Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
Usalliance Federal Credit Union 2013 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 | 695 |
| Total Mortgage Loan Application Amount | $170,334,000 |
| Average Mortgage Loan Application Amount | $246,333 |
| Highest Mortgage Loan Application Amount | $1,800,000 |
| Average Applicant Income | $144,333 |
| Highest Applicant Income | $1,524,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 123 | $ 32,893,000 | $ 267,000 | $ 144,000 |
| Middlesex County Massachusetts | 64 | $ 13,804,000 | $ 215,000 | $ 151,000 |
| Fairfield County Connecticut | 42 | $ 15,170,000 | $ 361,000 | $ 176,000 |
| Essex County Massachusetts | 39 | $ 10,538,000 | $ 270,000 | $ 144,000 |
| Sullivan County New York | 38 | $ 4,698,000 | $ 123,000 | $ 76,000 |
| Suffolk County Massachusetts | 22 | $ 5,014,000 | $ 227,000 | $ 164,000 |
| Orange County New York | 19 | $ 2,544,000 | $ 133,000 | $ 82,000 |
| Norfolk County Massachusetts | 18 | $ 3,871,000 | $ 215,000 | $ 177,000 |
| Putnam County New York | 18 | $ 4,035,000 | $ 224,000 | $ 125,000 |
| Bergen County New Jersey | 16 | $ 5,133,000 | $ 320,000 | $ 268,000 |
| Ulster County New York | 15 | $ 1,859,000 | $ 123,000 | $ 72,000 |
| Dutchess County New York | 14 | $ 2,145,000 | $ 153,000 | $ 95,000 |
| Kings County New York | 14 | $ 4,750,000 | $ 339,000 | $ 148,000 |
| Rockland County New York | 13 | $ 4,528,000 | $ 348,000 | $ 167,000 |
| New York County New York | 12 | $ 4,030,000 | $ 335,000 | $ 266,000 |
| Nassau County New York | 10 | $ 4,566,000 | $ 456,000 | $ 205,000 |
| Queens County New York | 9 | $ 2,194,000 | $ 243,000 | $ 122,000 |
| Plymouth County Massachusetts | 8 | $ 1,186,000 | $ 148,000 | $ 107,000 |
| Bronx County New York | 8 | $ 1,667,000 | $ 208,000 | $ 101,000 |
| Hartford County Connecticut | 7 | $ 1,331,000 | $ 190,000 | $ 156,000 |
| Cobb County Georgia | 7 | $ 1,521,000 | $ 217,000 | $ 163,000 |
| Essex County New Jersey | 7 | $ 2,611,000 | $ 373,000 | $ 228,000 |
| Suffolk County New York | 7 | $ 1,799,000 | $ 257,000 | $ 108,000 |
| Wake County North Carolina | 7 | $ 1,332,000 | $ 190,000 | $ 73,000 |
| Palm Beach County Florida | 6 | $ 1,444,000 | $ 240,000 | $ 175,000 |
| Worcester County Massachusetts | 6 | $ 1,379,000 | $ 229,000 | $ 141,000 |
| Hudson County New Jersey | 6 | $ 1,577,000 | $ 262,000 | $ 124,000 |
| Hillsborough County New Hampshire | 5 | $ 784,000 | $ 156,000 | $ 101,000 |
| Middlesex County New Jersey | 5 | $ 566,000 | $ 113,000 | $ 100,000 |
| Richmond County New York | 5 | $ 2,032,000 | $ 406,000 | $ 214,000 |
| Miami-Dade County Florida | 4 | $ 1,326,000 | $ 331,000 | $ 115,000 |
| Barnstable County Massachusetts | 4 | $ 1,144,000 | $ 286,000 | $ 91,000 |
| Rockingham County New Hampshire | 4 | $ 708,000 | $ 177,000 | $ 155,000 |
| Morris County New Jersey | 4 | $ 1,541,000 | $ 385,000 | $ 222,000 |
| Ventura County California | 3 | $ 3,578,000 | $ 1,192,000 | $ 331,000 |
| Broward County Florida | 3 | $ 599,000 | $ 199,000 | $ 110,000 |
| Bristol County Massachusetts | 3 | $ 160,000 | $ 53,000 | $ 138,000 |
| Dukes County Massachusetts | 3 | $ 950,000 | $ 316,000 | $ 129,000 |
| Mercer County New Jersey | 3 | $ 898,000 | $ 299,000 | $ 198,000 |
| Monmouth County New Jersey | 3 | $ 1,065,000 | $ 355,000 | $ 230,000 |
| Delaware County New York | 3 | $ 396,000 | $ 132,000 | $ 75,000 |
| Pike County Pennsylvania | 3 | $ 441,000 | $ 147,000 | $ 126,000 |
| Los Angeles County California | 2 | $ 572,000 | $ 286,000 | $ 109,000 |
| San Diego County California | 2 | $ 667,000 | $ 333,000 | $ 124,000 |
| Litchfield County Connecticut | 2 | $ 451,000 | $ 225,000 | $ 132,000 |
| New Castle County Delaware | 2 | $ 426,000 | $ 213,000 | $ 72,000 |
