Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Usalliance Federal Credit Union 2022 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 | 2,095 |
| Total Mortgage Loan Application Amount | $833,465,000 |
| Average Mortgage Loan Application Amount | $389,400 |
| Highest Mortgage Loan Application Amount | $2,105,000 |
| Average Applicant Income | $265,800 |
| Highest Applicant Income | $6,912,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 126 | $ 65,290,000 | $ 518,000 | $ 380,000 |
| Westchester County New York | 118 | $ 59,260,000 | $ 502,000 | $ 426,000 |
| Kings County New York | 106 | $ 74,440,000 | $ 702,000 | $ 347,000 |
| Middlesex County Massachusetts | 99 | $ 43,675,000 | $ 441,000 | $ 282,000 |
| Bergen County New Jersey | 75 | $ 39,195,000 | $ 522,000 | $ 339,000 |
| Essex County New Jersey | 60 | $ 28,350,000 | $ 472,000 | $ 311,000 |
| Queens County New York | 58 | $ 31,970,000 | $ 551,000 | $ 231,000 |
| Cook County Illinois | 54 | $ 22,240,000 | $ 411,000 | $ 266,000 |
| Nassau County New York | 53 | $ 29,265,000 | $ 552,000 | $ 296,000 |
| Suffolk County Massachusetts | 52 | $ 26,200,000 | $ 503,000 | $ 365,000 |
| Los Angeles County California | 47 | $ 13,515,000 | $ 287,000 | $ 292,000 |
| Hudson County New Jersey | 40 | $ 21,090,000 | $ 527,000 | $ 316,000 |
| Morris County New Jersey | 38 | $ 17,150,000 | $ 451,000 | $ 307,000 |
| Monmouth County New Jersey | 37 | $ 12,855,000 | $ 347,000 | $ 337,000 |
| Norfolk County Massachusetts | 35 | $ 18,675,000 | $ 533,000 | $ 331,000 |
| Suffolk County New York | 32 | $ 17,600,000 | $ 550,000 | $ 473,000 |
| New York County New York | 31 | $ 20,095,000 | $ 648,000 | $ 383,000 |
| Essex County Massachusetts | 29 | $ 10,685,000 | $ 368,000 | $ 207,000 |
| Union County New Jersey | 25 | $ 10,235,000 | $ 409,000 | $ 246,000 |
| Ocean County New Jersey | 24 | $ 9,020,000 | $ 375,000 | $ 223,000 |
| Rockland County New York | 24 | $ 7,610,000 | $ 317,000 | $ 176,000 |
| Broward County Florida | 22 | $ 7,620,000 | $ 346,000 | $ 233,000 |
| Maricopa County Arizona | 21 | $ 12,145,000 | $ 578,000 | $ 557,000 |
| Middlesex County New Jersey | 20 | $ 4,310,000 | $ 215,000 | $ 242,000 |
| New Haven County Connecticut | 19 | $ 5,075,000 | $ 267,000 | $ 155,000 |
| Sullivan County New York | 18 | $ 2,270,000 | $ 126,000 | $ 159,000 |
| Miami-Dade County Florida | 17 | $ 7,505,000 | $ 441,000 | $ 341,000 |
| Palm Beach County Florida | 16 | $ 7,860,000 | $ 491,000 | $ 318,000 |
| Plymouth County Massachusetts | 16 | $ 9,010,000 | $ 563,000 | $ 330,000 |
| Worcester County Massachusetts | 16 | $ 3,100,000 | $ 193,000 | $ 177,000 |
| Richmond County New York | 15 | $ 7,445,000 | $ 496,000 | $ 186,000 |
| King County Washington | 14 | $ 4,690,000 | $ 335,000 | $ 318,000 |
| Cobb County Georgia | 13 | $ 1,795,000 | $ 138,000 | $ 188,000 |
| Orange County California | 12 | $ 3,140,000 | $ 261,000 | $ 236,000 |
| Fulton County Georgia | 12 | $ 3,000,000 | $ 250,000 | $ 267,000 |
| Barnstable County Massachusetts | 12 | $ 3,730,000 | $ 310,000 | $ 264,000 |
| Bristol County Massachusetts | 12 | $ 3,130,000 | $ 260,000 | $ 151,000 |
