Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
Usalliance Federal Credit Union 2010 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 | 489 |
| Total Mortgage Loan Application Amount | $116,712,000 |
| Average Mortgage Loan Application Amount | $243,500 |
| Highest Mortgage Loan Application Amount | $1,336,000 |
| Average Applicant Income | $144,000 |
| Highest Applicant Income | $1,920,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 69 | $ 17,261,000 | $ 250,000 | $ 142,000 |
| Middlesex County Massachusetts | 50 | $ 13,351,000 | $ 267,000 | $ 125,000 |
| Fairfield County Connecticut | 33 | $ 10,663,000 | $ 323,000 | $ 191,000 |
| Essex County Massachusetts | 25 | $ 4,060,000 | $ 162,000 | $ 130,000 |
| Suffolk County Massachusetts | 17 | $ 3,395,000 | $ 199,000 | $ 159,000 |
| Norfolk County Massachusetts | 16 | $ 4,469,000 | $ 279,000 | $ 125,000 |
| New Haven County Connecticut | 8 | $ 1,201,000 | $ 150,000 | $ 154,000 |
| Plymouth County Massachusetts | 8 | $ 1,867,000 | $ 233,000 | $ 122,000 |
| Bergen County New Jersey | 8 | $ 1,730,000 | $ 216,000 | $ 139,000 |
| New York County New York | 8 | $ 2,446,000 | $ 305,000 | $ 240,000 |
| Putnam County New York | 8 | $ 1,398,000 | $ 174,000 | $ 120,000 |
| Nassau County New York | 7 | $ 1,833,000 | $ 261,000 | $ 161,000 |
| Queens County New York | 7 | $ 1,505,000 | $ 215,000 | $ 131,000 |
| Worcester County Massachusetts | 5 | $ 1,253,000 | $ 250,000 | $ 120,000 |
| Bronx County New York | 5 | $ 911,000 | $ 182,000 | $ 101,000 |
| Kings County New York | 5 | $ 854,000 | $ 170,000 | $ 266,000 |
| Suffolk County New York | 5 | $ 1,469,000 | $ 293,000 | $ 141,000 |
| Broward County Florida | 4 | $ 346,000 | $ 86,000 | $ 681,000 |
| Essex County New Jersey | 4 | $ 854,000 | $ 213,000 | $ 129,000 |
| Passaic County New Jersey | 4 | $ 1,105,000 | $ 276,000 | $ 126,000 |
| Dutchess County New York | 4 | $ 958,000 | $ 239,000 | $ 118,000 |
| Maricopa County Arizona | 3 | $ 425,000 | $ 141,000 | $ 126,000 |
| Hudson County New Jersey | 3 | $ 330,000 | $ 110,000 | $ 39,000 |
| Middlesex County New Jersey | 3 | $ 598,000 | $ 199,000 | $ 113,000 |
| Ocean County New Jersey | 3 | $ 767,000 | $ 255,000 | $ 152,000 |
| Somerset County New Jersey | 3 | $ 955,000 | $ 318,000 | $ 138,000 |
| Rockland County New York | 3 | $ 734,000 | $ 244,000 | $ 129,000 |
| Hartford County Connecticut | 2 | $ 185,000 | $ 92,000 | $ 92,000 |
| Litchfield County Connecticut | 2 | $ 516,000 | $ 258,000 | $ 103,000 |
| New Castle County Delaware | 2 | $ 300,000 | $ 150,000 | $ 95,000 |
| Brevard County Florida | 2 | $ 275,000 | $ 137,000 | $ 167,000 |
| Lee County Florida | 2 | $ 365,000 | $ 182,000 | $ 147,000 |
| St. Lucie County Florida | 2 | $ 257,000 | $ 128,000 | $ 78,000 |
| DeKalb County Georgia | 2 | $ 130,000 | $ 65,000 | $ 62,000 |
| Barnstable County Massachusetts | 2 | $ 658,000 | $ 329,000 | $ 115,000 |
| Grafton County New Hampshire | 2 | $ 160,000 | $ 80,000 | $ 165,000 |
| Rockingham County New Hampshire | 2 | $ 442,000 | $ 221,000 | $ 92,000 |
| Monmouth County New Jersey | 2 | $ 545,000 | $ 272,000 | $ 152,000 |
