Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
Usalliance Federal Credit Union 2021 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 | 1,787 |
| Total Mortgage Loan Application Amount | $750,395,000 |
| Average Mortgage Loan Application Amount | $332,166 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $243,666 |
| Highest Applicant Income | $3,948,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfield County Connecticut | 199 | $ 124,625,000 | $ 626,000 | $ 369,000 |
| Westchester County New York | 167 | $ 82,085,000 | $ 491,000 | $ 336,000 |
| Kings County New York | 122 | $ 79,290,000 | $ 649,000 | $ 270,000 |
| Middlesex County Massachusetts | 99 | $ 37,695,000 | $ 380,000 | $ 250,000 |
| Bergen County New Jersey | 64 | $ 25,540,000 | $ 399,000 | $ 351,000 |
| Maricopa County Arizona | 51 | $ 31,695,000 | $ 621,000 | $ 280,000 |
| Nassau County New York | 50 | $ 27,590,000 | $ 551,000 | $ 290,000 |
| Norfolk County Massachusetts | 46 | $ 27,290,000 | $ 593,000 | $ 363,000 |
| Suffolk County Massachusetts | 46 | $ 15,570,000 | $ 338,000 | $ 265,000 |
| Essex County New Jersey | 42 | $ 22,060,000 | $ 525,000 | $ 329,000 |
| Cook County Illinois | 41 | $ 17,625,000 | $ 429,000 | $ 265,000 |
| Suffolk County New York | 40 | $ 17,790,000 | $ 444,000 | $ 536,000 |
| Essex County Massachusetts | 39 | $ 8,465,000 | $ 217,000 | $ 198,000 |
| Queens County New York | 38 | $ 17,430,000 | $ 458,000 | $ 215,000 |
| New Haven County Connecticut | 35 | $ 7,225,000 | $ 206,000 | $ 256,000 |
| Hudson County New Jersey | 30 | $ 11,970,000 | $ 399,000 | $ 254,000 |
| Morris County New Jersey | 26 | $ 11,620,000 | $ 446,000 | $ 421,000 |
| Bristol County Massachusetts | 25 | $ 3,245,000 | $ 129,000 | $ 186,000 |
| Plymouth County Massachusetts | 25 | $ 4,885,000 | $ 195,000 | $ 222,000 |
| New York County New York | 24 | $ 19,710,000 | $ 821,000 | $ 420,000 |
| Rockland County New York | 24 | $ 5,620,000 | $ 234,000 | $ 268,000 |
| Broward County Florida | 23 | $ 3,925,000 | $ 170,000 | $ 246,000 |
| Miami-Dade County Florida | 23 | $ 7,665,000 | $ 333,000 | $ 307,000 |
| Monmouth County New Jersey | 23 | $ 12,565,000 | $ 546,000 | $ 339,000 |
| Palm Beach County Florida | 22 | $ 6,470,000 | $ 294,000 | $ 264,000 |
| Sullivan County New York | 22 | $ 2,730,000 | $ 124,000 | $ 93,000 |
| Worcester County Massachusetts | 21 | $ 3,665,000 | $ 174,000 | $ 392,000 |
| Ocean County New Jersey | 18 | $ 5,840,000 | $ 324,000 | $ 486,000 |
| Ulster County New York | 15 | $ 2,195,000 | $ 146,000 | $ 204,000 |
| Hillsborough County New Hampshire | 14 | $ 2,020,000 | $ 144,000 | $ 177,000 |
| Middlesex County New Jersey | 14 | $ 3,000,000 | $ 214,000 | $ 352,000 |
| Putnam County New York | 13 | $ 3,035,000 | $ 233,000 | $ 163,000 |
| Barnstable County Massachusetts | 12 | $ 6,910,000 | $ 575,000 | $ 410,000 |
| Union County New Jersey | 12 | $ 7,750,000 | $ 645,000 | $ 453,000 |
| Bronx County New York | 11 | $ 2,005,000 | $ 182,000 | $ 140,000 |
| Dutchess County New York | 11 | $ 3,045,000 | $ 276,000 | $ 194,000 |
| Richmond County New York | 11 | $ 2,305,000 | $ 209,000 | $ 167,000 |
| DuPage County Illinois | 10 | $ 4,190,000 | $ 419,000 | $ 261,000 |
| Passaic County New Jersey | 10 | $ 1,330,000 | $ 133,000 | $ 347,000 |