| Passaic County New Jersey | 12 | $ 3,370,000 | $ 280,000 | $ 144,000 |
| Somerset County New Jersey | 12 | $ 4,860,000 | $ 405,000 | $ 195,000 |
| Bronx County New York | 12 | $ 4,160,000 | $ 346,000 | $ 199,000 |
| Montgomery County Pennsylvania | 12 | $ 3,180,000 | $ 265,000 | $ 342,000 |
| Alameda County California | 11 | $ 3,415,000 | $ 310,000 | $ 302,000 |
| DuPage County Illinois | 11 | $ 2,995,000 | $ 272,000 | $ 283,000 |
| Orange County New York | 11 | $ 2,325,000 | $ 211,000 | $ 138,000 |
| Ulster County New York | 11 | $ 3,725,000 | $ 338,000 | $ 299,000 |
| DeKalb County Georgia | 10 | $ 2,910,000 | $ 291,000 | $ 200,000 |
| Hillsborough County New Hampshire | 10 | $ 1,900,000 | $ 190,000 | $ 159,000 |
| Rockingham County New Hampshire | 9 | $ 3,285,000 | $ 365,000 | $ 227,000 |
| Philadelphia County Pennsylvania | 9 | $ 2,535,000 | $ 281,000 | $ 253,000 |
| Contra Costa County California | 8 | $ 1,990,000 | $ 248,000 | $ 260,000 |
| San Diego County California | 8 | $ 2,930,000 | $ 366,000 | $ 212,000 |
| Santa Clara County California | 8 | $ 2,950,000 | $ 368,000 | $ 400,000 |
| St. Louis County Missouri | 8 | $ 1,390,000 | $ 173,000 | $ 189,000 |
| Dutchess County New York | 8 | $ 2,220,000 | $ 277,000 | $ 198,000 |
| Denver County Colorado | 7 | $ 2,395,000 | $ 342,000 | $ 266,000 |
| Middlesex County Connecticut | 7 | $ 1,505,000 | $ 215,000 | $ 239,000 |
| Hennepin County Minnesota | 7 | $ 1,605,000 | $ 229,000 | $ 201,000 |
| Mecklenburg County North Carolina | 7 | $ 2,855,000 | $ 407,000 | $ 236,000 |
| Union County North Carolina | 7 | $ 2,555,000 | $ 365,000 | $ 265,000 |
| Wake County North Carolina | 7 | $ 1,455,000 | $ 207,000 | $ 286,000 |
| Riverside County California | 6 | $ 1,240,000 | $ 206,000 | $ 200,000 |
| Hartford County Connecticut | 6 | $ 1,460,000 | $ 243,000 | $ 228,000 |
| Pinellas County Florida | 6 | $ 1,230,000 | $ 205,000 | $ 208,000 |
| Montgomery County Maryland | 6 | $ 1,080,000 | $ 180,000 | $ 198,000 |
| Ramsey County Minnesota | 6 | $ 820,000 | $ 136,000 | $ 167,000 |
| Camden County New Jersey | 6 | $ 1,270,000 | $ 211,000 | $ 268,000 |
| Hunterdon County New Jersey | 6 | $ 1,300,000 | $ 216,000 | $ 157,000 |
| Sussex County New Jersey | 6 | $ 950,000 | $ 158,000 | $ 245,000 |
| Putnam County New York | 6 | $ 1,310,000 | $ 218,000 | $ 159,000 |
| Fairfax County Virginia | 6 | $ 2,670,000 | $ 445,000 | $ 296,000 |
| Sacramento County California | 5 | $ 1,445,000 | $ 289,000 | $ 207,000 |
| San Bernardino County California | 5 | $ 1,035,000 | $ 207,000 | $ 228,000 |
| Litchfield County Connecticut | 5 | $ 2,825,000 | $ 565,000 | $ 206,000 |
| Collier County Florida | 5 | $ 2,125,000 | $ 425,000 | $ 243,000 |
| Orange County Florida | 5 | $ 1,255,000 | $ 251,000 | $ 201,000 |
| Lake County Illinois | 5 | $ 1,315,000 | $ 263,000 | $ 325,000 |
| Hampden County Massachusetts | 5 | $ 345,000 | $ 69,000 | $ 106,000 |
| Delaware County Ohio | 5 | $ 965,000 | $ 193,000 | $ 214,000 |
| Franklin County Ohio | 5 | $ 785,000 | $ 157,000 | $ 235,000 |
| Delaware County Pennsylvania | 5 | $ 3,905,000 | $ 781,000 | $ 612,000 |