| Union County New Jersey | 2 | $ 760,000 | $ 380,000 | $ 209,000 |
| Orange County New York | 2 | $ 541,000 | $ 270,000 | $ 195,000 |
| Richmond County New York | 2 | $ 250,000 | $ 125,000 | $ 65,000 |
| Saratoga County New York | 2 | $ 430,000 | $ 215,000 | $ 220,000 |
| Wake County North Carolina | 2 | $ 140,000 | $ 70,000 | $ 90,000 |
| Delaware County Pennsylvania | 2 | $ 335,000 | $ 167,000 | $ 82,000 |
| Monroe County Pennsylvania | 2 | $ 248,000 | $ 124,000 | $ 415,000 |
| Dallas County Texas | 2 | $ 735,000 | $ 367,000 | $ 123,000 |
| King County Washington | 2 | $ 395,000 | $ 197,000 | $ 72,000 |
| Los Angeles County California | 1 | $ 485,000 | $ 485,000 | $ 67,000 |
| Arapahoe County Colorado | 1 | $ 137,000 | $ 137,000 | $ 108,000 |
| Douglas County Colorado | 1 | $ 69,000 | $ 69,000 | $ 61,000 |
| La Plata County Colorado | 1 | $ 326,000 | $ 326,000 | $ 67,000 |
| New London County Connecticut | 1 | $ 210,000 | $ 210,000 | $ 213,000 |
| Hillsborough County Florida | 1 | $ 250,000 | $ 250,000 | $ 1,920,000 |
| Manatee County Florida | 1 | $ 125,000 | $ 125,000 | $ 114,000 |
| Palm Beach County Florida | 1 | $ 196,000 | $ 196,000 | $ 113,000 |
| Sarasota County Florida | 1 | $ 62,000 | $ 62,000 | $ 67,000 |
| Cobb County Georgia | 1 | $ 61,000 | $ 61,000 | $ 27,000 |
| Douglas County Georgia | 1 | $ 302,000 | $ 302,000 | $ 220,000 |
| Gwinnett County Georgia | 1 | $ 170,000 | $ 170,000 | $ 173,000 |
| Rowan County Kentucky | 1 | $ 128,000 | $ 128,000 | $ 99,000 |
| York County Maine | 1 | $ 230,000 | $ 230,000 | $ 265,000 |
| Howard County Maryland | 1 | $ 225,000 | $ 225,000 | $ 210,000 |
| Montgomery County Maryland | 1 | $ 400,000 | $ 400,000 | $ 450,000 |
| Berkshire County Massachusetts | 1 | $ 85,000 | $ 85,000 | $ 196,000 |
| Chippewa County Michigan | 1 | $ 320,000 | $ 320,000 | $ 70,000 |
| Oakland County Michigan | 1 | $ 180,000 | $ 180,000 | $ 85,000 |
| Wayne County Michigan | 1 | $ 165,000 | $ 165,000 | $ 86,000 |
| St. Louis County Missouri | 1 | $ 254,000 | $ 254,000 | $ 95,000 |
| Hillsborough County New Hampshire | 1 | $ 207,000 | $ 207,000 | $ 83,000 |
| Burlington County New Jersey | 1 | $ 133,000 | $ 133,000 | $ 85,000 |
| Camden County New Jersey | 1 | $ 98,000 | $ 98,000 | $ 84,000 |
| Mercer County New Jersey | 1 | $ 265,000 | $ 265,000 | $ 83,000 |
| Morris County New Jersey | 1 | $ 258,000 | $ 258,000 | $ 150,000 |
| Sussex County New Jersey | 1 | $ 190,000 | $ 190,000 | $ 132,000 |
| Greene County New York | 1 | $ 50,000 | $ 50,000 | $ 53,000 |
| Sullivan County New York | 1 | $ 223,000 | $ 223,000 | $ 30,000 |
| Ulster County New York | 1 | $ 122,000 | $ 122,000 | $ 108,000 |
| Washington County New York | 1 | $ 100,000 | $ 100,000 | $ 90,000 |
| Allegheny County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 171,000 |
| Lackawanna County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Lehigh County Pennsylvania | 1 | $ 235,000 | $ 235,000 | $ 65,000 |
| Providence County Rhode Island | 1 | $ 415,000 | $ 415,000 | $ 486,000 |
| Lexington County South Carolina | 1 | $ 119,000 | $ 119,000 | $ 70,000 |