| Collier County Florida | 2 | $ 418,000 | $ 209,000 | $ 77,000 |
| Hampden County Massachusetts | 2 | $ 205,000 | $ 102,000 | $ 106,000 |
| St. Clair County Michigan | 2 | $ 179,000 | $ 89,000 | $ 50,000 |
| Burlington County New Jersey | 2 | $ 493,000 | $ 246,000 | $ 120,000 |
| Camden County New Jersey | 2 | $ 262,000 | $ 131,000 | $ 245,000 |
| Union County New Jersey | 2 | $ 1,140,000 | $ 570,000 | $ 309,000 |
| Greene County New York | 2 | $ 242,000 | $ 121,000 | $ 61,000 |
| Franklin County Ohio | 2 | $ 342,000 | $ 171,000 | $ 113,000 |
| Maricopa County Arizona | 1 | $ 240,000 | $ 240,000 | $ 136,000 |
| Arapahoe County Colorado | 1 | $ 120,000 | $ 120,000 | $ 72,000 |
| New Haven County Connecticut | 1 | $ 417,000 | $ 417,000 | $ 197,000 |
| Kent County Delaware | 1 | $ 260,000 | $ 260,000 | $ 122,000 |
| Charlotte County Florida | 1 | $ 177,000 | $ 177,000 | $ 557,000 |
| Flagler County Florida | 1 | $ 35,000 | $ 35,000 | $ 100,000 |
| Lee County Florida | 1 | $ 116,000 | $ 116,000 | $ 148,000 |
| Martin County Florida | 1 | $ 115,000 | $ 115,000 | $ 51,000 |
| Osceola County Florida | 1 | $ 120,000 | $ 120,000 | $ 360,000 |
| St. Johns County Florida | 1 | $ 208,000 | $ 208,000 | $ 52,000 |
| Volusia County Florida | 1 | $ 200,000 | $ 200,000 | $ 87,000 |
| Cherokee County Georgia | 1 | $ 367,000 | $ 367,000 | $ 156,000 |
| Fulton County Georgia | 1 | $ 100,000 | $ 100,000 | $ 78,000 |
| Maui County Hawaii | 1 | $ 158,000 | $ 158,000 | $ 133,000 |
| Cook County Illinois | 1 | $ 72,000 | $ 72,000 | $ 42,000 |
| DuPage County Illinois | 1 | $ 120,000 | $ 120,000 | $ 136,000 |
| Whiteside County Illinois | 1 | $ 54,000 | $ 54,000 | $ 30,000 |
| Woodford County Kentucky | 1 | $ 238,000 | $ 238,000 | $ 131,000 |
| Oxford County Maine | 1 | $ 146,000 | $ 146,000 | $ 117,000 |
| York County Maine | 1 | $ 136,000 | $ 136,000 | $ 254,000 |
| Baltimore County Maryland | 1 | $ 68,000 | $ 68,000 | $ 185,000 |
| Baltimore City County Maryland | 1 | $ 276,000 | $ 276,000 | $ 70,000 |
| Howard County Maryland | 1 | $ 100,000 | $ 100,000 | $ 127,000 |
| Montgomery County Maryland | 1 | $ 245,000 | $ 245,000 | $ 158,000 |
| Prince George's County Maryland | 1 | $ 514,000 | $ 514,000 | $ 222,000 |
| Berkshire County Massachusetts | 1 | $ 232,000 | $ 232,000 | $ 178,000 |
| Hampshire County Massachusetts | 1 | $ 256,000 | $ 256,000 | $ 52,000 |
| Cheboygan County Michigan | 1 | $ 417,000 | $ 417,000 | $ 76,000 |
| Ingham County Michigan | 1 | $ 172,000 | $ 172,000 | $ 178,000 |
| Livingston County Michigan | 1 | $ 156,000 | $ 156,000 | $ 149,000 |
| Monroe County Michigan | 1 | $ 100,000 | $ 100,000 | $ 44,000 |
| Oakland County Michigan | 1 | $ 135,000 | $ 135,000 | $ 50,000 |
| St. Louis County Missouri | 1 | $ 240,000 | $ 240,000 | $ 100,000 |
| Clark County Nevada | 1 | $ 47,000 | $ 47,000 | $ 153,000 |
| Carroll County New Hampshire | 1 | $ 100,000 | $ 100,000 | $ 196,000 |
| Atlantic County New Jersey | 1 | $ 50,000 | $ 50,000 | $ 120,000 |
| Ocean County New Jersey | 1 | $ 179,000 | $ 179,000 | $ 90,000 |
| Somerset County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Sussex County New Jersey | 1 | $ 192,000 | $ 192,000 | $ 104,000 |
| Yates County New York | 1 | $ 50,000 | $ 50,000 | $ 42,000 |
| Carteret County North Carolina | 1 | $ 244,000 | $ 244,000 | $ 40,000 |
| Johnston County North Carolina | 1 | $ 116,000 | $ 116,000 | $ 39,000 |
| Orange County North Carolina | 1 | $ 86,000 | $ 86,000 | $ 167,000 |
| Lorain County Ohio | 1 | $ 102,000 | $ 102,000 | $ 125,000 |
| Bucks County Pennsylvania | 1 | $ 74,000 | $ 74,000 | $ 238,000 |
| Delaware County Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 173,000 |
