Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
Usalliance Federal Credit Union 2012 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 | 741 |
| Total Mortgage Loan Application Amount | $166,465,000 |
| Average Mortgage Loan Application Amount | $224,333 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $131,000 |
| Highest Applicant Income | $1,840,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 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 2012 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 2012.
| 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 | 151 | $ 39,851,000 | $ 263,000 | $ 147,000 |
| Middlesex County Massachusetts | 85 | $ 19,041,000 | $ 224,000 | $ 104,000 |
| Sullivan County New York | 38 | $ 5,106,000 | $ 134,000 | $ 80,000 |
| Essex County Massachusetts | 33 | $ 5,874,000 | $ 178,000 | $ 107,000 |
| Fairfield County Connecticut | 32 | $ 6,843,000 | $ 213,000 | $ 125,000 |
| Ulster County New York | 29 | $ 3,717,000 | $ 128,000 | $ 69,000 |
| Suffolk County Massachusetts | 24 | $ 5,906,000 | $ 246,000 | $ 183,000 |
| Norfolk County Massachusetts | 20 | $ 5,457,000 | $ 272,000 | $ 153,000 |
| Orange County New York | 17 | $ 2,833,000 | $ 166,000 | $ 105,000 |
| Rockland County New York | 13 | $ 3,145,000 | $ 241,000 | $ 121,000 |
| Barnstable County Massachusetts | 12 | $ 2,377,000 | $ 198,000 | $ 192,000 |
| Plymouth County Massachusetts | 12 | $ 3,646,000 | $ 303,000 | $ 229,000 |
| Nassau County New York | 12 | $ 3,745,000 | $ 312,000 | $ 228,000 |
| Putnam County New York | 11 | $ 2,395,000 | $ 217,000 | $ 108,000 |
| Kings County New York | 10 | $ 2,731,000 | $ 273,000 | $ 110,000 |
| New York County New York | 10 | $ 2,886,000 | $ 288,000 | $ 171,000 |
| Queens County New York | 10 | $ 1,725,000 | $ 172,000 | $ 103,000 |
| Dutchess County New York | 9 | $ 2,196,000 | $ 244,000 | $ 134,000 |
| Suffolk County New York | 9 | $ 2,720,000 | $ 302,000 | $ 135,000 |
| Bergen County New Jersey | 8 | $ 2,790,000 | $ 348,000 | $ 187,000 |
| New Haven County Connecticut | 7 | $ 2,943,000 | $ 420,000 | $ 233,000 |
| Essex County New Jersey | 7 | $ 1,448,000 | $ 206,000 | $ 107,000 |
| Bronx County New York | 7 | $ 1,565,000 | $ 223,000 | $ 71,000 |
| Middlesex County New Jersey | 6 | $ 1,213,000 | $ 202,000 | $ 101,000 |
| Monmouth County New Jersey | 6 | $ 1,452,000 | $ 242,000 | $ 245,000 |
| Bristol County Massachusetts | 5 | $ 667,000 | $ 133,000 | $ 110,000 |
| Rockingham County New Hampshire | 5 | $ 791,000 | $ 158,000 | $ 91,000 |
| Ocean County New Jersey | 5 | $ 1,214,000 | $ 242,000 | $ 156,000 |
| Montgomery County Maryland | 4 | $ 1,031,000 | $ 257,000 | $ 124,000 |
| Dukes County Massachusetts | 4 | $ 1,695,000 | $ 423,000 | $ 149,000 |
| Hillsborough County New Hampshire | 4 | $ 556,000 | $ 139,000 | $ 119,000 |
| Richmond County New York | 4 | $ 1,340,000 | $ 335,000 | $ 140,000 |
| Horry County South Carolina | 4 | $ 610,000 | $ 152,000 | $ 102,000 |
| Litchfield County Connecticut | 3 | $ 728,000 | $ 242,000 | $ 104,000 |
| Middlesex County Connecticut | 3 | $ 619,000 | $ 206,000 | $ 96,000 |
| Broward County Florida | 3 | $ 280,000 | $ 93,000 | $ 67,000 |
| Palm Beach County Florida | 3 | $ 208,000 | $ 69,000 | $ 61,000 |
| Worcester County Massachusetts | 3 | $ 716,000 | $ 238,000 | $ 145,000 |
| Hudson County New Jersey | 3 | $ 563,000 | $ 187,000 | $ 79,000 |
| Morris County New Jersey | 3 | $ 1,244,000 | $ 414,000 | $ 274,000 |
| Somerset County New Jersey | 3 | $ 803,000 | $ 267,000 | $ 122,000 |
| Wake County North Carolina | 3 | $ 884,000 | $ 294,000 | $ 130,000 |
| Maricopa County Arizona | 2 | $ 277,000 | $ 138,000 | $ 160,000 |
| Los Angeles County California | 2 | $ 636,000 | $ 318,000 | $ 174,000 |
| St. Johns County Florida | 2 | $ 274,000 | $ 137,000 | $ 90,000 |
| Volusia County Florida | 2 | $ 376,000 | $ 188,000 | $ 69,000 |