| San Francisco County California | 4 | $ 1,720,000 | $ 430,000 | $ 466,000 |
| District of Columbia County District Of Columbia | 4 | $ 1,070,000 | $ 267,000 | $ 255,000 |
| Lee County Florida | 4 | $ 760,000 | $ 190,000 | $ 191,000 |
| St. Lucie County Florida | 4 | $ 740,000 | $ 185,000 | $ 104,000 |
| Baltimore County Maryland | 4 | $ 670,000 | $ 167,000 | $ 282,000 |
| Prince George's County Maryland | 4 | $ 860,000 | $ 215,000 | $ 91,000 |
| Jackson County Missouri | 4 | $ 650,000 | $ 162,000 | $ 114,000 |
| Durham County North Carolina | 4 | $ 1,110,000 | $ 277,000 | $ 263,000 |
| Newport County Rhode Island | 4 | $ 780,000 | $ 195,000 | $ 245,000 |
| Virginia Beach County Virginia | 4 | $ 560,000 | $ 140,000 | $ 191,000 |
| Pierce County Washington | 4 | $ 1,350,000 | $ 337,000 | $ 217,000 |
| El Dorado County California | 3 | $ 895,000 | $ 298,000 | $ 297,000 |
| Marin County California | 3 | $ 1,515,000 | $ 505,000 | $ 347,000 |
| Ventura County California | 3 | $ 715,000 | $ 238,000 | $ 205,000 |
| Brevard County Florida | 3 | $ 345,000 | $ 115,000 | $ 70,000 |
| Hillsborough County Florida | 3 | $ 885,000 | $ 295,000 | $ 211,000 |
| Lake County Florida | 3 | $ 515,000 | $ 171,000 | $ 99,000 |
| Pasco County Florida | 3 | $ 675,000 | $ 225,000 | $ 130,000 |
| Sarasota County Florida | 3 | $ 1,365,000 | $ 455,000 | $ 173,000 |
| Ada County Idaho | 3 | $ 1,065,000 | $ 355,000 | $ 193,000 |
| Will County Illinois | 3 | $ 705,000 | $ 235,000 | $ 238,000 |
| Johnson County Kansas | 3 | $ 665,000 | $ 221,000 | $ 137,000 |
| Wayne County Michigan | 3 | $ 865,000 | $ 288,000 | $ 301,000 |
| Mercer County New Jersey | 3 | $ 415,000 | $ 138,000 | $ 200,000 |
| Washington County Oregon | 3 | $ 615,000 | $ 205,000 | $ 157,000 |
| Allegheny County Pennsylvania | 3 | $ 705,000 | $ 235,000 | $ 377,000 |
| Chester County Pennsylvania | 3 | $ 1,925,000 | $ 641,000 | $ 299,000 |
| Monroe County Pennsylvania | 3 | $ 275,000 | $ 91,000 | $ 83,000 |
| York County Pennsylvania | 3 | $ 195,000 | $ 65,000 | $ 151,000 |
| Kent County Rhode Island | 3 | $ 675,000 | $ 225,000 | $ 296,000 |
| Providence County Rhode Island | 3 | $ 295,000 | $ 98,000 | $ 159,000 |
| Washington County Rhode Island | 3 | $ 905,000 | $ 301,000 | $ 300,000 |
| Greenville County South Carolina | 3 | $ 255,000 | $ 85,000 | $ 44,000 |
| Williamson County Tennessee | 3 | $ 875,000 | $ 291,000 | $ 205,000 |
| Prince William County Virginia | 3 | $ 625,000 | $ 208,000 | $ 253,000 |
| Clark County Washington | 3 | $ 1,245,000 | $ 415,000 | $ 225,000 |
| Spokane County Washington | 3 | $ 295,000 | $ 98,000 | $ 123,000 |
| Coffee County Alabama | 2 | $ 240,000 | $ 120,000 | $ 101,000 |
| Pima County Arizona | 2 | $ 380,000 | $ 190,000 | $ 244,000 |
| Yuma County Arizona | 2 | $ 940,000 | $ 470,000 | $ 671,000 |
| Fresno County California | 2 | $ 610,000 | $ 305,000 | $ 168,000 |
| Arapahoe County Colorado | 2 | $ 670,000 | $ 335,000 | $ 160,000 |
| Boulder County Colorado | 2 | $ 1,010,000 | $ 505,000 | $ 290,000 |
| Clear Creek County Colorado | 2 | $ 230,000 | $ 115,000 | $ 147,000 |
| Escambia County Florida | 2 | $ 290,000 | $ 145,000 | $ 138,000 |