| Davidson County Tennessee | 1 | $ 504,000 | $ 504,000 | $ 342,000 |
| Shelby County Tennessee | 1 | $ 363,000 | $ 363,000 | $ 208,000 |
| Anderson County Texas | 1 | $ 70,000 | $ 70,000 | $ 69,000 |
| Fort Bend County Texas | 1 | $ 155,000 | $ 155,000 | $ 89,000 |
| Salt Lake County Utah | 1 | $ 400,000 | $ 400,000 | $ 68,000 |
| Alexandria County Virginia | 1 | $ 338,000 | $ 338,000 | $ 102,000 |
| Fairfax County Virginia | 1 | $ 101,000 | $ 101,000 | $ 59,000 |
| James City County Virginia | 1 | $ 331,000 | $ 331,000 | $ 83,000 |
| Lynchburg County Virginia | 1 | $ 85,000 | $ 85,000 | $ 11,000 |
| Norfolk County Virginia | 1 | $ 100,000 | $ 100,000 | $ 98,000 |
| Spotsylvania County Virginia | 1 | $ 160,000 | $ 160,000 | $ 152,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2010
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 | 307 | $68,510,000 | $223,000 | $1,000,000 | $134,000 | $744,000 |
| Home Purchase | 182 | $48,202,000 | $264,000 | $1,336,000 | $154,000 | $1,920,000 |
| Home Improvement | 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 | 242 | $61,600,000 | $254,000 | $1,336,000 | $141,000 | $751,000 |
| Not Provided | 144 | $32,138,000 | $223,000 | $750,000 | $152,000 | $1,920,000 |
| Black or African American | 45 | $8,201,000 | $182,000 | $400,000 | $131,000 | $1,272,000 |
| Asian | 35 | $9,815,000 | $280,000 | $680,000 | $136,000 | $375,000 |
| Hispanic | 21 | $4,488,000 | $213,000 | $355,000 | $98,000 | $225,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $250,000 | $250,000 | $250,000 | $87,000 | $87,000 |
| American Indian or Alaskan Native | 1 | $220,000 | $220,000 | $220,000 | $333,000 | $333,000 |
| 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) | 489 | $116,712,000 | $238,000 | $1,336,000 | $141,000 | $1,920,000 |
| 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 | 166 | $37,971,000 | $228,000 | $1,000,000 | $146,000 | $751,000 |
| Application Denied By Financial Institution | 145 | $33,574,000 | $231,000 | $1,336,000 | $139,000 | $1,920,000 |
| File Closed For Incompleteness | 64 | $17,379,000 | $271,000 | $800,000 | $158,000 | $484,000 |
| Application Withdrawn By Applicant | 53 | $10,657,000 | $201,000 | $680,000 | $155,000 | $636,000 |
| Preapproval Approved but not Accepted | 49 | $13,534,000 | $276,000 | $750,000 | $104,000 | $283,000 |
| Preapproval Denied by Financial Institution | 11 | $3,107,000 | $282,000 | $518,000 | $82,000 | $192,000 |
| Application Approved But Not Accepted | 1 | $490,000 | $490,000 | $490,000 | $176,000 | $176,000 |
| 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 | 46 | $9,429,000 | $204,000 | $560,000 | $156,000 | $1,272,000 |
| Debt-To-Income Ratio | 30 | $8,422,000 | $280,000 | $970,000 | $91,000 | $326,000 |
| Collateral | 24 | $5,148,000 | $214,000 | $735,000 | $189,000 | $1,272,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $2,657,000 | $295,000 | $518,000 | $271,000 | $1,920,000 |
| Other | 3 | $654,000 | $218,000 | $300,000 | $179,000 | $375,000 |
| 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 2010 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.