Usalliance Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Usalliance Federal Credit Union of Rye, NY reported 1,490 mortgage applications totaling $479.6 million, down 9% from 2023. The average application was for $321,852, and applicants reported an average income of $285,946. 63% of its applications resulted in an originated loan and 15% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (201), Chicago-Naperville, IL (70) and Cambridge-Newton-Framingham, MA (53) (applications in parentheses).
| 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 | 2025 2024 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 | 1,490 |
| Total Mortgage Loan Application Amount | $479,560,000 |
| Average Mortgage Loan Application Amount | $321,852 |
| Highest Mortgage Loan Application Amount | $2,005,000 |
| Average Applicant Income | $285,946 |
| Highest Applicant Income | $3,027,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Usalliance Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook, Illinois | 52 | $ 16,670,000 | $ 320,576 | $ 294,000 |
| Los Angeles, California | 51 | $ 15,765,000 | $ 309,117 | $ 299,000 |
| Kings, New York | 51 | $ 44,425,000 | $ 871,078 | $ 446,000 |
| Westchester, New York | 46 | $ 20,130,000 | $ 437,608 | $ 367,000 |
| San Diego, California | 35 | $ 11,435,000 | $ 326,714 | $ 277,000 |
| Middlesex, Massachusetts | 34 | $ 16,420,000 | $ 482,941 | $ 323,000 |
| Bergen, New Jersey | 29 | $ 13,235,000 | $ 456,379 | $ 325,000 |
| Western Connecticut Planning Region, Connecticut | 26 | $ 12,140,000 | $ 466,923 | $ 364,000 |
| Essex, New Jersey | 23 | $ 10,225,000 | $ 444,565 | $ 398,000 |
| Sacramento, California | 22 | $ 5,510,000 | $ 250,454 | $ 235,000 |
| King, Washington | 20 | $ 7,490,000 | $ 374,500 | $ 322,000 |
| Essex, Massachusetts | 19 | $ 6,205,000 | $ 326,578 | $ 237,000 |
| Ocean, New Jersey | 19 | $ 6,635,000 | $ 349,210 | $ 315,000 |
| Monmouth, New Jersey | 18 | $ 7,660,000 | $ 425,555 | $ 301,000 |
| Nassau, New York | 18 | $ 10,470,000 | $ 581,666 | $ 367,000 |
| Sullivan, New York | 18 | $ 2,010,000 | $ 111,666 | $ 141,000 |
| Montgomery, Maryland | 17 | $ 4,695,000 | $ 276,176 | $ 262,000 |
| Queens, New York | 16 | $ 8,310,000 | $ 519,375 | $ 336,000 |
| Morris, New Jersey | 15 | $ 5,905,000 | $ 393,666 | $ 427,000 |
| Rockland, New York | 15 | $ 2,935,000 | $ 195,666 | $ 244,000 |
| Fairfax, Virginia | 15 | $ 3,735,000 | $ 249,000 | $ 241,000 |
| Contra Costa, California | 14 | $ 4,630,000 | $ 330,714 | $ 313,000 |
| Greater Bridgeport Planning Region, Connecticut | 14 | $ 2,230,000 | $ 159,285 | $ 277,000 |
| DuPage, Illinois | 14 | $ 3,740,000 | $ 267,142 | $ 295,000 |
