Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
Usalliance Federal Credit Union 2016 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 | 592 |
| Total Mortgage Loan Application Amount | $321,601,000 |
| Average Mortgage Loan Application Amount | $670,666 |
| Highest Mortgage Loan Application Amount | $5,446,000 |
| Average Applicant Income | $276,000 |
| Highest Applicant Income | $3,106,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 99 | $ 54,940,000 | $ 554,000 | $ 240,000 |
| Middlesex County Massachusetts | 43 | $ 21,339,000 | $ 496,000 | $ 207,000 |
| Fairfield County Connecticut | 39 | $ 30,194,000 | $ 774,000 | $ 264,000 |
| Nassau County New York | 24 | $ 15,484,000 | $ 645,000 | $ 286,000 |
| Bergen County New Jersey | 22 | $ 14,939,000 | $ 679,000 | $ 215,000 |
| Essex County Massachusetts | 20 | $ 8,868,000 | $ 443,000 | $ 197,000 |
| Kings County New York | 20 | $ 16,507,000 | $ 825,000 | $ 221,000 |
| Suffolk County Massachusetts | 19 | $ 14,900,000 | $ 784,000 | $ 280,000 |
| Sullivan County New York | 17 | $ 2,913,000 | $ 171,000 | $ 81,000 |
| Morris County New Jersey | 15 | $ 10,758,000 | $ 717,000 | $ 345,000 |
| Monmouth County New Jersey | 14 | $ 11,745,000 | $ 838,000 | $ 370,000 |
| Queens County New York | 14 | $ 8,553,000 | $ 610,000 | $ 210,000 |
| Norfolk County Massachusetts | 13 | $ 10,038,000 | $ 772,000 | $ 456,000 |
| New Haven County Connecticut | 12 | $ 2,862,000 | $ 238,000 | $ 137,000 |
| Putnam County New York | 12 | $ 3,425,000 | $ 285,000 | $ 145,000 |
| Essex County New Jersey | 11 | $ 8,081,000 | $ 734,000 | $ 266,000 |
| Suffolk County New York | 11 | $ 14,725,000 | $ 1,338,000 | $ 864,000 |
| Dutchess County New York | 9 | $ 2,686,000 | $ 298,000 | $ 145,000 |
| Ulster County New York | 9 | $ 1,429,000 | $ 158,000 | $ 119,000 |
| Hudson County New Jersey | 8 | $ 4,320,000 | $ 540,000 | $ 175,000 |
| Middlesex County New Jersey | 8 | $ 2,267,000 | $ 283,000 | $ 182,000 |
| Orange County New York | 8 | $ 1,575,000 | $ 196,000 | $ 168,000 |
| Rockland County New York | 8 | $ 2,901,000 | $ 362,000 | $ 226,000 |
| Plymouth County Massachusetts | 6 | $ 2,417,000 | $ 402,000 | $ 193,000 |
| New York County New York | 6 | $ 8,170,000 | $ 1,361,000 | $ 598,000 |
| Litchfield County Connecticut | 4 | $ 6,420,000 | $ 1,605,000 | $ 306,000 |
| Bristol County Massachusetts | 4 | $ 1,565,000 | $ 391,000 | $ 174,000 |
| Mercer County New Jersey | 4 | $ 4,210,000 | $ 1,052,000 | $ 568,000 |
| Ocean County New Jersey | 4 | $ 1,237,000 | $ 309,000 | $ 155,000 |
| Somerset County New Jersey | 4 | $ 3,524,000 | $ 881,000 | $ 349,000 |
| Monroe County Pennsylvania | 4 | $ 630,000 | $ 157,000 | $ 89,000 |
| Hartford County Connecticut | 3 | $ 1,177,000 | $ 392,000 | $ 153,000 |
| Palm Beach County Florida | 3 | $ 925,000 | $ 308,000 | $ 132,000 |
| Volusia County Florida | 3 | $ 251,000 | $ 83,000 | $ 145,000 |
| Mecklenburg County North Carolina | 3 | $ 578,000 | $ 192,000 | $ 85,000 |
| Broward County Florida | 2 | $ 348,000 | $ 174,000 | $ 79,000 |
| Lake County Florida | 2 | $ 504,000 | $ 252,000 | $ 111,000 |
| Pinellas County Florida | 2 | $ 498,000 | $ 249,000 | $ 333,000 |
| Polk County Florida | 2 | $ 219,000 | $ 109,000 | $ 111,000 |
| Cobb County Georgia | 2 | $ 425,000 | $ 212,000 | $ 100,000 |
| DeKalb County Georgia | 2 | $ 907,000 | $ 453,000 | $ 176,000 |
| Barnstable County Massachusetts | 2 | $ 634,000 | $ 317,000 | $ 167,000 |
| Oakland County Michigan | 2 | $ 255,000 | $ 127,000 | $ 93,000 |
