Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Usalliance Federal Credit Union 2019 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 | 1,975 |
| Total Mortgage Loan Application Amount | $651,925,000 |
| Average Mortgage Loan Application Amount | $297,000 |
| Highest Mortgage Loan Application Amount | $3,675,000 |
| Average Applicant Income | $223,200 |
| Highest Applicant Income | $3,201,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Middlesex County Massachusetts | 193 | $ 61,545,000 | $ 318,000 | $ 210,000 |
| Fairfield County Connecticut | 157 | $ 65,775,000 | $ 418,000 | $ 282,000 |
| Westchester County New York | 133 | $ 48,315,000 | $ 363,000 | $ 240,000 |
| Kings County New York | 102 | $ 58,370,000 | $ 572,000 | $ 267,000 |
| Bergen County New Jersey | 87 | $ 32,265,000 | $ 370,000 | $ 255,000 |
| Norfolk County Massachusetts | 82 | $ 26,470,000 | $ 322,000 | $ 229,000 |
| Essex County New Jersey | 80 | $ 28,280,000 | $ 353,000 | $ 291,000 |
| Essex County Massachusetts | 79 | $ 20,265,000 | $ 256,000 | $ 195,000 |
| Cook County Illinois | 73 | $ 27,745,000 | $ 380,000 | $ 283,000 |
| Suffolk County Massachusetts | 72 | $ 23,560,000 | $ 327,000 | $ 249,000 |
| Nassau County New York | 50 | $ 23,970,000 | $ 479,000 | $ 376,000 |
| Hudson County New Jersey | 49 | $ 17,475,000 | $ 356,000 | $ 272,000 |
| New Haven County Connecticut | 44 | $ 5,120,000 | $ 116,000 | $ 100,000 |
| Sullivan County New York | 36 | $ 2,910,000 | $ 80,000 | $ 99,000 |
| Plymouth County Massachusetts | 33 | $ 9,315,000 | $ 282,000 | $ 229,000 |
| Morris County New Jersey | 33 | $ 10,155,000 | $ 307,000 | $ 231,000 |
| Queens County New York | 32 | $ 10,700,000 | $ 334,000 | $ 202,000 |
| Rockland County New York | 31 | $ 7,135,000 | $ 230,000 | $ 184,000 |
| Suffolk County New York | 28 | $ 20,270,000 | $ 723,000 | $ 430,000 |
| Maricopa County Arizona | 24 | $ 12,210,000 | $ 508,000 | $ 315,000 |
| Bristol County Massachusetts | 24 | $ 2,950,000 | $ 122,000 | $ 205,000 |
| Monmouth County New Jersey | 23 | $ 6,905,000 | $ 300,000 | $ 324,000 |
| Ocean County New Jersey | 21 | $ 7,365,000 | $ 350,000 | $ 205,000 |
| Worcester County Massachusetts | 20 | $ 5,510,000 | $ 275,000 | $ 199,000 |
| Bronx County New York | 20 | $ 3,930,000 | $ 196,000 | $ 115,000 |
| Ulster County New York | 20 | $ 1,740,000 | $ 87,000 | $ 97,000 |
| New York County New York | 19 | $ 14,755,000 | $ 776,000 | $ 321,000 |
| Putnam County New York | 19 | $ 4,475,000 | $ 235,000 | $ 194,000 |
| Palm Beach County Florida | 15 | $ 4,445,000 | $ 296,000 | $ 533,000 |
| Hillsborough County New Hampshire | 14 | $ 1,650,000 | $ 117,000 | $ 176,000 |
| Richmond County New York | 14 | $ 5,460,000 | $ 390,000 | $ 166,000 |
| Middlesex County New Jersey | 13 | $ 1,325,000 | $ 101,000 | $ 158,000 |
| Passaic County New Jersey | 13 | $ 1,235,000 | $ 95,000 | $ 84,000 |
| Union County New Jersey | 12 | $ 4,000,000 | $ 333,000 | $ 160,000 |
| Orange County New York | 12 | $ 910,000 | $ 75,000 | $ 159,000 |
| Broward County Florida | 9 | $ 5,065,000 | $ 562,000 | $ 399,000 |
| Somerset County New Jersey | 9 | $ 3,245,000 | $ 360,000 | $ 260,000 |
| Lake County Illinois | 8 | $ 2,190,000 | $ 273,000 | $ 237,000 |
| Barnstable County Massachusetts | 8 | $ 3,000,000 | $ 375,000 | $ 308,000 |