| Orange County New York | 10 | $ 2,160,000 | $ 216,000 | $ 447,000 |
| Somerset County New Jersey | 9 | $ 3,305,000 | $ 367,000 | $ 196,000 |
| Hillsborough County Florida | 8 | $ 1,800,000 | $ 225,000 | $ 241,000 |
| Los Angeles County California | 7 | $ 5,505,000 | $ 786,000 | $ 194,000 |
| Bucks County Pennsylvania | 6 | $ 880,000 | $ 146,000 | $ 338,000 |
| Fairfax County Virginia | 6 | $ 2,630,000 | $ 438,000 | $ 156,000 |
| Riverside County California | 5 | $ 1,355,000 | $ 271,000 | $ 100,000 |
| Volusia County Florida | 5 | $ 445,000 | $ 89,000 | $ 99,000 |
| Lake County Illinois | 5 | $ 1,805,000 | $ 361,000 | $ 281,000 |
| Mecklenburg County North Carolina | 5 | $ 2,465,000 | $ 493,000 | $ 201,000 |
| DeKalb County Georgia | 4 | $ 430,000 | $ 107,000 | $ 71,000 |
| Montgomery County Maryland | 4 | $ 2,630,000 | $ 657,000 | $ 232,000 |
| Mercer County New Jersey | 4 | $ 1,080,000 | $ 270,000 | $ 246,000 |
| Wake County North Carolina | 4 | $ 850,000 | $ 212,000 | $ 226,000 |
| Montgomery County Pennsylvania | 4 | $ 710,000 | $ 177,000 | $ 165,000 |
| Mohave County Arizona | 3 | $ 825,000 | $ 275,000 | $ 173,000 |
| Hartford County Connecticut | 3 | $ 425,000 | $ 141,000 | $ 164,000 |
| Litchfield County Connecticut | 3 | $ 895,000 | $ 298,000 | $ 136,000 |
| Pasco County Florida | 3 | $ 235,000 | $ 78,000 | $ 93,000 |
| Pinellas County Florida | 3 | $ 395,000 | $ 131,000 | $ 185,000 |
| Seminole County Florida | 3 | $ 1,125,000 | $ 375,000 | $ 213,000 |
| Gwinnett County Georgia | 3 | $ 325,000 | $ 108,000 | $ 212,000 |
| Vigo County Indiana | 3 | $ 195,000 | $ 65,000 | $ 63,000 |
| York County Maine | 3 | $ 295,000 | $ 98,000 | $ 237,000 |
| Hampshire County Massachusetts | 3 | $ 315,000 | $ 105,000 | $ 368,000 |
| Rockingham County New Hampshire | 3 | $ 705,000 | $ 235,000 | $ 299,000 |
| Hunterdon County New Jersey | 3 | $ 745,000 | $ 248,000 | $ 152,000 |
| Warren County New Jersey | 3 | $ 185,000 | $ 61,000 | $ 101,000 |
| Providence County Rhode Island | 3 | $ 305,000 | $ 101,000 | $ 156,000 |
| Albemarle County Virginia | 3 | $ 495,000 | $ 165,000 | $ 226,000 |
| Pima County Arizona | 2 | $ 810,000 | $ 405,000 | $ 241,000 |
| Tolland County Connecticut | 2 | $ 200,000 | $ 100,000 | $ 154,000 |
| Collier County Florida | 2 | $ 130,000 | $ 65,000 | $ 143,000 |
| Osceola County Florida | 2 | $ 140,000 | $ 70,000 | $ 121,000 |
| Polk County Florida | 2 | $ 250,000 | $ 125,000 | $ 45,000 |
| Cumberland County Maine | 2 | $ 220,000 | $ 110,000 | $ 355,000 |
| Baltimore County Maryland | 2 | $ 470,000 | $ 235,000 | $ 105,000 |
| Baltimore City County Maryland | 2 | $ 230,000 | $ 115,000 | $ 82,000 |
| Howard County Maryland | 2 | $ 710,000 | $ 355,000 | $ 188,000 |
| Berkshire County Massachusetts | 2 | $ 2,330,000 | $ 1,165,000 | $ 418,000 |
| Belknap County New Hampshire | 2 | $ 1,630,000 | $ 815,000 | $ 905,000 |
| Carroll County New Hampshire | 2 | $ 1,280,000 | $ 640,000 | $ 698,000 |
| Grafton County New Hampshire | 2 | $ 260,000 | $ 130,000 | $ 125,000 |
| Burlington County New Jersey | 2 | $ 450,000 | $ 225,000 | $ 144,000 |
| Fulton County New York | 2 | $ 1,000,000 | $ 500,000 | $ 350,000 |
| Greene County New York | 2 | $ 840,000 | $ 420,000 | $ 691,000 |
| Burke County North Carolina | 2 | $ 190,000 | $ 95,000 | $ 125,000 |
