $ 98,000 |
| Rockland County New York | 4 | $ 1,223,000 | $ 305,000 | $ 155,000 |
| Suffolk County New York | 4 | $ 1,052,000 | $ 263,000 | $ 102,000 |
| Los Angeles County California | 3 | $ 835,000 | $ 278,000 | $ 64,000 |
| Litchfield County Connecticut | 3 | $ 929,000 | $ 309,000 | $ 78,000 |
| New Haven County Connecticut | 3 | $ 2,081,000 | $ 693,000 | $ 256,000 |
| Bristol County Massachusetts | 3 | $ 979,000 | $ 326,000 | $ 67,000 |
| Hillsborough County New Hampshire | 3 | $ 557,000 | $ 185,000 | $ 130,000 |
| Rockingham County New Hampshire | 3 | $ 762,000 | $ 254,000 | $ 138,000 |
| Orange County New York | 3 | $ 851,000 | $ 283,000 | $ 120,000 |
| Providence County Rhode Island | 3 | $ 1,514,000 | $ 504,000 | $ 150,000 |
| Maricopa County Arizona | 2 | $ 954,000 | $ 477,000 | $ 204,000 |
| Miami-Dade County Florida | 2 | $ 205,000 | $ 102,000 | $ 41,000 |
| Pinellas County Florida | 2 | $ 357,000 | $ 178,000 | $ 79,000 |
| Sarasota County Florida | 2 | $ 507,000 | $ 253,000 | $ 58,000 |
| Fulton County Georgia | 2 | $ 514,000 | $ 257,000 | $ 110,000 |
| Gwinnett County Georgia | 2 | $ 405,000 | $ 202,000 | $ 77,000 |
| York County Maine | 2 | $ 397,000 | $ 198,000 | $ 130,000 |
| Montgomery County Maryland | 2 | $ 656,000 | $ 328,000 | $ 192,000 |
| Barnstable County Massachusetts | 2 | $ 281,000 | $ 140,000 | $ 109,000 |
| Burlington County New Jersey | 2 | $ 337,000 | $ 168,000 | $ 39,000 |
| Hudson County New Jersey | 2 | $ 500,000 | $ 250,000 | $ 74,000 |
| Monmouth County New Jersey | 2 | $ 440,000 | $ 220,000 | $ 18,000 |
| Union County New Jersey | 2 | $ 773,000 | $ 386,000 | $ 124,000 |
| Bronx County New York | 2 | $ 262,000 | $ 131,000 | $ 79,000 |
| Mecklenburg County North Carolina | 2 | $ 153,000 | $ 76,000 | $ 77,000 |
| Franklin County Ohio | 2 | $ 285,000 | $ 142,000 | $ 67,000 |
| Monroe County Pennsylvania | 2 | $ 220,000 | $ 110,000 | $ 76,000 |
| Alexandria County Virginia | 2 | $ 553,000 | $ 276,000 | $ 29,000 |
| Alameda County California | 1 | $ 290,000 | $ 290,000 | $ 110,000 |
| San Diego County California | 1 | $ 210,000 | $ 210,000 | $ 0 |
| Tulare County California | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Ventura County California | 1 | $ 2,495,000 | $ 2,495,000 | $ 300,000 |
| Tolland County Connecticut | 1 | $ 332,000 | $ 332,000 | $ 187,000 |
| Sussex County Delaware | 1 | $ 89,000 | $ 89,000 | $ 53,000 |
| Broward County Florida | 1 | $ 78,000 | $ 78,000 | $ 57,000 |
| Hillsborough County Florida | 1 | $ 170,000 | $ 170,000 | $ 42,000 |
| Lee County Florida | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Okaloosa County Florida | 1 | $ 375,000 | $ 375,000 | $ 250,000 |
| Orange County Florida | 1 | $ 82,000 | $ 82,000 | $ 20,000 |
| Palm Beach County Florida | 1 | $ 158,000 | $ 158,000 | $ 80,000 |
| Seminole County Florida | 1 | $ 240,000 | $ 240,000 | $ 59,000 |
| Cherokee County Georgia | 1 | $ 141,000 | $ 141,000 | $ 150,000 |
| Cobb County Georgia | 1 | $ 270,000 | $ 270,000 | $ 102,000 |
| Allen County Indiana | 1 | $ 125,000 | $ 125,000 | $ 137,000 |
| Grant County Kentucky | 1 | $ 224,000 | $ 224,000 | $ 121,000 |
| Jefferson County Louisiana | 1 | $ 222,000 | $ 222,000 | $ 68,000 |
| Cumberland County Maine | 1 | $ 260,000 | $ 260,000 | $ 234,000 |
| Washington County Maine | 1 | $ 90,000 | $ 90,000 | $ 28,000 |
| Howard County Maryland | 1 | $ 349,000 | $ 349,000 | $ 96,000 |
| Berkshire County Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 127,000 |
| Nantucket County Massachusetts | 1 | $ 400,000 | $ 400,000 | $ 272,000 |
| Cheboygan County Michigan | 1 | $ 388,000 | $ 388,000 | $ 72,000 |