| Alameda, California | 13 | $ 4,605,000 | $ 354,230 | $ 367,000 |
| Orange, California | 13 | $ 5,665,000 | $ 435,769 | $ 438,000 |
| Passaic, New Jersey | 13 | $ 1,945,000 | $ 149,615 | $ 178,000 |
| Mecklenburg, North Carolina | 13 | $ 3,345,000 | $ 257,307 | $ 269,000 |
| San Francisco, California | 12 | $ 4,320,000 | $ 360,000 | $ 379,000 |
| Miami-Dade, Florida | 12 | $ 3,500,000 | $ 291,666 | $ 267,000 |
| Cobb, Georgia | 12 | $ 2,480,000 | $ 206,666 | $ 258,000 |
| Fulton, Georgia | 12 | $ 1,950,000 | $ 162,500 | $ 207,000 |
| Norfolk, Massachusetts | 12 | $ 5,170,000 | $ 430,833 | $ 404,000 |
| Suffolk, Massachusetts | 12 | $ 7,540,000 | $ 628,333 | $ 500,000 |
| New York, New York | 12 | $ 11,520,000 | $ 960,000 | $ 532,000 |
| South Central Connecticut Planning Region, Connecticut | 10 | $ 2,100,000 | $ 210,000 | $ 194,000 |
| Hillsborough, Florida | 10 | $ 3,460,000 | $ 346,000 | $ 318,000 |
| Orange, Florida | 10 | $ 1,440,000 | $ 144,000 | $ 149,000 |
| Prince George's, Maryland | 10 | $ 1,710,000 | $ 171,000 | $ 178,000 |
| Union, New Jersey | 10 | $ 4,890,000 | $ 489,000 | $ 450,000 |
| Suffolk, New York | 10 | $ 6,710,000 | $ 671,000 | $ 634,000 |
| Montgomery, Pennsylvania | 10 | $ 2,700,000 | $ 270,000 | $ 280,000 |
| San Mateo, California | 9 | $ 3,475,000 | $ 386,111 | $ 362,000 |
| DeKalb, Georgia | 9 | $ 1,835,000 | $ 203,888 | $ 160,000 |
| Middlesex, New Jersey | 9 | $ 1,205,000 | $ 133,888 | $ 293,000 |
| Riverside, California | 8 | $ 2,990,000 | $ 373,750 | $ 256,000 |
| Santa Clara, California | 8 | $ 3,030,000 | $ 378,750 | $ 293,000 |
| Ventura, California | 8 | $ 1,650,000 | $ 206,250 | $ 252,000 |
| District of Columbia, District Of Columbia | 8 | $ 2,300,000 | $ 287,500 | $ 335,000 |
| Pinellas, Florida | 8 | $ 1,480,000 | $ 185,000 | $ 209,000 |
| Bronx, New York | 8 | $ 3,230,000 | $ 403,750 | $ 224,000 |
| Chester, Pennsylvania | 8 | $ 2,370,000 | $ 296,250 | $ 250,000 |
| San Bernardino, California | 7 | $ 2,005,000 | $ 286,428 | $ 293,000 |
| Mercer, New Jersey | 7 | $ 3,335,000 | $ 476,428 | $ 289,000 |
| Deschutes, Oregon | 7 | $ 1,915,000 | $ 273,571 | $ 280,000 |
| Delaware, Pennsylvania | 7 | $ 3,125,000 | $ 446,428 | $ 427,000 |
| Maricopa, Arizona | 6 | $ 2,550,000 | $ 425,000 | $ 236,000 |
| Palm Beach, Florida | 6 | $ 2,380,000 | $ 396,666 | $ 291,000 |
| Gwinnett, Georgia | 6 | $ 680,000 | $ 113,333 | $ 87,000 |
| Howard, Maryland | 6 | $ 1,800,000 | $ 300,000 | $ 237,000 |
| Camden, New Jersey | 6 | $ 1,400,000 | $ 233,333 | $ 132,000 |
| Hudson, New Jersey | 6 | $ 2,520,000 | $ 420,000 | $ 288,000 |
| Ulster, New York | 6 | $ 580,000 | $ 96,666 | $ 104,000 |