| Osceola County Florida | 2 | $ 330,000 | $ 165,000 | $ 198,000 |
| Polk County Florida | 2 | $ 300,000 | $ 150,000 | $ 69,000 |
| Seminole County Florida | 2 | $ 450,000 | $ 225,000 | $ 166,000 |
| Marion County Indiana | 2 | $ 370,000 | $ 185,000 | $ 185,000 |
| Shelby County Indiana | 2 | $ 270,000 | $ 135,000 | $ 268,000 |
| Jefferson County Kentucky | 2 | $ 490,000 | $ 245,000 | $ 314,000 |
| Cumberland County Maine | 2 | $ 420,000 | $ 210,000 | $ 155,000 |
| Franklin County Massachusetts | 2 | $ 230,000 | $ 115,000 | $ 133,000 |
| Calhoun County Michigan | 2 | $ 110,000 | $ 55,000 | $ 40,000 |
| Oakland County Michigan | 2 | $ 480,000 | $ 240,000 | $ 112,000 |
| Carver County Minnesota | 2 | $ 930,000 | $ 465,000 | $ 295,000 |
| St. Louis City County Missouri | 2 | $ 80,000 | $ 40,000 | $ 55,000 |
| Carroll County New Hampshire | 2 | $ 560,000 | $ 280,000 | $ 229,000 |
| Strafford County New Hampshire | 2 | $ 290,000 | $ 145,000 | $ 143,000 |
| Warren County New Jersey | 2 | $ 280,000 | $ 140,000 | $ 168,000 |
| Albany County New York | 2 | $ 260,000 | $ 130,000 | $ 135,000 |
| Greene County New York | 2 | $ 480,000 | $ 240,000 | $ 166,000 |
| Chatham County North Carolina | 2 | $ 210,000 | $ 105,000 | $ 210,000 |
| Johnston County North Carolina | 2 | $ 400,000 | $ 200,000 | $ 199,000 |
| Cuyahoga County Ohio | 2 | $ 270,000 | $ 135,000 | $ 257,000 |
| Mahoning County Ohio | 2 | $ 630,000 | $ 315,000 | $ 166,000 |
| Oklahoma County Oklahoma | 2 | $ 290,000 | $ 145,000 | $ 120,000 |
| Multnomah County Oregon | 2 | $ 270,000 | $ 135,000 | $ 180,000 |
| Bucks County Pennsylvania | 2 | $ 630,000 | $ 315,000 | $ 269,000 |
| Bristol County Rhode Island | 2 | $ 320,000 | $ 160,000 | $ 178,000 |
| Beaufort County South Carolina | 2 | $ 1,130,000 | $ 565,000 | $ 587,000 |
| Charleston County South Carolina | 2 | $ 810,000 | $ 405,000 | $ 374,000 |
| Hamilton County Tennessee | 2 | $ 280,000 | $ 140,000 | $ 237,000 |
| Wilson County Tennessee | 2 | $ 310,000 | $ 155,000 | $ 233,000 |
| Chesterfield County Virginia | 2 | $ 290,000 | $ 145,000 | $ 91,000 |
| Snohomish County Washington | 2 | $ 360,000 | $ 180,000 | $ 211,000 |
| Waukesha County Wisconsin | 2 | $ 130,000 | $ 65,000 | $ 75,000 |
| Jefferson County Alabama | 1 | $ 135,000 | $ 135,000 | $ 273,000 |
| Madison County Alabama | 1 | $ 165,000 | $ 165,000 | $ 99,000 |
| Montgomery County Alabama | 1 | $ 145,000 | $ 145,000 | $ 54,000 |
| Shelby County Alabama | 1 | $ 85,000 | $ 85,000 | $ 243,000 |
| Calaveras County California | 1 | $ 275,000 | $ 275,000 | $ 161,000 |
| Kern County California | 1 | $ 75,000 | $ 75,000 | $ 100,000 |
| Nevada County California | 1 | $ 135,000 | $ 135,000 | $ 129,000 |
| San Joaquin County California | 1 | $ 185,000 | $ 185,000 | $ 160,000 |
| San Luis Obispo County California | 1 | $ 505,000 | $ 505,000 | $ 212,000 |
| San Mateo County California | 1 | $ 355,000 | $ 355,000 | $ 227,000 |
| Eagle County Colorado | 1 | $ 85,000 | $ 85,000 | $ 272,000 |
| El Paso County Colorado | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
| Elbert County Colorado | 1 | $ 115,000 | $ 115,000 | $ 143,000 |