| Oakland County Michigan | 1 | $ 262,000 | $ 262,000 | $ 101,000 |
| Washtenaw County Michigan | 1 | $ 139,000 | $ 139,000 | $ 233,000 |
| Hennepin County Minnesota | 1 | $ 342,000 | $ 342,000 | $ 222,000 |
| St. Louis City County Missouri | 1 | $ 192,000 | $ 192,000 | $ 95,000 |
| Cascade County Montana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cheshire County New Hampshire | 1 | $ 618,000 | $ 618,000 | $ 1,342,000 |
| Grafton County New Hampshire | 1 | $ 270,000 | $ 270,000 | $ 140,000 |
| Strafford County New Hampshire | 1 | $ 344,000 | $ 344,000 | $ 117,000 |
| Somerset County New Jersey | 1 | $ 250,000 | $ 250,000 | $ 0 |
| Delaware County New York | 1 | $ 147,000 | $ 147,000 | $ 93,000 |
| Madison County New York | 1 | $ 165,000 | $ 165,000 | $ 207,000 |
| Monroe County New York | 1 | $ 76,000 | $ 76,000 | $ 140,000 |
| Richmond County New York | 1 | $ 500,000 | $ 500,000 | $ 180,000 |
| Licking County Ohio | 1 | $ 140,000 | $ 140,000 | $ 72,000 |
| Montgomery County Ohio | 1 | $ 112,000 | $ 112,000 | $ 63,000 |
| Linn County Oregon | 1 | $ 120,000 | $ 120,000 | $ 33,000 |
| Bucks County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 267,000 |
| Lawrence County Pennsylvania | 1 | $ 30,000 | $ 30,000 | $ 31,000 |
| Dallas County Texas | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Harris County Texas | 1 | $ 260,000 | $ 260,000 | $ 90,000 |
| Travis County Texas | 1 | $ 120,000 | $ 120,000 | $ 82,000 |
| Loudoun County Virginia | 1 | $ 350,000 | $ 350,000 | $ 101,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2007
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 | 252 | $86,059,000 | $341,000 | $3,640,000 | $109,000 | $1,909,000 |
| Refinancing | 170 | $61,906,000 | $364,000 | $3,400,000 | $123,000 | $1,316,000 |
| Home Improvement | 6 | $2,101,000 | $350,000 | $560,000 | $114,000 | $157,000 |
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 | 186 | $77,623,000 | $417,000 | $3,640,000 | $146,000 | $1,909,000 |
| Not Provided | 137 | $42,899,000 | $313,000 | $1,300,000 | $91,000 | $280,000 |
| Black or African American | 50 | $13,132,000 | $262,000 | $1,000,000 | $79,000 | $219,000 |
| Asian | 26 | $8,720,000 | $335,000 | $532,000 | $102,000 | $224,000 |
| Hispanic | 25 | $6,342,000 | $253,000 | $400,000 | $106,000 | $250,000 |
| American Indian or Alaskan Native | 3 | $1,140,000 | $380,000 | $540,000 | $82,000 | $121,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $210,000 | $210,000 | $210,000 | $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) | 428 | $150,066,000 | $350,000 | $3,640,000 | $115,000 | $1,909,000 |
| 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 | 116 | $42,980,000 | $370,000 | $3,640,000 | $152,000 | $1,909,000 |
| Application Withdrawn By Applicant | 111 | $37,768,000 | $340,000 | $1,300,000 | $124,000 | $1,342,000 |
| Application Approved But Not Accepted | 89 | $30,933,000 | $347,000 | $1,900,000 | $101,000 | $303,000 |
| Application Denied By Financial Institution | 56 | $19,671,000 | $351,000 | $2,495,000 | $73,000 | $325,000 |
| Preapproval Approved but not Accepted | 49 | $16,969,000 | $346,000 | $1,200,000 | $90,000 | $319,000 |
| Preapproval Denied by Financial Institution | 7 | $1,745,000 | $249,000 | $417,000 | $50,000 | $97,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 7 | $1,469,000 | $209,000 | $340,000 | $70,000 | $158,000 |
| Debt-To-Income Ratio | 5 | $3,609,000 | $721,000 | $2,495,000 | $99,000 | $300,000 |
| Collateral | 2 | $744,000 | $372,000 | $397,000 | $81,000 | $82,000 |
| 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 2007 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.