| Wayne County Michigan | 2 | $ 200,000 | $ 100,000 | $ 57,000 |
| Hillsborough County New Hampshire | 2 | $ 477,000 | $ 238,000 | $ 99,000 |
| Rockingham County New Hampshire | 2 | $ 503,000 | $ 251,000 | $ 109,000 |
| Bronx County New York | 2 | $ 242,000 | $ 121,000 | $ 73,000 |
| Richmond County New York | 2 | $ 1,136,000 | $ 568,000 | $ 209,000 |
| Seneca County New York | 2 | $ 628,000 | $ 314,000 | $ 224,000 |
| Wake County North Carolina | 2 | $ 518,000 | $ 259,000 | $ 124,000 |
| Chester County Pennsylvania | 2 | $ 896,000 | $ 448,000 | $ 191,000 |
| Wayne County Pennsylvania | 2 | $ 317,000 | $ 158,000 | $ 83,000 |
| Maricopa County Arizona | 1 | $ 300,000 | $ 300,000 | $ 105,000 |
| Pulaski County Arkansas | 1 | $ 348,000 | $ 348,000 | $ 201,000 |
| Alameda County California | 1 | $ 600,000 | $ 600,000 | $ 380,000 |
| Orange County California | 1 | $ 389,000 | $ 389,000 | $ 109,000 |
| Ventura County California | 1 | $ 670,000 | $ 670,000 | $ 292,000 |
| Boulder County Colorado | 1 | $ 121,000 | $ 121,000 | $ 89,000 |
| Summit County Colorado | 1 | $ 222,000 | $ 222,000 | $ 133,000 |
| Collier County Florida | 1 | $ 144,000 | $ 144,000 | $ 67,000 |
| Hillsborough County Florida | 1 | $ 604,000 | $ 604,000 | $ 523,000 |
| Martin County Florida | 1 | $ 177,000 | $ 177,000 | $ 124,000 |
| Miami-Dade County Florida | 1 | $ 570,000 | $ 570,000 | $ 238,000 |
| Orange County Florida | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Osceola County Florida | 1 | $ 80,000 | $ 80,000 | $ 300,000 |
| Sarasota County Florida | 1 | $ 650,000 | $ 650,000 | $ 165,000 |
| St. Lucie County Florida | 1 | $ 125,000 | $ 125,000 | $ 185,000 |
| Fannin County Georgia | 1 | $ 496,000 | $ 496,000 | $ 150,000 |
| Fulton County Georgia | 1 | $ 284,000 | $ 284,000 | $ 96,000 |
| Newton County Georgia | 1 | $ 168,000 | $ 168,000 | $ 68,000 |
| Marion County Indiana | 1 | $ 71,000 | $ 71,000 | $ 233,000 |
| Bullitt County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 42,000 |
| Cumberland County Maine | 1 | $ 211,000 | $ 211,000 | $ 178,000 |
| Franklin County Maine | 1 | $ 66,000 | $ 66,000 | $ 182,000 |
| Anne Arundel County Maryland | 1 | $ 200,000 | $ 200,000 | $ 200,000 |
| Baltimore City County Maryland | 1 | $ 150,000 | $ 150,000 | $ 28,000 |
| Cecil County Maryland | 1 | $ 270,000 | $ 270,000 | $ 296,000 |
| Prince George's County Maryland | 1 | $ 164,000 | $ 164,000 | $ 86,000 |
| Berkshire County Massachusetts | 1 | $ 360,000 | $ 360,000 | $ 600,000 |
| Worcester County Massachusetts | 1 | $ 395,000 | $ 395,000 | $ 106,000 |
| Carroll County New Hampshire | 1 | $ 630,000 | $ 630,000 | $ 520,000 |
| Strafford County New Hampshire | 1 | $ 278,000 | $ 278,000 | $ 142,000 |
| Burlington County New Jersey | 1 | $ 1,000,000 | $ 1,000,000 | $ 2,085,000 |
| Camden County New Jersey | 1 | $ 464,000 | $ 464,000 | $ 306,000 |
| Gloucester County New Jersey | 1 | $ 292,000 | $ 292,000 | $ 133,000 |
| Union County New Jersey | 1 | $ 1,089,000 | $ 1,089,000 | $ 557,000 |
| Albany County New York | 1 | $ 248,000 | $ 248,000 | $ 81,000 |
| Clinton County New York | 1 | $ 100,000 | $ 100,000 | $ 42,000 |
| Erie County New York | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Herkimer County New York | 1 | $ 230,000 | $ 230,000 | $ 121,000 |
| Onondaga County New York | 1 | $ 60,000 | $ 60,000 | $ 56,000 |
| Otsego County New York | 1 | $ 133,000 | $ 133,000 | $ 65,000 |