| Wake, North Carolina | 6 | $ 1,070,000 | $ 178,333 | $ 186,000 |
| Washington, Oregon | 6 | $ 1,040,000 | $ 173,333 | $ 198,000 |
| Allegheny, Pennsylvania | 6 | $ 1,140,000 | $ 190,000 | $ 246,000 |
| Davidson, Tennessee | 6 | $ 1,720,000 | $ 286,666 | $ 276,000 |
| Pierce, Washington | 6 | $ 1,040,000 | $ 173,333 | $ 223,000 |
| Broward, Florida | 5 | $ 845,000 | $ 169,000 | $ 173,000 |
| Marion, Indiana | 5 | $ 1,095,000 | $ 219,000 | $ 237,000 |
| Oakland, Michigan | 5 | $ 1,095,000 | $ 219,000 | $ 251,000 |
| Orange, New York | 5 | $ 785,000 | $ 157,000 | $ 155,000 |
| Williamson, Tennessee | 5 | $ 1,345,000 | $ 269,000 | $ 245,000 |
| Kern, California | 4 | $ 580,000 | $ 145,000 | $ 225,000 |
| Marin, California | 4 | $ 950,000 | $ 237,500 | $ 415,000 |
| Sonoma, California | 4 | $ 840,000 | $ 210,000 | $ 224,000 |
| Lake, Illinois | 4 | $ 800,000 | $ 200,000 | $ 330,000 |
| Plymouth, Massachusetts | 4 | $ 3,150,000 | $ 787,500 | $ 374,000 |
| Hillsborough, New Hampshire | 4 | $ 920,000 | $ 230,000 | $ 226,000 |
| Atlantic, New Jersey | 4 | $ 1,800,000 | $ 450,000 | $ 301,000 |
| Sussex, New Jersey | 4 | $ 1,350,000 | $ 337,500 | $ 231,000 |
| Dutchess, New York | 4 | $ 2,320,000 | $ 580,000 | $ 433,000 |
| Putnam, New York | 4 | $ 1,000,000 | $ 250,000 | $ 250,000 |
| New Hanover, North Carolina | 4 | $ 770,000 | $ 192,500 | $ 388,000 |
| Franklin, Ohio | 4 | $ 830,000 | $ 207,500 | $ 232,000 |
| Providence, Rhode Island | 4 | $ 710,000 | $ 177,500 | $ 165,000 |
| Kitsap, Washington | 4 | $ 1,420,000 | $ 355,000 | $ 462,000 |
| Madison, Alabama | 3 | $ 535,000 | $ 178,333 | $ 183,000 |
| Placer, California | 3 | $ 705,000 | $ 235,000 | $ 238,000 |
| San Luis Obispo, California | 3 | $ 815,000 | $ 271,666 | $ 168,000 |
| Santa Cruz, California | 3 | $ 1,475,000 | $ 491,666 | $ 399,000 |
| Stanislaus, California | 3 | $ 255,000 | $ 85,000 | $ 117,000 |
| Denver, Colorado | 3 | $ 1,145,000 | $ 381,666 | $ 254,000 |
| Capitol Planning Region, Connecticut | 3 | $ 1,055,000 | $ 351,666 | $ 291,000 |
| Naugatuck Valley Planning Region, Connecticut | 3 | $ 395,000 | $ 131,666 | $ 137,000 |
| Sussex, Delaware | 3 | $ 1,455,000 | $ 485,000 | $ 329,000 |
| Escambia, Florida | 3 | $ 825,000 | $ 275,000 | $ 101,000 |
| Indian River, Florida | 3 | $ 2,125,000 | $ 708,333 | $ 388,000 |
| Lake, Florida | 3 | $ 435,000 | $ 145,000 | $ 161,000 |
| Manatee, Florida | 3 | $ 545,000 | $ 181,666 | $ 160,000 |
| Monroe, Florida | 3 | $ 2,545,000 | $ 848,333 | $ 2,084,000 |
| Polk, Florida | 3 | $ 165,000 | $ 55,000 | $ 96,000 |
| Seminole, Florida | 3 | $ 775,000 | $ 258,333 | $ 188,000 |