| Philadelphia County Pennsylvania | 2 | $ 60,000 | $ 30,000 | $ 174,000 |
| York County Pennsylvania | 2 | $ 60,000 | $ 30,000 | $ 167,000 |
| Newport County Rhode Island | 2 | $ 860,000 | $ 430,000 | $ 114,000 |
| Charleston County South Carolina | 2 | $ 1,500,000 | $ 750,000 | $ 371,000 |
| Milwaukee County Wisconsin | 2 | $ 450,000 | $ 225,000 | $ 199,000 |
| Winnebago County Wisconsin | 2 | $ 270,000 | $ 135,000 | $ 51,000 |
| Kern County California | 1 | $ 345,000 | $ 345,000 | $ 99,000 |
| Nevada County California | 1 | $ 205,000 | $ 205,000 | $ 76,000 |
| Orange County California | 1 | $ 105,000 | $ 105,000 | $ 148,000 |
| Placer County California | 1 | $ 15,000 | $ 15,000 | $ 303,000 |
| Plumas County California | 1 | $ 145,000 | $ 145,000 | $ 116,000 |
| Sacramento County California | 1 | $ 395,000 | $ 395,000 | $ 96,000 |
| San Bernardino County California | 1 | $ 105,000 | $ 105,000 | $ 132,000 |
| San Diego County California | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| San Joaquin County California | 1 | $ 245,000 | $ 245,000 | $ 52,000 |
| San Luis Obispo County California | 1 | $ 355,000 | $ 355,000 | $ 95,000 |
| Santa Barbara County California | 1 | $ 495,000 | $ 495,000 | $ 173,000 |
| Stanislaus County California | 1 | $ 385,000 | $ 385,000 | $ 139,000 |
| Middlesex County Connecticut | 1 | $ 535,000 | $ 535,000 | $ 119,000 |
| District of Columbia County District Of Columbia | 1 | $ 35,000 | $ 35,000 | $ 119,000 |
| Brevard County Florida | 1 | $ 205,000 | $ 205,000 | $ 275,000 |
| Duval County Florida | 1 | $ 125,000 | $ 125,000 | $ 91,000 |
| Hendry County Florida | 1 | $ 65,000 | $ 65,000 | $ 77,000 |
| Lee County Florida | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Marion County Florida | 1 | $ 65,000 | $ 65,000 | $ 103,000 |
| Martin County Florida | 1 | $ 375,000 | $ 375,000 | $ 135,000 |
| St. Johns County Florida | 1 | $ 175,000 | $ 175,000 | $ 65,000 |
| Walton County Florida | 1 | $ 825,000 | $ 825,000 | $ 240,000 |
| Bibb County Georgia | 1 | $ 115,000 | $ 115,000 | $ 32,000 |
| Clarke County Georgia | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Cobb County Georgia | 1 | $ 85,000 | $ 85,000 | $ 292,000 |
| Douglas County Georgia | 1 | $ 235,000 | $ 235,000 | $ 82,000 |
| Forsyth County Georgia | 1 | $ 495,000 | $ 495,000 | $ 499,000 |
| Muscogee County Georgia | 1 | $ 75,000 | $ 75,000 | $ 38,000 |
| Kane County Illinois | 1 | $ 295,000 | $ 295,000 | $ 133,000 |
| Kendall County Illinois | 1 | $ 275,000 | $ 275,000 | $ 114,000 |
| Will County Illinois | 1 | $ 85,000 | $ 85,000 | $ 146,000 |
| Lake County Indiana | 1 | $ 295,000 | $ 295,000 | $ 82,000 |
| Johnson County Kansas | 1 | $ 105,000 | $ 105,000 | $ 332,000 |
| Fayette County Kentucky | 1 | $ 205,000 | $ 205,000 | $ 126,000 |
| Livingston County Louisiana | 1 | $ 455,000 | $ 455,000 | $ 283,000 |
| St. James County Louisiana | 1 | $ 105,000 | $ 105,000 | $ 283,000 |
| Tangipahoa County Louisiana | 1 | $ 245,000 | $ 245,000 | $ 165,000 |
| Terrebonne County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 11,000 |
| Anne Arundel County Maryland | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Frederick County Maryland | 1 | $ 505,000 | $ 505,000 | $ 165,000 |