| Cobb County Georgia | 2 | $ 308,000 | $ 154,000 | $ 42,000 |
| Fulton County Georgia | 2 | $ 272,000 | $ 136,000 | $ 85,000 |
| Gwinnett County Georgia | 2 | $ 349,000 | $ 174,000 | $ 164,000 |
| Hennepin County Minnesota | 2 | $ 775,000 | $ 387,000 | $ 181,000 |
| Mercer County New Jersey | 2 | $ 660,000 | $ 330,000 | $ 141,000 |
| Union County New Jersey | 2 | $ 497,000 | $ 248,000 | $ 138,000 |
| Otsego County New York | 2 | $ 383,000 | $ 191,000 | $ 103,000 |
| Orange County North Carolina | 2 | $ 384,000 | $ 192,000 | $ 96,000 |
| Montgomery County Pennsylvania | 2 | $ 749,000 | $ 374,000 | $ 125,000 |
| Washington County Rhode Island | 2 | $ 197,000 | $ 98,000 | $ 159,000 |
| Albemarle County Virginia | 2 | $ 173,000 | $ 86,000 | $ 25,000 |
| Orange County California | 1 | $ 688,000 | $ 688,000 | $ 276,000 |
| Boulder County Colorado | 1 | $ 129,000 | $ 129,000 | $ 531,000 |
| Douglas County Colorado | 1 | $ 130,000 | $ 130,000 | $ 75,000 |
| Hartford County Connecticut | 1 | $ 212,000 | $ 212,000 | $ 172,000 |
| Charlotte County Florida | 1 | $ 112,000 | $ 112,000 | $ 59,000 |
| Citrus County Florida | 1 | $ 128,000 | $ 128,000 | $ 400,000 |
| Lee County Florida | 1 | $ 100,000 | $ 100,000 | $ 73,000 |
| Miami-Dade County Florida | 1 | $ 120,000 | $ 120,000 | $ 100,000 |
| Pinellas County Florida | 1 | $ 70,000 | $ 70,000 | $ 173,000 |
| Sarasota County Florida | 1 | $ 43,000 | $ 43,000 | $ 143,000 |
| Seminole County Florida | 1 | $ 151,000 | $ 151,000 | $ 71,000 |
| St. Lucie County Florida | 1 | $ 69,000 | $ 69,000 | $ 82,000 |
| Cherokee County Georgia | 1 | $ 255,000 | $ 255,000 | $ 129,000 |
| Paulding County Georgia | 1 | $ 71,000 | $ 71,000 | $ 31,000 |
| Cook County Illinois | 1 | $ 155,000 | $ 155,000 | $ 125,000 |
| Adams County Indiana | 1 | $ 64,000 | $ 64,000 | $ 140,000 |
| St. Joseph County Indiana | 1 | $ 100,000 | $ 100,000 | $ 62,000 |
| Cumberland County Maine | 1 | $ 182,000 | $ 182,000 | $ 175,000 |
| Hancock County Maine | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 215,000 | $ 215,000 | $ 385,000 |
| Cecil County Maryland | 1 | $ 130,000 | $ 130,000 | $ 137,000 |
| Berkshire County Massachusetts | 1 | $ 100,000 | $ 100,000 | $ 108,000 |
| Ingham County Michigan | 1 | $ 200,000 | $ 200,000 | $ 175,000 |
| Monroe County Michigan | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Oakland County Michigan | 1 | $ 39,000 | $ 39,000 | $ 74,000 |
| Sanilac County Michigan | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Washtenaw County Michigan | 1 | $ 316,000 | $ 316,000 | $ 244,000 |
| Gallatin County Montana | 1 | $ 188,000 | $ 188,000 | $ 175,000 |
| Carroll County New Hampshire | 1 | $ 165,000 | $ 165,000 | $ 53,000 |
| Cheshire County New Hampshire | 1 | $ 106,000 | $ 106,000 | $ 73,000 |
| Grafton County New Hampshire | 1 | $ 180,000 | $ 180,000 | $ 139,000 |
| Strafford County New Hampshire | 1 | $ 324,000 | $ 324,000 | $ 114,000 |
| Burlington County New Jersey | 1 | $ 369,000 | $ 369,000 | $ 132,000 |
| Camden County New Jersey | 1 | $ 297,000 | $ 297,000 | $ 88,000 |
| Hunterdon County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 36,000 |
| Erie County New York | 1 | $ 165,000 | $ 165,000 | $ 106,000 |
| Essex County New York | 1 | $ 140,000 | $ 140,000 | $ 57,000 |
| Greene County New York | 1 | $ 100,000 | $ 100,000 | $ 60,000 |
| Rensselaer County New York | 1 | $ 196,000 | $ 196,000 | $ 151,000 |
| Saratoga County New York | 1 | $ 112,000 | $ 112,000 | $ 54,000 |
| Buncombe County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 77,000 |
| Columbus County North Carolina | 1 | $ 58,000 | $ 58,000 | $ 118,000 |
| Iredell County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 163,000 |
| Johnston County North Carolina | 1 | $ 129,000 | $ 129,000 | $ 52,000 |
| Mecklenburg County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 102,000 |