| Volusia, Florida | 3 | $ 295,000 | $ 98,333 | $ 124,000 |
| Cherokee, Georgia | 3 | $ 615,000 | $ 205,000 | $ 184,000 |
| Baltimore, Maryland | 3 | $ 665,000 | $ 221,666 | $ 242,000 |
| Baltimore City, Maryland | 3 | $ 365,000 | $ 121,666 | $ 128,000 |
| Charles, Maryland | 3 | $ 315,000 | $ 105,000 | $ 156,000 |
| Worcester, Massachusetts | 3 | $ 1,075,000 | $ 358,333 | $ 244,000 |
| Hennepin, Minnesota | 3 | $ 945,000 | $ 315,000 | $ 331,000 |
| St. Louis, Missouri | 3 | $ 855,000 | $ 285,000 | $ 216,000 |
| Belknap, New Hampshire | 3 | $ 1,735,000 | $ 578,333 | $ 814,000 |
| Burlington, New Jersey | 3 | $ 505,000 | $ 168,333 | $ 160,000 |
| Gloucester, New Jersey | 3 | $ 465,000 | $ 155,000 | $ 175,000 |
| Delaware, New York | 3 | $ 375,000 | $ 125,000 | $ 199,000 |
| Iredell, North Carolina | 3 | $ 725,000 | $ 241,666 | $ 276,000 |
| Clermont, Ohio | 3 | $ 285,000 | $ 95,000 | $ 213,000 |
| Summit, Ohio | 3 | $ 385,000 | $ 128,333 | $ 262,000 |
| Multnomah, Oregon | 3 | $ 645,000 | $ 215,000 | $ 248,000 |
| Bucks, Pennsylvania | 3 | $ 1,395,000 | $ 465,000 | $ 335,000 |
| Lancaster, Pennsylvania | 3 | $ 365,000 | $ 121,666 | $ 269,000 |
| Knox, Tennessee | 3 | $ 705,000 | $ 235,000 | $ 358,000 |
| Bedford, Virginia | 3 | $ 1,195,000 | $ 398,333 | $ 239,000 |
| Henrico, Virginia | 3 | $ 525,000 | $ 175,000 | $ 163,000 |
| Loudoun, Virginia | 3 | $ 345,000 | $ 115,000 | $ 197,000 |
| Richmond City, Virginia | 3 | $ 525,000 | $ 175,000 | $ 198,000 |
| El Dorado, California | 2 | $ 540,000 | $ 270,000 | $ 201,000 |
| San Joaquin, California | 2 | $ 420,000 | $ 210,000 | $ 193,000 |
| Santa Barbara, California | 2 | $ 220,000 | $ 110,000 | $ 164,000 |
| Yolo, California | 2 | $ 410,000 | $ 205,000 | $ 192,000 |
| Boulder, Colorado | 2 | $ 600,000 | $ 300,000 | $ 194,000 |
| El Paso, Colorado | 2 | $ 420,000 | $ 210,000 | $ 232,000 |
| Jefferson, Colorado | 2 | $ 1,010,000 | $ 505,000 | $ 443,000 |
| Lower Connecticut River Valley Planning Region, Connecticut | 2 | $ 320,000 | $ 160,000 | $ 210,000 |
| New Castle, Delaware | 2 | $ 160,000 | $ 80,000 | $ 160,000 |
| Brevard, Florida | 2 | $ 570,000 | $ 285,000 | $ 212,000 |
| Leon, Florida | 2 | $ 130,000 | $ 65,000 | $ 181,000 |
| Okaloosa, Florida | 2 | $ 1,170,000 | $ 585,000 | $ 312,000 |
| Forsyth, Georgia | 2 | $ 250,000 | $ 125,000 | $ 116,000 |
| Kane, Illinois | 2 | $ 300,000 | $ 150,000 | $ 241,000 |
| McHenry, Illinois | 2 | $ 100,000 | $ 50,000 | $ 101,000 |
| Will, Illinois | 2 | $ 490,000 | $ 245,000 | $ 347,000 |
| Boone, Indiana | 2 | $ 230,000 | $ 115,000 | $ 200,000 |
| Tippecanoe, Indiana | 2 | $ 250,000 | $ 125,000 | $ 243,000 |