| Dutchess County New York | 8 | $ 1,320,000 | $ 165,000 | $ 143,000 |
| Rockingham County New Hampshire | 7 | $ 925,000 | $ 132,000 | $ 218,000 |
| Miami-Dade County Florida | 6 | $ 2,840,000 | $ 473,000 | $ 348,000 |
| Montgomery County Maryland | 6 | $ 2,420,000 | $ 403,000 | $ 176,000 |
| Burlington County New Jersey | 6 | $ 590,000 | $ 98,000 | $ 302,000 |
| Mercer County New Jersey | 6 | $ 3,190,000 | $ 531,000 | $ 202,000 |
| Montgomery County Pennsylvania | 6 | $ 2,190,000 | $ 365,000 | $ 295,000 |
| Hillsborough County Florida | 5 | $ 2,275,000 | $ 455,000 | $ 276,000 |
| DuPage County Illinois | 5 | $ 2,225,000 | $ 445,000 | $ 201,000 |
| Los Angeles County California | 4 | $ 2,670,000 | $ 667,000 | $ 225,000 |
| Hartford County Connecticut | 4 | $ 720,000 | $ 180,000 | $ 147,000 |
| Pinellas County Florida | 4 | $ 850,000 | $ 212,000 | $ 306,000 |
| Wake County North Carolina | 4 | $ 1,100,000 | $ 275,000 | $ 119,000 |
| Monroe County Pennsylvania | 4 | $ 320,000 | $ 80,000 | $ 91,000 |
| Virginia Beach County Virginia | 4 | $ 180,000 | $ 45,000 | $ 122,000 |
| New London County Connecticut | 3 | $ 835,000 | $ 278,000 | $ 377,000 |
| Sussex County Delaware | 3 | $ 285,000 | $ 95,000 | $ 180,000 |
| Orange County Florida | 3 | $ 275,000 | $ 91,000 | $ 152,000 |
| Seminole County Florida | 3 | $ 725,000 | $ 241,000 | $ 199,000 |
| Walton County Florida | 3 | $ 195,000 | $ 65,000 | $ 148,000 |
| Cumberland County Maine | 3 | $ 485,000 | $ 161,000 | $ 114,000 |
| Berkshire County Massachusetts | 3 | $ 635,000 | $ 211,000 | $ 129,000 |
| Sussex County New Jersey | 3 | $ 375,000 | $ 125,000 | $ 118,000 |
| Columbia County New York | 3 | $ 475,000 | $ 158,000 | $ 73,000 |
| Erie County New York | 3 | $ 305,000 | $ 101,000 | $ 203,000 |
| Monroe County New York | 3 | $ 605,000 | $ 201,000 | $ 606,000 |
| Providence County Rhode Island | 3 | $ 185,000 | $ 61,000 | $ 201,000 |
| Windsor County Vermont | 3 | $ 245,000 | $ 81,000 | $ 46,000 |
| San Bernardino County California | 2 | $ 160,000 | $ 80,000 | $ 118,000 |
| Tolland County Connecticut | 2 | $ 50,000 | $ 25,000 | $ 44,000 |
| Lee County Florida | 2 | $ 140,000 | $ 70,000 | $ 97,000 |
| Okaloosa County Florida | 2 | $ 160,000 | $ 80,000 | $ 199,000 |
| Osceola County Florida | 2 | $ 380,000 | $ 190,000 | $ 165,000 |
| Sarasota County Florida | 2 | $ 320,000 | $ 160,000 | $ 73,000 |
| Will County Illinois | 2 | $ 210,000 | $ 105,000 | $ 302,000 |
| Johnson County Kansas | 2 | $ 260,000 | $ 130,000 | $ 204,000 |
| Hampshire County Massachusetts | 2 | $ 260,000 | $ 130,000 | $ 249,000 |
| Belknap County New Hampshire | 2 | $ 850,000 | $ 425,000 | $ 267,000 |
| Carroll County New Hampshire | 2 | $ 510,000 | $ 255,000 | $ 478,000 |
| Cape May County New Jersey | 2 | $ 850,000 | $ 425,000 | $ 340,000 |
| Gloucester County New Jersey | 2 | $ 140,000 | $ 70,000 | $ 219,000 |
| Hunterdon County New Jersey | 2 | $ 690,000 | $ 345,000 | $ 271,000 |
| Saratoga County New York | 2 | $ 110,000 | $ 55,000 | $ 147,000 |
| Bucks County Pennsylvania | 2 | $ 840,000 | $ 420,000 | $ 359,000 |
| Wayne County Pennsylvania | 2 | $ 330,000 | $ 165,000 | $ 159,000 |
| Beaufort County South Carolina | 2 | $ 900,000 | $ 450,000 | $ 161,000 |
| Charleston County South Carolina | 2 | $ 1,580,000 | $ 790,000 | $ 266,000 |