| Jefferson County Colorado | 1 | $ 245,000 | $ 245,000 | $ 168,000 |
| Larimer County Colorado | 1 | $ 175,000 | $ 175,000 | $ 242,000 |
| Windham County Connecticut | 1 | $ 75,000 | $ 75,000 | $ 105,000 |
| New Castle County Delaware | 1 | $ 55,000 | $ 55,000 | $ 45,000 |
| Sussex County Delaware | 1 | $ 255,000 | $ 255,000 | $ 133,000 |
| Alachua County Florida | 1 | $ 475,000 | $ 475,000 | $ 218,000 |
| Bay County Florida | 1 | $ 895,000 | $ 895,000 | $ 397,000 |
| Duval County Florida | 1 | $ 265,000 | $ 265,000 | $ 140,000 |
| Indian River County Florida | 1 | $ 195,000 | $ 195,000 | $ 180,000 |
| Manatee County Florida | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Okaloosa County Florida | 1 | $ 125,000 | $ 125,000 | $ 97,000 |
| Santa Rosa County Florida | 1 | $ 175,000 | $ 175,000 | $ 152,000 |
| St. Johns County Florida | 1 | $ 795,000 | $ 795,000 | $ 468,000 |
| Barrow County Georgia | 1 | $ 25,000 | $ 25,000 | $ 28,000 |
| Bartow County Georgia | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| Carroll County Georgia | 1 | $ 375,000 | $ 375,000 | $ 261,000 |
| Clarke County Georgia | 1 | $ 185,000 | $ 185,000 | $ 133,000 |
| Gwinnett County Georgia | 1 | $ 115,000 | $ 115,000 | $ 209,000 |
| Hall County Georgia | 1 | $ 95,000 | $ 95,000 | $ 113,000 |
| Haralson County Georgia | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Paulding County Georgia | 1 | $ 105,000 | $ 105,000 | $ 6,000 |
| Pickens County Georgia | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| Walton County Georgia | 1 | $ 35,000 | $ 35,000 | $ 59,000 |
| Washington County Georgia | 1 | $ 45,000 | $ 45,000 | $ 54,000 |
| Honolulu County Hawaii | 1 | $ 205,000 | $ 205,000 | $ 82,000 |
| Maui County Hawaii | 1 | $ 345,000 | $ 345,000 | $ 365,000 |
| Bonner County Idaho | 1 | $ 165,000 | $ 165,000 | $ 124,000 |
| Bonneville County Idaho | 1 | $ 85,000 | $ 85,000 | $ 129,000 |
| Kane County Illinois | 1 | $ 235,000 | $ 235,000 | $ 364,000 |
| St. Clair County Illinois | 1 | $ 145,000 | $ 145,000 | $ 234,000 |
| LaPorte County Indiana | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
| Tippecanoe County Indiana | 1 | $ 45,000 | $ 45,000 | $ 80,000 |
| Pottawattamie County Iowa | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Reno County Kansas | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Shawnee County Kansas | 1 | $ 95,000 | $ 95,000 | $ 159,000 |
| Livingston County Louisiana | 1 | $ 365,000 | $ 365,000 | $ 149,000 |
| St. Tammany County Louisiana | 1 | $ 185,000 | $ 185,000 | $ 200,000 |
| Oxford County Maine | 1 | $ 255,000 | $ 255,000 | $ 15,000 |
| York County Maine | 1 | $ 205,000 | $ 205,000 | $ 153,000 |
| Baltimore City County Maryland | 1 | $ 105,000 | $ 105,000 | $ 188,000 |
| Cecil County Maryland | 1 | $ 65,000 | $ 65,000 | $ 94,000 |
| Frederick County Maryland | 1 | $ 505,000 | $ 505,000 | $ 177,000 |
| Howard County Maryland | 1 | $ 285,000 | $ 285,000 | $ 198,000 |
| Talbot County Maryland | 1 | $ 115,000 | $ 115,000 | $ 473,000 |
| Berkshire County Massachusetts | 1 | $ 275,000 | $ 275,000 | $ 280,000 |
| Nantucket County Massachusetts | 1 | $ 505,000 | $ 505,000 | $ 203,000 |
