Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Usalliance Federal Credit Union 2023 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 | 1,633 |
| Total Mortgage Loan Application Amount | $503,405,000 |
| Average Mortgage Loan Application Amount | $355,000 |
| Highest Mortgage Loan Application Amount | $3,005,000 |
| Average Applicant Income | $263,400 |
| Highest Applicant Income | $6,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 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 2023 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 2023.
| 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 | 61 | $ 18,785,000 | $ 307,000 | $ 378,000 |
| Fairfield County Connecticut | 55 | $ 21,995,000 | $ 399,000 | $ 307,000 |
| Cook County Illinois | 54 | $ 23,320,000 | $ 431,000 | $ 388,000 |
| Los Angeles County California | 53 | $ 14,495,000 | $ 273,000 | $ 307,000 |
| Essex County New Jersey | 45 | $ 17,625,000 | $ 391,000 | $ 284,000 |
| Middlesex County Massachusetts | 43 | $ 23,015,000 | $ 535,000 | $ 301,000 |
| Kings County New York | 43 | $ 25,175,000 | $ 585,000 | $ 321,000 |
| San Diego County California | 40 | $ 11,790,000 | $ 294,000 | $ 246,000 |
| Monmouth County New Jersey | 29 | $ 14,595,000 | $ 503,000 | $ 304,000 |
| Nassau County New York | 29 | $ 11,365,000 | $ 391,000 | $ 310,000 |
| Bergen County New Jersey | 27 | $ 8,955,000 | $ 331,000 | $ 260,000 |
| Suffolk County New York | 27 | $ 8,925,000 | $ 330,000 | $ 395,000 |
| Maricopa County Arizona | 26 | $ 14,990,000 | $ 576,000 | $ 364,000 |
| Rockland County New York | 26 | $ 7,520,000 | $ 289,000 | $ 209,000 |
| Essex County Massachusetts | 21 | $ 6,825,000 | $ 325,000 | $ 343,000 |
| Norfolk County Massachusetts | 20 | $ 9,030,000 | $ 451,000 | $ 265,000 |
| Morris County New Jersey | 20 | $ 5,720,000 | $ 286,000 | $ 249,000 |
| Suffolk County Massachusetts | 19 | $ 9,025,000 | $ 475,000 | $ 333,000 |
| Broward County Florida | 18 | $ 7,870,000 | $ 437,000 | $ 486,000 |
| Palm Beach County Florida | 18 | $ 6,060,000 | $ 336,000 | $ 291,000 |
| Ocean County New Jersey | 17 | $ 5,355,000 | $ 315,000 | $ 297,000 |
| New Haven County Connecticut | 16 | $ 1,860,000 | $ 116,000 | $ 162,000 |
| Union County New Jersey | 16 | $ 4,830,000 | $ 301,000 | $ 280,000 |
| King County Washington | 16 | $ 5,130,000 | $ 320,000 | $ 252,000 |
| Montgomery County Pennsylvania | 15 | $ 4,895,000 | $ 326,000 | $ 268,000 |
| Orange County Florida | 14 | $ 4,210,000 | $ 300,000 | $ 265,000 |
| Mecklenburg County North Carolina | 14 | $ 2,820,000 | $ 201,000 | $ 175,000 |
| Alameda County California | 13 | $ 4,625,000 | $ 355,000 | $ 361,000 |
| Fulton County Georgia | 13 | $ 2,665,000 | $ 205,000 | $ 207,000 |
| Hudson County New Jersey | 13 | $ 3,885,000 | $ 298,000 | $ 293,000 |
| DeKalb County Georgia | 12 | $ 4,330,000 | $ 360,000 | $ 330,000 |
| Plymouth County Massachusetts | 12 | $ 2,680,000 | $ 223,000 | $ 224,000 |
| Sacramento County California | 11 | $ 1,955,000 | $ 177,000 | $ 168,000 |
| District of Columbia County District Of Columbia | 11 | $ 3,555,000 | $ 323,000 | $ 262,000 |
| Passaic County New Jersey | 11 | $ 2,625,000 | $ 238,000 | $ 147,000 |
| Riverside County California | 10 | $ 2,360,000 | $ 236,000 | $ 220,000 |
| Miami-Dade County Florida | 10 | $ 4,810,000 | $ 481,000 | $ 295,000 |
| DuPage County Illinois | 10 | $ 3,780,000 | $ 378,000 | $ 296,000 |
| Queens County New York | 10 | $ 3,890,000 | $ 389,000 | $ 313,000 |
| Franklin County Ohio | 10 | $ 2,650,000 | $ 265,000 | $ 237,000 |