| York County South Carolina | 2 | $ 310,000 | $ 155,000 | $ 106,000 |
| Charlottesville County Virginia | 2 | $ 1,000,000 | $ 500,000 | $ 466,000 |
| Chesterfield County Virginia | 2 | $ 510,000 | $ 255,000 | $ 320,000 |
| Fairfax County Virginia | 2 | $ 1,260,000 | $ 630,000 | $ 272,000 |
| Lancaster County Virginia | 2 | $ 650,000 | $ 325,000 | $ 120,000 |
| Prince William County Virginia | 2 | $ 1,120,000 | $ 560,000 | $ 824,000 |
| Mobile County Alabama | 1 | $ 115,000 | $ 115,000 | $ 73,000 |
| Montgomery County Alabama | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Baxter County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 29,000 |
| Alameda County California | 1 | $ 25,000 | $ 25,000 | $ 95,000 |
| Riverside County California | 1 | $ 405,000 | $ 405,000 | $ 150,000 |
| Sacramento County California | 1 | $ 225,000 | $ 225,000 | $ 147,000 |
| San Mateo County California | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Santa Clara County California | 1 | $ 105,000 | $ 105,000 | $ 183,000 |
| Boulder County Colorado | 1 | $ 205,000 | $ 205,000 | $ 55,000 |
| Litchfield County Connecticut | 1 | $ 15,000 | $ 15,000 | $ 122,000 |
| Middlesex County Connecticut | 1 | $ 115,000 | $ 115,000 | $ 216,000 |
| New Castle County Delaware | 1 | $ 105,000 | $ 105,000 | $ 185,000 |
| District of Columbia County District Of Columbia | 1 | $ 705,000 | $ 705,000 | $ 315,000 |
| Bay County Florida | 1 | $ 95,000 | $ 95,000 | $ 129,000 |
| Charlotte County Florida | 1 | $ 315,000 | $ 315,000 | $ 112,000 |
| Indian River County Florida | 1 | $ 175,000 | $ 175,000 | $ 164,000 |
| Manatee County Florida | 1 | $ 325,000 | $ 325,000 | $ 129,000 |
| Marion County Florida | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Monroe County Florida | 1 | $ 25,000 | $ 25,000 | $ 146,000 |
| Polk County Florida | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| St. Johns County Florida | 1 | $ 55,000 | $ 55,000 | $ 235,000 |
| St. Lucie County Florida | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Volusia County Florida | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Barrow County Georgia | 1 | $ 55,000 | $ 55,000 | $ 99,000 |
| Chatham County Georgia | 1 | $ 1,125,000 | $ 1,125,000 | $ 891,000 |
| Cherokee County Georgia | 1 | $ 75,000 | $ 75,000 | $ 186,000 |
| Cobb County Georgia | 1 | $ 95,000 | $ 95,000 | $ 241,000 |
| Colquitt County Georgia | 1 | $ 25,000 | $ 25,000 | $ 15,000 |
| DeKalb County Georgia | 1 | $ 235,000 | $ 235,000 | $ 91,000 |
| Forsyth County Georgia | 1 | $ 375,000 | $ 375,000 | $ 122,000 |
| Fulton County Georgia | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Morgan County Georgia | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Champaign County Illinois | 1 | $ 25,000 | $ 25,000 | $ 0 |
| Kane County Illinois | 1 | $ 355,000 | $ 355,000 | $ 120,000 |
| Caddo County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Androscoggin County Maine | 1 | $ 45,000 | $ 45,000 | $ 104,000 |
| Oxford County Maine | 1 | $ 755,000 | $ 755,000 | $ 432,000 |
| Anne Arundel County Maryland | 1 | $ 55,000 | $ 55,000 | $ 177,000 |
| Baltimore County Maryland | 1 | $ 25,000 | $ 25,000 | $ 131,000 |
| Hampden County Massachusetts | 1 | $ 265,000 | $ 265,000 | $ 123,000 |