| Lackawanna County Pennsylvania | 1 | $ 233,000 | $ 233,000 | $ 122,000 |
| Lancaster County Pennsylvania | 1 | $ 151,000 | $ 151,000 | $ 100,000 |
| Monroe County Pennsylvania | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Montgomery County Pennsylvania | 1 | $ 259,000 | $ 259,000 | $ 75,000 |
| Wayne County Pennsylvania | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Providence County Rhode Island | 1 | $ 264,000 | $ 264,000 | $ 118,000 |
| Washington County Rhode Island | 1 | $ 203,000 | $ 203,000 | $ 83,000 |
| Knox County Tennessee | 1 | $ 350,000 | $ 350,000 | $ 83,000 |
| Wilson County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Chittenden County Vermont | 1 | $ 157,000 | $ 157,000 | $ 55,000 |
| Washington County Vermont | 1 | $ 202,000 | $ 202,000 | $ 69,000 |
| Windham County Vermont | 1 | $ 140,000 | $ 140,000 | $ 163,000 |
| Alexandria County Virginia | 1 | $ 140,000 | $ 140,000 | $ 75,000 |
| Prince William County Virginia | 1 | $ 576,000 | $ 576,000 | $ 182,000 |
| Tucker County West Virginia | 1 | $ 200,000 | $ 200,000 | $ 60,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2013
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 | 526 | $125,295,000 | $238,000 | $1,720,000 | $140,000 | $1,524,000 |
| Home Purchase | 122 | $34,920,000 | $286,000 | $1,138,000 | $163,000 | $550,000 |
| Home Improvement | 47 | $10,119,000 | $215,000 | $1,800,000 | $130,000 | $538,000 |
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 | 376 | $98,372,000 | $261,000 | $1,720,000 | $150,000 | $943,000 |
| Not Provided | 199 | $43,706,000 | $219,000 | $1,800,000 | $140,000 | $1,524,000 |
| Black or African American | 46 | $10,008,000 | $217,000 | $514,000 | $113,000 | $254,000 |
| Asian | 38 | $10,007,000 | $263,000 | $914,000 | $142,000 | $301,000 |
| Hispanic | 31 | $7,065,000 | $227,000 | $700,000 | $108,000 | $296,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $574,000 | $191,000 | $267,000 | $318,000 | $557,000 |
| American Indian or Alaskan Native | 2 | $602,000 | $301,000 | $360,000 | $65,000 | $76,000 |
| 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) | 694 | $170,034,000 | $245,000 | $1,800,000 | $143,000 | $1,524,000 |
| VA-guaranteed (Veterans Administration) | 1 | $300,000 | $300,000 | $300,000 | $95,000 | $95,000 |
| 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 |
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 | 361 | $92,686,000 | $256,000 | $1,720,000 | $160,000 | $943,000 |
| Application Denied By Financial Institution | 196 | $41,040,000 | $209,000 | $1,228,000 | $123,000 | $1,524,000 |
| Application Withdrawn By Applicant | 87 | $24,247,000 | $278,000 | $1,800,000 | $129,000 | $438,000 |
| File Closed For Incompleteness | 46 | $10,974,000 | $238,000 | $1,250,000 | $129,000 | $597,000 |
| Application Approved But Not Accepted | 5 | $1,387,000 | $277,000 | $359,000 | $124,000 | $197,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 58 | $13,051,000 | $225,000 | $1,228,000 | $125,000 | $366,000 |
| Debt-To-Income Ratio | 51 | $10,431,000 | $204,000 | $510,000 | $78,000 | $465,000 |
| Other | 36 | $5,727,000 | $159,000 | $600,000 | $145,000 | $1,524,000 |
| Credit History | 31 | $7,992,000 | $257,000 | $1,018,000 | $178,000 | $720,000 |
| Unverifiable Information | 4 | $513,000 | $128,000 | $200,000 | $60,000 | $72,000 |
| Credit Application Incomplete | 3 | $245,000 | $81,000 | $180,000 | $38,000 | $48,000 |
| Employment History | 2 | $555,000 | $277,000 | $285,000 | $91,000 | $138,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $513,000 | $513,000 | $513,000 | $278,000 | $278,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Usalliance Federal Credit Union's 2013 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.