| Cuyahoga County Ohio | 1 | $ 130,000 | $ 130,000 | $ 180,000 |
| Chester County Pennsylvania | 1 | $ 123,000 | $ 123,000 | $ 98,000 |
| Delaware County Pennsylvania | 1 | $ 160,000 | $ 160,000 | $ 132,000 |
| Monroe County Pennsylvania | 1 | $ 136,000 | $ 136,000 | $ 62,000 |
| Pike County Pennsylvania | 1 | $ 183,000 | $ 183,000 | $ 27,000 |
| Wayne County Pennsylvania | 1 | $ 190,000 | $ 190,000 | $ 94,000 |
| Providence County Rhode Island | 1 | $ 294,000 | $ 294,000 | $ 0 |
| Florence County South Carolina | 1 | $ 44,000 | $ 44,000 | $ 31,000 |
| Davidson County Tennessee | 1 | $ 60,000 | $ 60,000 | $ 40,000 |
| Anderson County Texas | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Ellis County Texas | 1 | $ 142,000 | $ 142,000 | $ 84,000 |
| Fort Bend County Texas | 1 | $ 100,000 | $ 100,000 | $ 50,000 |
| Salt Lake County Utah | 1 | $ 142,000 | $ 142,000 | $ 54,000 |
| Alexandria County Virginia | 1 | $ 327,000 | $ 327,000 | $ 125,000 |
| Arlington County Virginia | 1 | $ 240,000 | $ 240,000 | $ 52,000 |
| Bedford County Virginia | 1 | $ 247,000 | $ 247,000 | $ 119,000 |
| James City County Virginia | 1 | $ 271,000 | $ 271,000 | $ 100,000 |
| Loudoun County Virginia | 1 | $ 100,000 | $ 100,000 | $ 142,000 |
| Virginia Beach County Virginia | 1 | $ 218,000 | $ 218,000 | $ 307,000 |
| Yakima County Washington | 1 | $ 97,000 | $ 97,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2012
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 | 636 | $141,433,000 | $222,000 | $1,500,000 | $126,000 | $1,609,000 |
| Home Purchase | 88 | $21,500,000 | $244,000 | $1,240,000 | $153,000 | $1,840,000 |
| Home Improvement | 17 | $3,532,000 | $207,000 | $417,000 | $114,000 | $240,000 |
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 | 453 | $102,411,000 | $226,000 | $1,500,000 | $129,000 | $1,609,000 |
| Not Provided | 155 | $33,850,000 | $218,000 | $1,370,000 | $148,000 | $1,840,000 |
| Black or African American | 56 | $13,085,000 | $233,000 | $717,000 | $89,000 | $287,000 |
| Asian | 38 | $8,923,000 | $234,000 | $608,000 | $136,000 | $490,000 |
| Hispanic | 34 | $6,999,000 | $205,000 | $575,000 | $97,000 | $258,000 |
| American Indian or Alaskan Native | 5 | $1,197,000 | $239,000 | $320,000 | $97,000 | $149,000 |
| 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) | 741 | $166,465,000 | $224,000 | $1,500,000 | $129,000 | $1,840,000 |
| 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 | 297 | $61,474,000 | $206,000 | $1,370,000 | $137,000 | $1,840,000 |
| Application Denied By Financial Institution | 212 | $52,913,000 | $249,000 | $1,145,000 | $115,000 | $1,609,000 |
| Application Withdrawn By Applicant | 168 | $37,861,000 | $225,000 | $1,500,000 | $134,000 | $728,000 |
| File Closed For Incompleteness | 63 | $13,893,000 | $220,000 | $635,000 | $122,000 | $690,000 |
| Application Approved But Not Accepted | 1 | $324,000 | $324,000 | $324,000 | $114,000 | $114,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial 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 | 23 | $4,723,000 | $205,000 | $500,000 | $128,000 | $936,000 |
| Collateral | 19 | $4,853,000 | $255,000 | $1,145,000 | $153,000 | $532,000 |
| Debt-To-Income Ratio | 17 | $4,035,000 | $237,000 | $695,000 | $105,000 | $660,000 |
| Other | 11 | $1,862,000 | $169,000 | $350,000 | $78,000 | $233,000 |
| Unverifiable Information | 1 | $97,000 | $97,000 | $97,000 | $66,000 | $66,000 |
| Employment History | 1 | $77,000 | $77,000 | $77,000 | $48,000 | $48,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $140,000 | $140,000 | $140,000 | $199,000 | $199,000 |
| Mortgage Insurance Denied | 1 | $70,000 | $70,000 | $70,000 | $173,000 | $173,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Usalliance Federal Credit Union's 2012 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.