| Oakland County Michigan | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Washtenaw County Michigan | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Wayne County Michigan | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| Alcorn County Mississippi | 1 | $ 15,000 | $ 15,000 | $ 27,000 |
| Clay County Missouri | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Jackson County Missouri | 1 | $ 55,000 | $ 55,000 | $ 254,000 |
| Clark County Nevada | 1 | $ 35,000 | $ 35,000 | $ 124,000 |
| Cheshire County New Hampshire | 1 | $ 105,000 | $ 105,000 | $ 168,000 |
| Grafton County New Hampshire | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Merrimack County New Hampshire | 1 | $ 55,000 | $ 55,000 | $ 147,000 |
| Atlantic County New Jersey | 1 | $ 55,000 | $ 55,000 | $ 146,000 |
| Delaware County New York | 1 | $ 165,000 | $ 165,000 | $ 138,000 |
| Fulton County New York | 1 | $ 85,000 | $ 85,000 | $ 59,000 |
| Herkimer County New York | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Onondaga County New York | 1 | $ 95,000 | $ 95,000 | $ 119,000 |
| Orleans County New York | 1 | $ 285,000 | $ 285,000 | $ 64,000 |
| Otsego County New York | 1 | $ 25,000 | $ 25,000 | $ 69,000 |
| Schenectady County New York | 1 | $ 85,000 | $ 85,000 | $ 56,000 |
| Brunswick County North Carolina | 1 | $ 335,000 | $ 335,000 | $ 90,000 |
| Craven County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 132,000 |
| Durham County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Hertford County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 99,000 |
| Johnston County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Mecklenburg County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 60,000 |
| Nash County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 76,000 |
| Orange County North Carolina | 1 | $ 1,125,000 | $ 1,125,000 | $ 284,000 |
| Cuyahoga County Ohio | 1 | $ 65,000 | $ 65,000 | $ 121,000 |
| Hamilton County Ohio | 1 | $ 115,000 | $ 115,000 | $ 382,000 |
| Lorain County Ohio | 1 | $ 55,000 | $ 55,000 | $ 102,000 |
| Portage County Ohio | 1 | $ 75,000 | $ 75,000 | $ 47,000 |
| Clackamas County Oregon | 1 | $ 85,000 | $ 85,000 | $ 178,000 |
| Multnomah County Oregon | 1 | $ 445,000 | $ 445,000 | $ 175,000 |
| Carbon County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 153,000 |
| Chester County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 130,000 |
| Cumberland County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 232,000 |
| Lancaster County Pennsylvania | 1 | $ 605,000 | $ 605,000 | $ 307,000 |
| Lehigh County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Philadelphia County Pennsylvania | 1 | $ 215,000 | $ 215,000 | $ 29,000 |
| Pike County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 33,000 |
| Newport County Rhode Island | 1 | $ 755,000 | $ 755,000 | $ 707,000 |
| Washington County Rhode Island | 1 | $ 155,000 | $ 155,000 | $ 146,000 |
| Florence County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 42,000 |
| Lexington County South Carolina | 1 | $ 115,000 | $ 115,000 | $ 28,000 |
| Hickman County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 63,000 |
| Robertson County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Rutherford County Tennessee | 1 | $ 225,000 | $ 225,000 | $ 81,000 |