| Shiawassee County Michigan | 1 | $ 95,000 | $ 95,000 | $ 120,000 |
| Anoka County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 126,000 |
| Dakota County Minnesota | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Fillmore County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 123,000 |
| Freeborn County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 143,000 |
| Otter Tail County Minnesota | 1 | $ 245,000 | $ 245,000 | $ 177,000 |
| DeSoto County Mississippi | 1 | $ 95,000 | $ 95,000 | $ 179,000 |
| Jackson County Mississippi | 1 | $ 55,000 | $ 55,000 | $ 130,000 |
| Rankin County Mississippi | 1 | $ 245,000 | $ 245,000 | $ 283,000 |
| Boone County Missouri | 1 | $ 45,000 | $ 45,000 | $ 156,000 |
| Clay County Missouri | 1 | $ 55,000 | $ 55,000 | $ 72,000 |
| Douglas County Nebraska | 1 | $ 425,000 | $ 425,000 | $ 195,000 |
| Cheshire County New Hampshire | 1 | $ 105,000 | $ 105,000 | $ 226,000 |
| Merrimack County New Hampshire | 1 | $ 245,000 | $ 245,000 | $ 271,000 |
| Atlantic County New Jersey | 1 | $ 645,000 | $ 645,000 | $ 386,000 |
| Cape May County New Jersey | 1 | $ 955,000 | $ 955,000 | $ 482,000 |
| Cumberland County New Jersey | 1 | $ 265,000 | $ 265,000 | $ 71,000 |
| Gloucester County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 151,000 |
| Salem County New Jersey | 1 | $ 115,000 | $ 115,000 | $ 138,000 |
| Bernalillo County New Mexico | 1 | $ 25,000 | $ 25,000 | $ 130,000 |
| San Juan County New Mexico | 1 | $ 395,000 | $ 395,000 | $ 180,000 |
| Delaware County New York | 1 | $ 125,000 | $ 125,000 | $ 37,000 |
| Erie County New York | 1 | $ 225,000 | $ 225,000 | $ 183,000 |
| Montgomery County New York | 1 | $ 65,000 | $ 65,000 | $ 230,000 |
| Onondaga County New York | 1 | $ 185,000 | $ 185,000 | $ 147,000 |
| Avery County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 692,000 |
| Brunswick County North Carolina | 1 | $ 575,000 | $ 575,000 | $ 156,000 |
| Buncombe County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 111,000 |
| Cabarrus County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 135,000 |
| Carteret County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Cleveland County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 49,000 |
| Craven County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 104,000 |
| Currituck County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 398,000 |
| Dare County North Carolina | 1 | $ 1,125,000 | $ 1,125,000 | $ 464,000 |
| Forsyth County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 37,000 |
| Guilford County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 149,000 |
| New Hanover County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Onslow County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 145,000 |
| Orange County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 314,000 |
| Pender County North Carolina | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Brown County Ohio | 1 | $ 95,000 | $ 95,000 | $ 123,000 |
| Clinton County Ohio | 1 | $ 115,000 | $ 115,000 | $ 179,000 |