| Steuben County New York | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Warren County New York | 1 | $ 100,000 | $ 100,000 | $ 116,000 |
| Chatham County North Carolina | 1 | $ 312,000 | $ 312,000 | $ 120,000 |
| Jefferson County Pennsylvania | 1 | $ 58,000 | $ 58,000 | $ 20,000 |
| Lackawanna County Pennsylvania | 1 | $ 60,000 | $ 60,000 | $ 16,000 |
| Montgomery County Pennsylvania | 1 | $ 526,000 | $ 526,000 | $ 318,000 |
| Philadelphia County Pennsylvania | 1 | $ 230,000 | $ 230,000 | $ 100,000 |
| Pike County Pennsylvania | 1 | $ 250,000 | $ 250,000 | $ 54,000 |
| Washington County Rhode Island | 1 | $ 526,000 | $ 526,000 | $ 380,000 |
| Travis County Texas | 1 | $ 417,000 | $ 417,000 | $ 91,000 |
| Orange County Vermont | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Greene County Virginia | 1 | $ 360,000 | $ 360,000 | $ 92,000 |
| Henrico County Virginia | 1 | $ 220,000 | $ 220,000 | $ 104,000 |
| King County Washington | 1 | $ 433,000 | $ 433,000 | $ 128,000 |
| Snohomish County Washington | 1 | $ 140,000 | $ 140,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2016
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 | 329 | $148,265,000 | $450,000 | $4,150,000 | $213,000 | $2,395,000 |
| Home Purchase | 229 | $141,148,000 | $616,000 | $5,446,000 | $260,000 | $3,106,000 |
| Home Improvement | 34 | $32,188,000 | $946,000 | $3,250,000 | $355,000 | $1,236,000 |
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 | 385 | $225,690,000 | $586,000 | $5,446,000 | $254,000 | $3,106,000 |
| Not Provided | 88 | $41,044,000 | $466,000 | $2,480,000 | $225,000 | $2,166,000 |
| Asian | 41 | $30,098,000 | $734,000 | $3,100,000 | $284,000 | $2,085,000 |
| Black or African American | 39 | $12,253,000 | $314,000 | $1,120,000 | $144,000 | $900,000 |
| Hispanic | 34 | $9,195,000 | $270,000 | $1,260,000 | $163,000 | $1,176,000 |
| American Indian or Alaskan Native | 3 | $658,000 | $219,000 | $385,000 | $110,000 | $174,000 |
| Native Hawaiin or Other Pacific Islander | 2 | $2,663,000 | $1,331,000 | $1,408,000 | $462,000 | $500,000 |
| 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) | 592 | $321,601,000 | $543,000 | $5,446,000 | $239,000 | $3,106,000 |
| 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 | 311 | $177,339,000 | $570,000 | $4,150,000 | $275,000 | $3,106,000 |
| Application Denied By Financial Institution | 143 | $71,622,000 | $500,000 | $5,446,000 | $179,000 | $1,176,000 |
| Application Withdrawn By Applicant | 104 | $50,808,000 | $488,000 | $3,250,000 | $210,000 | $907,000 |
| File Closed For Incompleteness | 32 | $19,563,000 | $611,000 | $3,000,000 | $246,000 | $1,236,000 |
| Application Approved But Not Accepted | 2 | $2,269,000 | $1,134,000 | $1,960,000 | $397,000 | $590,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 44 | $18,192,000 | $413,000 | $1,500,000 | $103,000 | $646,000 |
| Credit History | 39 | $16,062,000 | $411,000 | $3,100,000 | $173,000 | $1,176,000 |
| Collateral | 35 | $25,821,000 | $737,000 | $5,446,000 | $274,000 | $900,000 |
| Other | 11 | $4,381,000 | $398,000 | $900,000 | $220,000 | $387,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $1,301,000 | $260,000 | $660,000 | $134,000 | $293,000 |
| Employment History | 3 | $2,468,000 | $822,000 | $1,270,000 | $222,000 | $350,000 |
| Unverifiable Information | 1 | $1,385,000 | $1,385,000 | $1,385,000 | $300,000 | $300,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Usalliance Federal Credit Union's 2016 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.