| Campbell, Kentucky | 2 | $ 510,000 | $ 255,000 | $ 174,000 |
| Fayette, Kentucky | 2 | $ 100,000 | $ 50,000 | $ 99,000 |
| East Baton Rouge, Louisiana | 2 | $ 310,000 | $ 155,000 | $ 152,000 |
| Livingston, Louisiana | 2 | $ 180,000 | $ 90,000 | $ 222,000 |
| Orleans, Louisiana | 2 | $ 390,000 | $ 195,000 | $ 300,000 |
| Kennebec, Maine | 2 | $ 250,000 | $ 125,000 | $ 128,000 |
| Anne Arundel, Maryland | 2 | $ 300,000 | $ 150,000 | $ 185,000 |
| Calvert, Maryland | 2 | $ 90,000 | $ 45,000 | $ 241,000 |
| Carroll, Maryland | 2 | $ 200,000 | $ 100,000 | $ 161,000 |
| Barnstable, Massachusetts | 2 | $ 310,000 | $ 155,000 | $ 181,000 |
| Bristol, Massachusetts | 2 | $ 120,000 | $ 60,000 | $ 105,000 |
| Boone, Missouri | 2 | $ 200,000 | $ 100,000 | $ 142,000 |
| St. Charles, Missouri | 2 | $ 230,000 | $ 115,000 | $ 218,000 |
| Cape May, New Jersey | 2 | $ 660,000 | $ 330,000 | $ 230,000 |
| Warren, New Jersey | 2 | $ 170,000 | $ 85,000 | $ 101,000 |
| Bernalillo, New Mexico | 2 | $ 620,000 | $ 310,000 | $ 443,000 |
| Cabarrus, North Carolina | 2 | $ 630,000 | $ 315,000 | $ 181,000 |
| Johnston, North Carolina | 2 | $ 80,000 | $ 40,000 | $ 63,000 |
| Lincoln, North Carolina | 2 | $ 460,000 | $ 230,000 | $ 218,000 |
| Northampton, North Carolina | 2 | $ 1,000,000 | $ 500,000 | $ 325,000 |
| Orange, North Carolina | 2 | $ 490,000 | $ 245,000 | $ 249,000 |
| Cuyahoga, Ohio | 2 | $ 150,000 | $ 75,000 | $ 202,000 |
| Delaware, Ohio | 2 | $ 530,000 | $ 265,000 | $ 251,000 |
| Lucas, Ohio | 2 | $ 150,000 | $ 75,000 | $ 159,000 |
| Tulsa, Oklahoma | 2 | $ 360,000 | $ 180,000 | $ 166,000 |
| Jackson, Oregon | 2 | $ 240,000 | $ 120,000 | $ 161,000 |
| Dauphin, Pennsylvania | 2 | $ 240,000 | $ 120,000 | $ 60,000 |
| Monroe, Pennsylvania | 2 | $ 300,000 | $ 150,000 | $ 110,000 |
| Schuylkill, Pennsylvania | 2 | $ 410,000 | $ 205,000 | $ 238,000 |
| York, Pennsylvania | 2 | $ 170,000 | $ 85,000 | $ 97,000 |
| Washington, Rhode Island | 2 | $ 170,000 | $ 85,000 | $ 169,000 |
| Charleston, South Carolina | 2 | $ 360,000 | $ 180,000 | $ 190,000 |
| Hamilton, Tennessee | 2 | $ 140,000 | $ 70,000 | $ 68,000 |
| Wilson, Tennessee | 2 | $ 260,000 | $ 130,000 | $ 302,000 |
| Alexandria, Virginia | 2 | $ 270,000 | $ 135,000 | $ 352,000 |
| Arlington, Virginia | 2 | $ 860,000 | $ 430,000 | $ 299,000 |
| Chesterfield, Virginia | 2 | $ 330,000 | $ 165,000 | $ 127,000 |
| Hanover, Virginia | 2 | $ 390,000 | $ 195,000 | $ 348,000 |
| James City, Virginia | 2 | $ 260,000 | $ 130,000 | $ 144,000 |
| Poquoson, Virginia | 2 | $ 230,000 | $ 115,000 | $ 124,000 |
| Prince William, Virginia | 2 | $ 240,000 | $ 120,000 | $ 342,000 |