| Fulton County Ohio | 1 | $ 25,000 | $ 25,000 | $ 65,000 |
| Geauga County Ohio | 1 | $ 75,000 | $ 75,000 | $ 249,000 |
| Guernsey County Ohio | 1 | $ 115,000 | $ 115,000 | $ 112,000 |
| Hamilton County Ohio | 1 | $ 275,000 | $ 275,000 | $ 213,000 |
| Lake County Ohio | 1 | $ 105,000 | $ 105,000 | $ 167,000 |
| Lucas County Ohio | 1 | $ 65,000 | $ 65,000 | $ 149,000 |
| Medina County Ohio | 1 | $ 245,000 | $ 245,000 | $ 175,000 |
| Summit County Ohio | 1 | $ 75,000 | $ 75,000 | $ 114,000 |
| Cleveland County Oklahoma | 1 | $ 175,000 | $ 175,000 | $ 119,000 |
| Tulsa County Oklahoma | 1 | $ 185,000 | $ 185,000 | $ 52,000 |
| Clackamas County Oregon | 1 | $ 245,000 | $ 245,000 | $ 153,000 |
| Erie County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 135,000 |
| Luzerne County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 163,000 |
| Mercer County Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 110,000 |
| Wayne County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 136,000 |
| Horry County South Carolina | 1 | $ 35,000 | $ 35,000 | $ 27,000 |
| Richland County South Carolina | 1 | $ 55,000 | $ 55,000 | $ 108,000 |
| York County South Carolina | 1 | $ 335,000 | $ 335,000 | $ 240,000 |
| Lincoln County South Dakota | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Blount County Tennessee | 1 | $ 285,000 | $ 285,000 | $ 234,000 |
| Bradley County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 81,000 |
| Davidson County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 202,000 |
| Putnam County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 231,000 |
| Sevier County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 140,000 |
| Dallas County Texas | 1 | $ 65,000 | $ 65,000 | $ 600,000 |
| Davis County Utah | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Salt Lake County Utah | 1 | $ 505,000 | $ 505,000 | $ 750,000 |
| Summit County Utah | 1 | $ 505,000 | $ 505,000 | $ 573,000 |
| Caledonia County Vermont | 1 | $ 45,000 | $ 45,000 | $ 172,000 |
| Chittenden County Vermont | 1 | $ 165,000 | $ 165,000 | $ 142,000 |
| Rutland County Vermont | 1 | $ 105,000 | $ 105,000 | $ 186,000 |
| Arlington County Virginia | 1 | $ 505,000 | $ 505,000 | $ 330,000 |
| Charles City County Virginia | 1 | $ 125,000 | $ 125,000 | $ 320,000 |
| Fairfax City County Virginia | 1 | $ 165,000 | $ 165,000 | $ 156,000 |
| Falls Church County Virginia | 1 | $ 425,000 | $ 425,000 | $ 433,000 |
| Fauquier County Virginia | 1 | $ 245,000 | $ 245,000 | $ 327,000 |
| Frederick County Virginia | 1 | $ 75,000 | $ 75,000 | $ 148,000 |
| Henrico County Virginia | 1 | $ 215,000 | $ 215,000 | $ 178,000 |
| Loudoun County Virginia | 1 | $ 215,000 | $ 215,000 | $ 221,000 |
| Manassas County Virginia | 1 | $ 375,000 | $ 375,000 | $ 400,000 |
| New Kent County Virginia | 1 | $ 95,000 | $ 95,000 | $ 88,000 |
| Portsmouth County Virginia | 1 | $ 55,000 | $ 55,000 | $ 78,000 |
| Rappahannock County Virginia | 1 | $ 245,000 | $ 245,000 | $ 472,000 |
| Richmond City County Virginia | 1 | $ 495,000 | $ 495,000 | $ 559,000 |
| Kitsap County Washington | 1 | $ 355,000 | $ 355,000 | $ 200,000 |