| Montgomery County Maryland | 9 | $ 2,445,000 | $ 271,000 | $ 274,000 |
| Mercer County New Jersey | 9 | $ 2,455,000 | $ 272,000 | $ 232,000 |
| Sussex County New Jersey | 9 | $ 965,000 | $ 107,000 | $ 136,000 |
| New York County New York | 9 | $ 7,815,000 | $ 868,000 | $ 431,000 |
| San Bernardino County California | 8 | $ 1,470,000 | $ 183,000 | $ 166,000 |
| Hartford County Connecticut | 8 | $ 3,120,000 | $ 390,000 | $ 270,000 |
| Anne Arundel County Maryland | 8 | $ 2,340,000 | $ 292,000 | $ 239,000 |
| Baltimore County Maryland | 8 | $ 2,440,000 | $ 305,000 | $ 321,000 |
| Barnstable County Massachusetts | 8 | $ 5,330,000 | $ 666,000 | $ 743,000 |
| Fairfax County Virginia | 8 | $ 1,670,000 | $ 208,000 | $ 258,000 |
| Orange County California | 7 | $ 1,625,000 | $ 232,000 | $ 278,000 |
| New London County Connecticut | 7 | $ 2,705,000 | $ 386,000 | $ 269,000 |
| Collier County Florida | 7 | $ 4,275,000 | $ 610,000 | $ 304,000 |
| Hillsborough County Florida | 7 | $ 1,635,000 | $ 233,000 | $ 223,000 |
| Cobb County Georgia | 7 | $ 765,000 | $ 109,000 | $ 136,000 |
| Gwinnett County Georgia | 7 | $ 1,105,000 | $ 157,000 | $ 250,000 |
| Hennepin County Minnesota | 7 | $ 1,085,000 | $ 155,000 | $ 283,000 |
| Middlesex County New Jersey | 7 | $ 1,205,000 | $ 172,000 | $ 172,000 |
| Bronx County New York | 7 | $ 1,785,000 | $ 255,000 | $ 200,000 |
| Dutchess County New York | 7 | $ 2,155,000 | $ 307,000 | $ 224,000 |
| Ulster County New York | 7 | $ 835,000 | $ 119,000 | $ 162,000 |
| Wake County North Carolina | 7 | $ 1,465,000 | $ 209,000 | $ 266,000 |
| Chester County Pennsylvania | 7 | $ 2,615,000 | $ 373,000 | $ 319,000 |
| Santa Clara County California | 6 | $ 1,650,000 | $ 275,000 | $ 291,000 |
| Pinellas County Florida | 6 | $ 670,000 | $ 111,000 | $ 170,000 |
| Burlington County New Jersey | 6 | $ 710,000 | $ 118,000 | $ 139,000 |
| Orange County New York | 6 | $ 880,000 | $ 146,000 | $ 121,000 |
| Contra Costa County California | 5 | $ 1,175,000 | $ 235,000 | $ 288,000 |
| Marin County California | 5 | $ 1,735,000 | $ 347,000 | $ 335,000 |
| San Mateo County California | 5 | $ 1,705,000 | $ 341,000 | $ 361,000 |
| Shasta County California | 5 | $ 1,325,000 | $ 265,000 | $ 432,000 |
| Sarasota County Florida | 5 | $ 2,435,000 | $ 487,000 | $ 333,000 |
| St. Johns County Florida | 5 | $ 2,015,000 | $ 403,000 | $ 398,000 |
| Lake County Illinois | 5 | $ 2,045,000 | $ 409,000 | $ 323,000 |
| Marion County Indiana | 5 | $ 755,000 | $ 151,000 | $ 205,000 |
| Howard County Maryland | 5 | $ 1,305,000 | $ 261,000 | $ 253,000 |
| Worcester County Massachusetts | 5 | $ 1,095,000 | $ 219,000 | $ 257,000 |
| Hillsborough County New Hampshire | 5 | $ 1,745,000 | $ 349,000 | $ 251,000 |
| Rockingham County New Hampshire | 5 | $ 815,000 | $ 163,000 | $ 191,000 |
| Putnam County New York | 5 | $ 965,000 | $ 193,000 | $ 142,000 |
| Richmond County New York | 5 | $ 1,485,000 | $ 297,000 | $ 182,000 |
| Cuyahoga County Ohio | 5 | $ 895,000 | $ 179,000 | $ 185,000 |
| Bucks County Pennsylvania | 5 | $ 1,145,000 | $ 229,000 | $ 253,000 |
| Philadelphia County Pennsylvania | 5 | $ 1,225,000 | $ 245,000 | $ 241,000 |
| Beaufort County South Carolina | 5 | $ 3,855,000 | $ 771,000 | $ 441,000 |
| Placer County California | 4 | $ 1,820,000 | $ 455,000 | $ 243,000 |
| San Francisco County California | 4 | $ 1,000,000 | $ 250,000 | $ 324,000 |
| Ventura County California | 4 | $ 880,000 | $ 220,000 | $ 298,000 |
| Frederick County Maryland | 4 | $ 650,000 | $ 162,000 | $ 159,000 |