| Harford County Maryland | 1 | $ 545,000 | $ 545,000 | $ 184,000 |
| Prince George's County Maryland | 1 | $ 405,000 | $ 405,000 | $ 122,000 |
| Talbot County Maryland | 1 | $ 505,000 | $ 505,000 | $ 933,000 |
| Dickinson County Michigan | 1 | $ 55,000 | $ 55,000 | $ 270,000 |
| Gladwin County Michigan | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Macomb County Michigan | 1 | $ 175,000 | $ 175,000 | $ 70,000 |
| Hennepin County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 192,000 |
| Washington County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 209,000 |
| Jackson County Missouri | 1 | $ 175,000 | $ 175,000 | $ 62,000 |
| Morgan County Missouri | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| Gallatin County Montana | 1 | $ 305,000 | $ 305,000 | $ 178,000 |
| Atlantic County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 31,000 |
| Cape May County New Jersey | 1 | $ 735,000 | $ 735,000 | $ 423,000 |
| Gloucester County New Jersey | 1 | $ 95,000 | $ 95,000 | $ 96,000 |
| Bernalillo County New Mexico | 1 | $ 295,000 | $ 295,000 | $ 77,000 |
| Albany County New York | 1 | $ 55,000 | $ 55,000 | $ 156,000 |
| Erie County New York | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Herkimer County New York | 1 | $ 45,000 | $ 45,000 | $ 14,000 |
| Monroe County New York | 1 | $ 105,000 | $ 105,000 | $ 1,094,000 |
| Oswego County New York | 1 | $ 75,000 | $ 75,000 | $ 131,000 |
| Rensselaer County New York | 1 | $ 495,000 | $ 495,000 | $ 820,000 |
| St. Lawrence County New York | 1 | $ 45,000 | $ 45,000 | $ 30,000 |
| Alamance County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Brunswick County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Cabarrus County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 69,000 |
| Catawba County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 91,000 |
| Dare County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 60,000 |
| Durham County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Lincoln County North Carolina | 1 | $ 605,000 | $ 605,000 | $ 228,000 |
| Moore County North Carolina | 1 | $ 905,000 | $ 905,000 | $ 244,000 |
| Union County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 30,000 |
| Butler County Ohio | 1 | $ 285,000 | $ 285,000 | $ 532,000 |
| Lorain County Ohio | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Stark County Ohio | 1 | $ 85,000 | $ 85,000 | $ 49,000 |
| Summit County Ohio | 1 | $ 55,000 | $ 55,000 | $ 58,000 |
| Chester County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 195,000 |
| Lackawanna County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 117,000 |
| Lebanon County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 110,000 |
| Northampton County Pennsylvania | 1 | $ 265,000 | $ 265,000 | $ 152,000 |
| Pike County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 209,000 |
| Beaufort County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 96,000 |
| Richland County South Carolina | 1 | $ 65,000 | $ 65,000 | $ 3,948,000 |
| York County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 1,380,000 |
| Shelby County Tennessee | 1 | $ 445,000 | $ 445,000 | $ 782,000 |
| Collin County Texas | 1 | $ 225,000 | $ 225,000 | $ 739,000 |
| Bennington County Vermont | 1 | $ 635,000 | $ 635,000 | $ 502,000 |