| Thurston County Washington | 1 | $ 345,000 | $ 345,000 | $ 204,000 |
| Whatcom County Washington | 1 | $ 75,000 | $ 75,000 | $ 110,000 |
| Yakima County Washington | 1 | $ 235,000 | $ 235,000 | $ 205,000 |
| Jefferson County West Virginia | 1 | $ 225,000 | $ 225,000 | $ 148,000 |
| Tucker County West Virginia | 1 | $ 125,000 | $ 125,000 | $ 44,000 |
| Upshur County West Virginia | 1 | $ 155,000 | $ 155,000 | $ 101,000 |
| Walworth County Wisconsin | 1 | $ 85,000 | $ 85,000 | $ 160,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2022
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 | 656 | $447,090,000 | $681,000 | $2,105,000 | $349,000 | $2,112,000 |
| Home Improvement | 639 | $155,885,000 | $243,000 | $2,005,000 | $245,000 | $1,451,000 |
| Cash-out Refinancing | 558 | $137,860,000 | $247,000 | $1,955,000 | $274,000 | $6,912,000 |
| Other Purpose | 124 | $20,240,000 | $163,000 | $505,000 | $175,000 | $639,000 |
| Refinancing | 118 | $72,390,000 | $613,000 | $1,975,000 | $286,000 | $1,332,000 |
| 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 | 1,142 | $443,350,000 | $388,000 | $2,105,000 | $296,000 | $6,912,000 |
| Not Provided | 437 | $171,025,000 | $391,000 | $2,005,000 | $277,000 | $1,736,000 |
| Asian | 175 | $98,015,000 | $560,000 | $1,895,000 | $279,000 | $950,000 |
| Hispanic | 155 | $61,495,000 | $396,000 | $1,855,000 | $283,000 | $2,112,000 |
| Black or African American | 128 | $36,110,000 | $282,000 | $1,895,000 | $189,000 | $970,000 |
| American Indian or Alaskan Native | 9 | $2,465,000 | $273,000 | $1,245,000 | $156,000 | $221,000 |
| 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) | 2,095 | $833,465,000 | $397,000 | $2,105,000 | $283,000 | $6,912,000 |
| 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 | 1,353 | $584,415,000 | $431,000 | $2,105,000 | $286,000 | $2,372,000 |
| Application Withdrawn By Applicant | 400 | $161,370,000 | $403,000 | $2,005,000 | $325,000 | $6,912,000 |
| Application Denied By Financial Institution | 251 | $60,475,000 | $240,000 | $1,725,000 | $205,000 | $5,400,000 |
| File Closed For Incompleteness | 84 | $24,380,000 | $290,000 | $1,595,000 | $278,000 | $5,976,000 |
| Application Approved But Not Accepted | 7 | $2,825,000 | $403,000 | $795,000 | $282,000 | $468,000 |
| 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 | 1,844 | $772,990,000 | $419,000 | $2,105,000 | $294,000 | $6,912,000 |
| Debt-To-Income Ratio | 132 | $30,600,000 | $231,000 | $1,725,000 | $126,000 | $569,000 |
| Credit History | 54 | $10,040,000 | $185,000 | $1,725,000 | $358,000 | $5,400,000 |
| Collateral | 41 | $11,325,000 | $276,000 | $1,165,000 | $201,000 | $432,000 |
| Other | 16 | $4,410,000 | $275,000 | $755,000 | $326,000 | $617,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $3,100,000 | $775,000 | $1,555,000 | $327,000 | $482,000 |
| Unverifiable Information | 2 | $240,000 | $120,000 | $135,000 | $146,000 | $292,000 |
| Credit Application Incomplete | 2 | $760,000 | $380,000 | $655,000 | $221,000 | $323,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Usalliance Federal Credit Union's 2022 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.