| Prince George's County Maryland | 4 | $ 520,000 | $ 130,000 | $ 133,000 |
| Bristol County Massachusetts | 4 | $ 480,000 | $ 120,000 | $ 146,000 |
| Oakland County Michigan | 4 | $ 960,000 | $ 240,000 | $ 296,000 |
| Ramsey County Minnesota | 4 | $ 940,000 | $ 235,000 | $ 310,000 |
| Camden County New Jersey | 4 | $ 770,000 | $ 192,000 | $ 209,000 |
| Somerset County New Jersey | 4 | $ 820,000 | $ 205,000 | $ 250,000 |
| Multnomah County Oregon | 4 | $ 1,220,000 | $ 305,000 | $ 322,000 |
| Allegheny County Pennsylvania | 4 | $ 620,000 | $ 155,000 | $ 201,000 |
| Providence County Rhode Island | 4 | $ 470,000 | $ 117,000 | $ 164,000 |
| Jefferson County Alabama | 3 | $ 585,000 | $ 195,000 | $ 289,000 |
| Adams County Colorado | 3 | $ 225,000 | $ 75,000 | $ 143,000 |
| Denver County Colorado | 3 | $ 355,000 | $ 118,000 | $ 209,000 |
| Jefferson County Colorado | 3 | $ 835,000 | $ 278,000 | $ 142,000 |
| New Castle County Delaware | 3 | $ 225,000 | $ 75,000 | $ 235,000 |
| Duval County Florida | 3 | $ 845,000 | $ 281,000 | $ 251,000 |
| Manatee County Florida | 3 | $ 1,625,000 | $ 541,000 | $ 297,000 |
| Polk County Florida | 3 | $ 275,000 | $ 91,000 | $ 135,000 |
| St. Lucie County Florida | 3 | $ 245,000 | $ 81,000 | $ 88,000 |
| Walton County Florida | 3 | $ 1,605,000 | $ 535,000 | $ 373,000 |
| Orleans County Louisiana | 3 | $ 275,000 | $ 91,000 | $ 329,000 |
| Baltimore City County Maryland | 3 | $ 325,000 | $ 108,000 | $ 152,000 |
| Carroll County Maryland | 3 | $ 355,000 | $ 118,000 | $ 275,000 |
| Clark County Nevada | 3 | $ 565,000 | $ 188,000 | $ 135,000 |
| Atlantic County New Jersey | 3 | $ 865,000 | $ 288,000 | $ 231,000 |
| Cape May County New Jersey | 3 | $ 1,475,000 | $ 491,000 | $ 382,000 |
| Buncombe County North Carolina | 3 | $ 815,000 | $ 271,000 | $ 251,000 |
| Guilford County North Carolina | 3 | $ 505,000 | $ 168,000 | $ 151,000 |
| Delaware County Pennsylvania | 3 | $ 685,000 | $ 228,000 | $ 353,000 |
| Monroe County Pennsylvania | 3 | $ 345,000 | $ 115,000 | $ 135,000 |
| Davidson County Tennessee | 3 | $ 765,000 | $ 255,000 | $ 269,000 |
| Henrico County Virginia | 3 | $ 735,000 | $ 245,000 | $ 302,000 |
| Loudoun County Virginia | 3 | $ 525,000 | $ 175,000 | $ 327,000 |
| Kitsap County Washington | 3 | $ 1,055,000 | $ 351,000 | $ 263,000 |
| Pierce County Washington | 3 | $ 425,000 | $ 141,000 | $ 168,000 |
| Snohomish County Washington | 3 | $ 785,000 | $ 261,000 | $ 348,000 |
| Madison County Alabama | 2 | $ 100,000 | $ 50,000 | $ 151,000 |
| Pima County Arizona | 2 | $ 140,000 | $ 70,000 | $ 99,000 |
| Benton County Arkansas | 2 | $ 240,000 | $ 120,000 | $ 393,000 |
| Calaveras County California | 2 | $ 120,000 | $ 60,000 | $ 117,000 |
| El Dorado County California | 2 | $ 460,000 | $ 230,000 | $ 289,000 |
| San Joaquin County California | 2 | $ 550,000 | $ 275,000 | $ 196,000 |
| Solano County California | 2 | $ 350,000 | $ 175,000 | $ 229,000 |
| Sonoma County California | 2 | $ 830,000 | $ 415,000 | $ 408,000 |
| Tuolumne County California | 2 | $ 330,000 | $ 165,000 | $ 204,000 |
| El Paso County Colorado | 2 | $ 550,000 | $ 275,000 | $ 425,000 |
| Routt County Colorado | 2 | $ 450,000 | $ 225,000 | $ 218,000 |
| Litchfield County Connecticut | 2 | $ 1,420,000 | $ 710,000 | $ 407,000 |
| Kent County Delaware | 2 | $ 110,000 | $ 55,000 | $ 87,000 |
| Sussex County Delaware | 2 | $ 150,000 | $ 75,000 | $ 88,000 |
| Charlotte County Florida | 2 | $ 610,000 | $ 305,000 | $ 127,000 |
| Lake County Florida | 2 | $ 190,000 | $ 95,000 | $ 134,000 |
| Seminole County Florida | 2 | $ 500,000 | $ 250,000 | $ 205,000 |