| Franklin County Vermont | 1 | $ 35,000 | $ 35,000 | $ 86,000 |
| Charlottesville County Virginia | 1 | $ 45,000 | $ 45,000 | $ 48,000 |
| Lancaster County Virginia | 1 | $ 805,000 | $ 805,000 | $ 150,000 |
| Loudoun County Virginia | 1 | $ 75,000 | $ 75,000 | $ 205,000 |
| Northampton County Virginia | 1 | $ 15,000 | $ 15,000 | $ 30,000 |
| King County Washington | 1 | $ 255,000 | $ 255,000 | $ 151,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2021
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 |
|---|---|---|---|---|---|---|
| Cash-out Refinancing | 656 | $192,770,000 | $293,000 | $2,005,000 | $269,000 | $3,948,000 |
| Home Purchase | 566 | $298,590,000 | $527,000 | $1,755,000 | $326,000 | $3,119,000 |
| Refinancing | 347 | $221,175,000 | $637,000 | $1,965,000 | $343,000 | $2,644,000 |
| Home Improvement | 134 | $23,300,000 | $173,000 | $1,505,000 | $231,000 | $1,241,000 |
| Other Purpose | 73 | $12,435,000 | $170,000 | $1,145,000 | $173,000 | $839,000 |
| Not Applicable | 11 | $2,125,000 | $193,000 | $605,000 | $120,000 | $288,000 |
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 | 1,140 | $493,210,000 | $432,000 | $1,965,000 | $301,000 | $2,644,000 |
| Not Provided | 336 | $135,260,000 | $402,000 | $2,005,000 | $288,000 | $3,119,000 |
| Black or African American | 110 | $34,060,000 | $309,000 | $1,495,000 | $225,000 | $3,948,000 |
| Hispanic | 89 | $29,405,000 | $330,000 | $1,325,000 | $252,000 | $1,860,000 |
| Asian | 85 | $49,715,000 | $584,000 | $1,775,000 | $360,000 | $3,060,000 |
| American Indian or Alaskan Native | 6 | $980,000 | $163,000 | $345,000 | $119,000 | $270,000 |
| 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) | 1,787 | $750,395,000 | $419,000 | $2,005,000 | $294,000 | $3,948,000 |
| 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 | 1,061 | $478,695,000 | $451,000 | $1,965,000 | $295,000 | $2,131,000 |
| Application Withdrawn By Applicant | 402 | $175,470,000 | $436,000 | $2,005,000 | $328,000 | $3,119,000 |
| Application Denied By Financial Institution | 171 | $49,295,000 | $288,000 | $1,755,000 | $204,000 | $3,948,000 |
| File Closed For Incompleteness | 143 | $41,675,000 | $291,000 | $1,505,000 | $296,000 | $3,060,000 |
| Application Approved But Not Accepted | 10 | $5,260,000 | $526,000 | $1,055,000 | $251,000 | $445,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 1,616 | $701,100,000 | $433,000 | $2,005,000 | $303,000 | $3,119,000 |
| Debt-To-Income Ratio | 75 | $21,815,000 | $290,000 | $1,215,000 | $104,000 | $378,000 |
| Credit History | 41 | $7,645,000 | $186,000 | $715,000 | $225,000 | $1,572,000 |
| Collateral | 29 | $11,805,000 | $407,000 | $1,485,000 | $230,000 | $739,000 |
| Other | 19 | $5,345,000 | $281,000 | $1,755,000 | $522,000 | $3,948,000 |
| Unverifiable Information | 3 | $1,805,000 | $601,000 | $1,325,000 | $249,000 | $475,000 |
| Employment History | 2 | $430,000 | $215,000 | $275,000 | $105,000 | $210,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $45,000 | $45,000 | $45,000 | $73,000 | $73,000 |
| Credit Application Incomplete | 1 | $405,000 | $405,000 | $405,000 | $105,000 | $105,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Usalliance Federal Credit Union's 2021 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.