| Stafford, Virginia | 2 | $ 270,000 | $ 135,000 | $ 155,000 |
| Virginia Beach, Virginia | 2 | $ 610,000 | $ 305,000 | $ 435,000 |
| Mason, Washington | 2 | $ 350,000 | $ 175,000 | $ 174,000 |
| Spokane, Washington | 2 | $ 490,000 | $ 245,000 | $ 336,000 |
| Baldwin, Alabama | 1 | $ 55,000 | $ 55,000 | $ 131,000 |
| Colbert, Alabama | 1 | $ 95,000 | $ 95,000 | $ 78,000 |
| Jefferson, Alabama | 1 | $ 355,000 | $ 355,000 | $ 242,000 |
| Lauderdale, Alabama | 1 | $ 145,000 | $ 145,000 | $ 140,000 |
| Mobile, Alabama | 1 | $ 95,000 | $ 95,000 | $ 108,000 |
| Pima, Arizona | 1 | $ 125,000 | $ 125,000 | $ 174,000 |
| Pinal, Arizona | 1 | $ 35,000 | $ 35,000 | $ 128,000 |
| Benton, Arkansas | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Pulaski, Arkansas | 1 | $ 305,000 | $ 305,000 | $ 784,000 |
| Butte, California | 1 | $ 125,000 | $ 125,000 | $ 129,000 |
| Fresno, California | 1 | $ 135,000 | $ 135,000 | $ 116,000 |
| Madera, California | 1 | $ 55,000 | $ 55,000 | $ 138,000 |
| Nevada, California | 1 | $ 115,000 | $ 115,000 | $ 94,000 |
| Shasta, California | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Solano, California | 1 | $ 505,000 | $ 505,000 | $ 345,000 |
| Yuba, California | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
| Douglas, Colorado | 1 | $ 215,000 | $ 215,000 | $ 277,000 |
| Garfield, Colorado | 1 | $ 35,000 | $ 35,000 | $ 142,000 |
| Northeastern Connecticut Planning Region, Connecticut | 1 | $ 155,000 | $ 155,000 | $ 63,000 |
| Southeastern Connecticut Planning Region, Connecticut | 1 | $ 105,000 | $ 105,000 | $ 180,000 |
| Clay, Florida | 1 | $ 185,000 | $ 185,000 | $ 126,000 |
| Collier, Florida | 1 | $ 1,345,000 | $ 1,345,000 | $ 506,000 |
| DeSoto, Florida | 1 | $ 135,000 | $ 135,000 | $ 34,000 |
| Duval, Florida | 1 | $ 435,000 | $ 435,000 | $ 226,000 |
| Lee, Florida | 1 | $ 215,000 | $ 215,000 | $ 324,000 |
| Osceola, Florida | 1 | $ 295,000 | $ 295,000 | $ 128,000 |
| Pasco, Florida | 1 | $ 105,000 | $ 105,000 | $ 193,000 |
| Santa Rosa, Florida | 1 | $ 155,000 | $ 155,000 | $ 111,000 |
| Sarasota, Florida | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| St. Johns, Florida | 1 | $ 175,000 | $ 175,000 | $ 245,000 |
| Taylor, Florida | 1 | $ 85,000 | $ 85,000 | $ 162,000 |
| Walton, Florida | 1 | $ 505,000 | $ 505,000 | $ 591,000 |
| Carroll, Georgia | 1 | $ 125,000 | $ 125,000 | $ 163,000 |
| Chatham, Georgia | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
| Columbia, Georgia | 1 | $ 135,000 | $ 135,000 | $ 339,000 |
| Coweta, Georgia | 1 | $ 305,000 | $ 305,000 | $ 245,000 |
| Fannin, Georgia | 1 | $ 905,000 | $ 905,000 | $ 391,000 |
| Henry, Georgia | 1 | $ 65,000 | $ 65,000 | $ 314,000 |