| Chatham County Georgia | 2 | $ 690,000 | $ 345,000 | $ 308,000 |
| Clarke County Georgia | 2 | $ 460,000 | $ 230,000 | $ 233,000 |
| Clayton County Georgia | 2 | $ 280,000 | $ 140,000 | $ 103,000 |
| Henry County Georgia | 2 | $ 250,000 | $ 125,000 | $ 68,000 |
| Will County Illinois | 2 | $ 500,000 | $ 250,000 | $ 236,000 |
| Allen County Indiana | 2 | $ 150,000 | $ 75,000 | $ 197,000 |
| Johnson County Kansas | 2 | $ 400,000 | $ 200,000 | $ 144,000 |
| Sedgwick County Kansas | 2 | $ 330,000 | $ 165,000 | $ 113,000 |
| Oxford County Maine | 2 | $ 610,000 | $ 305,000 | $ 453,000 |
| Washington County Minnesota | 2 | $ 440,000 | $ 220,000 | $ 234,000 |
| Wright County Minnesota | 2 | $ 220,000 | $ 110,000 | $ 177,000 |
| Gallatin County Montana | 2 | $ 380,000 | $ 190,000 | $ 289,000 |
| Douglas County Nebraska | 2 | $ 430,000 | $ 215,000 | $ 232,000 |
| Merrimack County New Hampshire | 2 | $ 310,000 | $ 155,000 | $ 185,000 |
| Strafford County New Hampshire | 2 | $ 240,000 | $ 120,000 | $ 190,000 |
| Gloucester County New Jersey | 2 | $ 410,000 | $ 205,000 | $ 266,000 |
| Erie County New York | 2 | $ 510,000 | $ 255,000 | $ 349,000 |
| Sullivan County New York | 2 | $ 100,000 | $ 50,000 | $ 112,000 |
| Orange County North Carolina | 2 | $ 460,000 | $ 230,000 | $ 171,000 |
| Auglaize County Ohio | 2 | $ 440,000 | $ 220,000 | $ 350,000 |
| Clark County Ohio | 2 | $ 330,000 | $ 165,000 | $ 142,000 |
| Montgomery County Ohio | 2 | $ 210,000 | $ 105,000 | $ 122,000 |
| Logan County Oklahoma | 2 | $ 190,000 | $ 95,000 | $ 142,000 |
| Oklahoma County Oklahoma | 2 | $ 300,000 | $ 150,000 | $ 235,000 |
| Tulsa County Oklahoma | 2 | $ 160,000 | $ 80,000 | $ 121,000 |
| Washington County Oregon | 2 | $ 510,000 | $ 255,000 | $ 175,000 |
| Washington County Rhode Island | 2 | $ 480,000 | $ 240,000 | $ 191,000 |
| Anderson County South Carolina | 2 | $ 160,000 | $ 80,000 | $ 135,000 |
| Charleston County South Carolina | 2 | $ 1,250,000 | $ 625,000 | $ 326,000 |
| Lexington County South Carolina | 2 | $ 130,000 | $ 65,000 | $ 95,000 |
| Hamilton County Tennessee | 2 | $ 210,000 | $ 105,000 | $ 145,000 |
| Shelby County Tennessee | 2 | $ 170,000 | $ 85,000 | $ 113,000 |
| Williamson County Tennessee | 2 | $ 680,000 | $ 340,000 | $ 307,000 |
| Salt Lake County Utah | 2 | $ 170,000 | $ 85,000 | $ 102,000 |
| Bennington County Vermont | 2 | $ 140,000 | $ 70,000 | $ 549,000 |
| Waukesha County Wisconsin | 2 | $ 490,000 | $ 245,000 | $ 288,000 |
| Baldwin County Alabama | 1 | $ 305,000 | $ 305,000 | $ 165,000 |
| Lee County Alabama | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| Morgan County Alabama | 1 | $ 115,000 | $ 115,000 | $ 184,000 |
| Pike County Alabama | 1 | $ 125,000 | $ 125,000 | $ 63,000 |
| Tallapoosa County Alabama | 1 | $ 505,000 | $ 505,000 | $ 450,000 |
| Butte County California | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| Fresno County California | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Kern County California | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| Kings County California | 1 | $ 325,000 | $ 325,000 | $ 320,000 |
| Napa County California | 1 | $ 305,000 | $ 305,000 | $ 443,000 |
| San Benito County California | 1 | $ 115,000 | $ 115,000 | $ 219,000 |
| Santa Barbara County California | 1 | $ 195,000 | $ 195,000 | $ 153,000 |
| Santa Cruz County California | 1 | $ 505,000 | $ 505,000 | $ 304,000 |
| Tulare County California | 1 | $ 155,000 | $ 155,000 | $ 287,000 |
| Yolo County California | 1 | $ 105,000 | $ 105,000 | $ 181,000 |