| Shelby County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 155,000 |
| Sullivan County Tennessee | 1 | $ 45,000 | $ 45,000 | $ 328,000 |
| Bexar County Texas | 1 | $ 15,000 | $ 15,000 | $ 209,000 |
| Fort Bend County Texas | 1 | $ 25,000 | $ 25,000 | $ 226,000 |
| Harris County Texas | 1 | $ 345,000 | $ 345,000 | $ 177,000 |
| Kane County Utah | 1 | $ 55,000 | $ 55,000 | $ 124,000 |
| James City County Virginia | 1 | $ 305,000 | $ 305,000 | $ 99,000 |
| Loudoun County Virginia | 1 | $ 805,000 | $ 805,000 | $ 346,000 |
| Stafford County Virginia | 1 | $ 35,000 | $ 35,000 | $ 232,000 |
| Marinette County Wisconsin | 1 | $ 485,000 | $ 485,000 | $ 237,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2019
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 | 736 | $314,300,000 | $427,000 | $3,675,000 | $277,000 | $3,201,000 |
| Cash-out Refinancing | 451 | $155,325,000 | $344,000 | $2,505,000 | $225,000 | $1,390,000 |
| Other Purpose | 313 | $31,475,000 | $100,000 | $875,000 | $176,000 | $1,124,000 |
| Refinancing | 250 | $125,610,000 | $502,000 | $2,165,000 | $271,000 | $1,121,000 |
| Home Improvement | 225 | $25,215,000 | $112,000 | $1,005,000 | $167,000 | $626,000 |
| Not Applicable | 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 | 1,334 | $464,100,000 | $347,000 | $3,675,000 | $249,000 | $2,537,000 |
| Not Provided | 333 | $103,925,000 | $312,000 | $1,445,000 | $233,000 | $3,201,000 |
| Black or African American | 128 | $25,940,000 | $202,000 | $1,505,000 | $156,000 | $875,000 |
| Hispanic | 91 | $21,785,000 | $239,000 | $1,445,000 | $172,000 | $583,000 |
| Asian | 68 | $32,460,000 | $477,000 | $2,505,000 | $271,000 | $833,000 |
| American Indian or Alaskan Native | 5 | $1,085,000 | $217,000 | $615,000 | $168,000 | $330,000 |
| 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) | 1,975 | $651,925,000 | $330,000 | $3,675,000 | $236,000 | $3,201,000 |
| 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 | 1,162 | $421,440,000 | $362,000 | $3,675,000 | $259,000 | $3,201,000 |
| Application Denied By Financial Institution | 438 | $119,930,000 | $273,000 | $2,155,000 | $180,000 | $2,440,000 |
| Application Withdrawn By Applicant | 264 | $81,400,000 | $308,000 | $3,375,000 | $218,000 | $2,537,000 |
| File Closed For Incompleteness | 99 | $24,825,000 | $250,000 | $1,205,000 | $224,000 | $1,000,000 |
| Application Approved But Not Accepted | 12 | $4,330,000 | $360,000 | $1,085,000 | $417,000 | $824,000 |
| 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 | 1,125 | $548,015,000 | $487,000 | $3,675,000 | $227,000 | $2,537,000 |
| Not applicable | 713 | $88,155,000 | $123,000 | $975,000 | $251,000 | $3,201,000 |
| Collateral | 71 | $7,115,000 | $100,000 | $505,000 | $258,000 | $2,440,000 |
| Credit History | 41 | $4,425,000 | $107,000 | $505,000 | $155,000 | $485,000 |
| Other | 17 | $2,865,000 | $168,000 | $505,000 | $343,000 | $1,044,000 |
| Employment History | 5 | $1,105,000 | $221,000 | $635,000 | $159,000 | $270,000 |
| Unverifiable Information | 2 | $210,000 | $105,000 | $155,000 | $225,000 | $261,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $261,000 | $261,000 |
| 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 2019 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.