| Arapahoe County Colorado | 1 | $ 95,000 | $ 95,000 | $ 206,000 |
| Douglas County Colorado | 1 | $ 195,000 | $ 195,000 | $ 141,000 |
| Elbert County Colorado | 1 | $ 305,000 | $ 305,000 | $ 456,000 |
| La Plata County Colorado | 1 | $ 445,000 | $ 445,000 | $ 205,000 |
| Las Animas County Colorado | 1 | $ 95,000 | $ 95,000 | $ 70,000 |
| Tolland County Connecticut | 1 | $ 205,000 | $ 205,000 | $ 89,000 |
| Alachua County Florida | 1 | $ 55,000 | $ 55,000 | $ 74,000 |
| Citrus County Florida | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| Clay County Florida | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Indian River County Florida | 1 | $ 285,000 | $ 285,000 | $ 195,000 |
| Lee County Florida | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| Pasco County Florida | 1 | $ 75,000 | $ 75,000 | $ 152,000 |
| Bartow County Georgia | 1 | $ 185,000 | $ 185,000 | $ 268,000 |
| Berrien County Georgia | 1 | $ 45,000 | $ 45,000 | $ 56,000 |
| Bibb County Georgia | 1 | $ 125,000 | $ 125,000 | $ 24,000 |
| Bleckley County Georgia | 1 | $ 65,000 | $ 65,000 | $ 38,000 |
| Cherokee County Georgia | 1 | $ 185,000 | $ 185,000 | $ 178,000 |
| Dawson County Georgia | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Gilmer County Georgia | 1 | $ 95,000 | $ 95,000 | $ 150,000 |
| Houston County Georgia | 1 | $ 115,000 | $ 115,000 | $ 124,000 |
| Liberty County Georgia | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| Meriwether County Georgia | 1 | $ 105,000 | $ 105,000 | $ 203,000 |
| Muscogee County Georgia | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| Newton County Georgia | 1 | $ 65,000 | $ 65,000 | $ 87,000 |
| Wayne County Georgia | 1 | $ 55,000 | $ 55,000 | $ 30,000 |
| Bonneville County Idaho | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| Valley County Idaho | 1 | $ 485,000 | $ 485,000 | $ 280,000 |
| Carroll County Illinois | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Kane County Illinois | 1 | $ 165,000 | $ 165,000 | $ 191,000 |
| Tazewell County Illinois | 1 | $ 45,000 | $ 45,000 | $ 121,000 |
| Winnebago County Illinois | 1 | $ 95,000 | $ 95,000 | $ 111,000 |
| Hamilton County Indiana | 1 | $ 185,000 | $ 185,000 | $ 281,000 |
| Hendricks County Indiana | 1 | $ 195,000 | $ 195,000 | $ 117,000 |
| Tippecanoe County Indiana | 1 | $ 115,000 | $ 115,000 | $ 149,000 |
| Linn County Iowa | 1 | $ 65,000 | $ 65,000 | $ 117,000 |
| Polk County Iowa | 1 | $ 185,000 | $ 185,000 | $ 177,000 |
| Fayette County Kentucky | 1 | $ 85,000 | $ 85,000 | $ 280,000 |
| Jefferson County Kentucky | 1 | $ 245,000 | $ 245,000 | $ 981,000 |
| Madison County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 116,000 |
| Pulaski County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 143,000 |
| Shelby County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 454,000 |
| East Baton Rouge County Louisiana | 1 | $ 385,000 | $ 385,000 | $ 514,000 |
| Jefferson County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 127,000 |
| Lincoln County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 108,000 |
| Livingston County Louisiana | 1 | $ 95,000 | $ 95,000 | $ 139,000 |
| St. John the Baptist County Louisiana | 1 | $ 35,000 | $ 35,000 | $ 106,000 |
| Tangipahoa County Louisiana | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| Penobscot County Maine | 1 | $ 85,000 | $ 85,000 | $ 127,000 |
| Sagadahoc County Maine | 1 | $ 215,000 | $ 215,000 | $ 183,000 |
| York County Maine | 1 | $ 195,000 | $ 195,000 | $ 185,000 |
| Harford County Maryland | 1 | $ 55,000 | $ 55,000 | $ 255,000 |
| St. Mary's County Maryland | 1 | $ 95,000 | $ 95,000 | $ 136,000 |
| Berkshire County Massachusetts | 1 | $ 165,000 | $ 165,000 | $ 189,000 |
| Franklin County Massachusetts | 1 | $ 125,000 | $ 125,000 | $ 95,000 |
| Hampden County Massachusetts | 1 | $ 95,000 | $ 95,000 | $ 86,000 |
| Antrim County Michigan | 1 | $ 255,000 | $ 255,000 | $ 450,000 |
| Benzie County Michigan | 1 | $ 305,000 | $ 305,000 | $ 255,000 |
| Calhoun County Michigan | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Clare County Michigan | 1 | $ 65,000 | $ 65,000 | $ 68,000 |
| Mackinac County Michigan | 1 | $ 135,000 | $ 135,000 | $ 119,000 |
| Macomb County Michigan | 1 | $ 95,000 | $ 95,000 | $ 160,000 |
| St. Clair County Michigan | 1 | $ 105,000 | $ 105,000 | $ 108,000 |
| Anoka County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 129,000 |
| Carver County Minnesota | 1 | $ 395,000 | $ 395,000 | $ 277,000 |
| Dakota County Minnesota | 1 | $ 505,000 | $ 505,000 | $ 394,000 |
| Scott County Minnesota | 1 | $ 335,000 | $ 335,000 | $ 141,000 |
| Sherburne County Minnesota | 1 | $ 215,000 | $ 215,000 | $ 163,000 |
| Cass County Missouri | 1 | $ 75,000 | $ 75,000 | $ 144,000 |
| Gentry County Missouri | 1 | $ 75,000 | $ 75,000 | $ 78,000 |
| Greene County Missouri | 1 | $ 255,000 | $ 255,000 | $ 133,000 |
| Jackson County Missouri | 1 | $ 405,000 | $ 405,000 | $ 324,000 |
| Jasper County Missouri | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Flathead County Montana | 1 | $ 455,000 | $ 455,000 | $ 1,325,000 |
| Sullivan County New Hampshire | 1 | $ 215,000 | $ 215,000 | $ 399,000 |
| Hunterdon County New Jersey | 1 | $ 215,000 | $ 215,000 | $ 174,000 |
| Warren County New Jersey | 1 | $ 105,000 | $ 105,000 | $ 168,000 |
| San Miguel County New Mexico | 1 | $ 195,000 | $ 195,000 | $ 99,000 |
| Essex County New York | 1 | $ 95,000 | $ 95,000 | $ 128,000 |
| Monroe County New York | 1 | $ 65,000 | $ 65,000 | $ 95,000 |
| Onondaga County New York | 1 | $ 85,000 | $ 85,000 | $ 200,000 |
| Saratoga County New York | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| Alamance County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 232,000 |
| Brunswick County North Carolina | 1 | $ 255,000 | $ 255,000 | $ 88,000 |
| Caldwell County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 164,000 |
| Cherokee County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 47,000 |
| Forsyth County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 124,000 |
| Johnston County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 104,000 |
| Lincoln County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 72,000 |
| Moore County North Carolina | 1 | $ 115,000 | $ 115,000 | $ 180,000 |
| Onslow County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 162,000 |
| Pender County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 200,000 |
| Pitt County North Carolina | 1 | $ 245,000 | $ 245,000 | $ 264,000 |
| Robeson County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 354,000 |
| Transylvania County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 220,000 |
| Union County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 171,000 |
| Butler County Ohio | 1 | $ 105,000 | $ 105,000 | $ 210,000 |
| Clermont County Ohio | 1 | $ 325,000 | $ 325,000 | $ 266,000 |
| Delaware County Ohio | 1 | $ 145,000 | $ 145,000 | $ 253,000 |
| Hamilton County Ohio | 1 | $ 195,000 | $ 195,000 | $ 176,000 |
| Lake County Ohio | 1 | $ 125,000 | $ 125,000 | $ 240,000 |
| Licking County Ohio | 1 | $ 265,000 | $ 265,000 | $ 227,000 |
| Lorain County Ohio | 1 | $ 295,000 | $ 295,000 | $ 211,000 |
| Lucas County Ohio | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Miami County Ohio | 1 | $ 95,000 | $ 95,000 | $ 113,000 |
| Summit County Ohio | 1 | $ 275,000 | $ 275,000 | $ 509,000 |
| Wood County Ohio | 1 | $ 225,000 | $ 225,000 | $ 86,000 |
| Garvin County Oklahoma | 1 | $ 55,000 | $ 55,000 | $ 90,000 |
| Pontotoc County Oklahoma | 1 | $ 95,000 | $ 95,000 | $ 212,000 |
| Clackamas County Oregon | 1 | $ 115,000 | $ 115,000 | $ 446,000 |
| Deschutes County Oregon | 1 | $ 505,000 | $ 505,000 | $ 971,000 |
| Klamath County Oregon | 1 | $ 35,000 | $ 35,000 | $ 145,000 |
| Lane County Oregon | 1 | $ 125,000 | $ 125,000 | $ 155,000 |
| Beaver County Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 358,000 |
| Centre County Pennsylvania | 1 | $ 205,000 | $ 205,000 | $ 178,000 |
| Dauphin County Pennsylvania | 1 | $ 125,000 | $ 125,000 | $ 166,000 |
| Lackawanna County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 114,000 |
| Lancaster County Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 123,000 |
| Lehigh County Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 271,000 |
| Mercer County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 121,000 |
| Northumberland County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 157,000 |
| Pike County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Washington County Pennsylvania | 1 | $ 85,000 | $ 85,000 | $ 154,000 |
| Westmoreland County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 63,000 |
| York County Pennsylvania | 1 | $ 75,000 | $ 75,000 | $ 198,000 |
| Bristol County Rhode Island | 1 | $ 325,000 | $ 325,000 | $ 264,000 |
| Kent County Rhode Island | 1 | $ 425,000 | $ 425,000 | $ 260,000 |
| Greenville County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 126,000 |
| Horry County South Carolina | 1 | $ 945,000 | $ 945,000 | $ 535,000 |
| York County South Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Deuel County South Dakota | 1 | $ 175,000 | $ 175,000 | $ 105,000 |
| Carter County Tennessee | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Cocke County Tennessee | 1 | $ 445,000 | $ 445,000 | $ 171,000 |
| Franklin County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 168,000 |
| Hamblen County Tennessee | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| Knox County Tennessee | 1 | $ 255,000 | $ 255,000 | $ 210,000 |
| Sevier County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 134,000 |
| Warren County Tennessee | 1 | $ 35,000 | $ 35,000 | $ 159,000 |
| Harris County Texas | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| Orange County Vermont | 1 | $ 145,000 | $ 145,000 | $ 305,000 |
| Orleans County Vermont | 1 | $ 25,000 | $ 25,000 | $ 64,000 |
| Windsor County Vermont | 1 | $ 75,000 | $ 75,000 | $ 228,000 |
| Albemarle County Virginia | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Alexandria County Virginia | 1 | $ 255,000 | $ 255,000 | $ 300,000 |
| Caroline County Virginia | 1 | $ 205,000 | $ 205,000 | $ 62,000 |
| Chesterfield County Virginia | 1 | $ 85,000 | $ 85,000 | $ 57,000 |
| Frederick County Virginia | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Hanover County Virginia | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| James City County Virginia | 1 | $ 55,000 | $ 55,000 | $ 137,000 |
| Nelson County Virginia | 1 | $ 115,000 | $ 115,000 | $ 119,000 |
| Powhatan County Virginia | 1 | $ 65,000 | $ 65,000 | $ 70,000 |
| Richmond City County Virginia | 1 | $ 275,000 | $ 275,000 | $ 455,000 |
| Stafford County Virginia | 1 | $ 85,000 | $ 85,000 | $ 299,000 |
| Suffolk County Virginia | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| York County Virginia | 1 | $ 55,000 | $ 55,000 | $ 87,000 |
| Adams County Washington | 1 | $ 115,000 | $ 115,000 | $ 150,000 |
| Dunn County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 256,000 |
| Fond du Lac County Wisconsin | 1 | $ 365,000 | $ 365,000 | $ 552,000 |
| Iron County Wisconsin | 1 | $ 265,000 | $ 265,000 | $ 284,000 |
| Kenosha County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Milwaukee County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 201,000 |
| Ozaukee County Wisconsin | 1 | $ 45,000 | $ 45,000 | $ 78,000 |
| St. Croix County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 66,000 |
| Winnebago County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 176,000 |
| Laramie County Wyoming | 1 | $ 135,000 | $ 135,000 | $ 125,000 |
| Natrona County Wyoming | 1 | $ 65,000 | $ 65,000 | $ 126,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2023
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 Improvement | 796 | $188,700,000 | $237,000 | $1,125,000 | $262,000 | $3,350,000 |
| Cash-out Refinancing | 410 | $77,930,000 | $190,000 | $1,405,000 | $214,000 | $6,600,000 |
| Home Purchase | 265 | $200,325,000 | $755,000 | $3,005,000 | $439,000 | $1,624,000 |
| Other Purpose | 120 | $17,700,000 | $147,000 | $505,000 | $168,000 | $910,000 |
| Refinancing | 42 | $18,750,000 | $446,000 | $2,005,000 | $234,000 | $1,003,000 |
| 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 | 996 | $319,430,000 | $320,000 | $3,005,000 | $279,000 | $6,600,000 |
| Not Provided | 306 | $92,260,000 | $301,000 | $1,835,000 | $291,000 | $3,350,000 |
| Black or African American | 123 | $29,855,000 | $242,000 | $1,555,000 | $220,000 | $1,082,000 |
| Hispanic | 110 | $25,450,000 | $231,000 | $1,215,000 | $197,000 | $750,000 |
| Asian | 89 | $33,875,000 | $380,000 | $1,765,000 | $291,000 | $855,000 |
| American Indian or Alaskan Native | 7 | $1,925,000 | $275,000 | $1,205,000 | $181,000 | $500,000 |
| 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) | 1,633 | $503,405,000 | $308,000 | $3,005,000 | $271,000 | $6,600,000 |
| 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 | 947 | $291,845,000 | $308,000 | $1,965,000 | $285,000 | $3,350,000 |
| Application Withdrawn By Applicant | 338 | $126,890,000 | $375,000 | $3,005,000 | $311,000 | $6,600,000 |
| Application Denied By Financial Institution | 270 | $64,280,000 | $238,000 | $1,955,000 | $176,000 | $1,325,000 |
| File Closed For Incompleteness | 62 | $16,000,000 | $258,000 | $1,365,000 | $253,000 | $978,000 |
| Application Approved But Not Accepted | 16 | $4,390,000 | $274,000 | $1,645,000 | $311,000 | $688,000 |
| 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 | 1,363 | $439,125,000 | $322,000 | $3,005,000 | $290,000 | $6,600,000 |
| Debt-To-Income Ratio | 166 | $43,130,000 | $259,000 | $1,955,000 | $163,000 | $777,000 |
| Credit History | 40 | $5,760,000 | $144,000 | $905,000 | $147,000 | $375,000 |
| Collateral | 38 | $8,580,000 | $225,000 | $1,485,000 | $206,000 | $664,000 |
| Other | 24 | $6,680,000 | $278,000 | $1,145,000 | $270,000 | $1,325,000 |
| Employment History | 2 | $130,000 | $65,000 | $105,000 | $115,000 | $205,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2023 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.