| Johnson, Georgia | 1 | $ 255,000 | $ 255,000 | $ 134,000 |
| Paulding, Georgia | 1 | $ 45,000 | $ 45,000 | $ 287,000 |
| Union, Georgia | 1 | $ 365,000 | $ 365,000 | $ 220,000 |
| Ada, Idaho | 1 | $ 225,000 | $ 225,000 | $ 180,000 |
| Elmore, Idaho | 1 | $ 45,000 | $ 45,000 | $ 67,000 |
| Lemhi, Idaho | 1 | $ 85,000 | $ 85,000 | $ 83,000 |
| Washington, Idaho | 1 | $ 405,000 | $ 405,000 | $ 500,000 |
| Tazewell, Illinois | 1 | $ 45,000 | $ 45,000 | $ 123,000 |
| Brown, Indiana | 1 | $ 105,000 | $ 105,000 | $ 155,000 |
| Porter, Indiana | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Ripley, Indiana | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Madison, Iowa | 1 | $ 275,000 | $ 275,000 | $ 215,000 |
| Johnson, Kansas | 1 | $ 465,000 | $ 465,000 | $ 316,000 |
| Calloway, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 118,000 |
| Jefferson, Kentucky | 1 | $ 75,000 | $ 75,000 | $ 461,000 |
| Kenton, Kentucky | 1 | $ 25,000 | $ 25,000 | $ 137,000 |
| Letcher, Kentucky | 1 | $ 65,000 | $ 65,000 | $ 106,000 |
| Logan, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 46,000 |
| Pulaski, Kentucky | 1 | $ 55,000 | $ 55,000 | $ 101,000 |
| Scott, Kentucky | 1 | $ 135,000 | $ 135,000 | $ 193,000 |
| Lafourche, Louisiana | 1 | $ 65,000 | $ 65,000 | $ 166,000 |
| St. Charles, Louisiana | 1 | $ 155,000 | $ 155,000 | $ 245,000 |
| St. Tammany, Louisiana | 1 | $ 85,000 | $ 85,000 | $ 141,000 |
| Vernon, Louisiana | 1 | $ 55,000 | $ 55,000 | $ 171,000 |
| Cumberland, Maine | 1 | $ 125,000 | $ 125,000 | $ 120,000 |
| Sagadahoc, Maine | 1 | $ 105,000 | $ 105,000 | $ 205,000 |
| York, Maine | 1 | $ 425,000 | $ 425,000 | $ 131,000 |
| Frederick, Maryland | 1 | $ 225,000 | $ 225,000 | $ 358,000 |
| Harford, Maryland | 1 | $ 215,000 | $ 215,000 | $ 239,000 |
| Antrim, Michigan | 1 | $ 95,000 | $ 95,000 | $ 118,000 |
| Calhoun, Michigan | 1 | $ 115,000 | $ 115,000 | $ 100,000 |
| Clinton, Michigan | 1 | $ 165,000 | $ 165,000 | $ 251,000 |
| Jackson, Michigan | 1 | $ 155,000 | $ 155,000 | $ 255,000 |
| Lapeer, Michigan | 1 | $ 315,000 | $ 315,000 | $ 589,000 |
| Muskegon, Michigan | 1 | $ 55,000 | $ 55,000 | $ 294,000 |
| St. Clair, Michigan | 1 | $ 85,000 | $ 85,000 | $ 215,000 |
| Washtenaw, Michigan | 1 | $ 515,000 | $ 515,000 | $ 258,000 |
| Wayne, Michigan | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Carver, Minnesota | 1 | $ 505,000 | $ 505,000 | $ 475,000 |
| Washington, Minnesota | 1 | $ 365,000 | $ 365,000 | $ 260,000 |
| Harrison, Mississippi | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| Rankin, Mississippi | 1 | $ 255,000 | $ 255,000 | $ 348,000 |
| Jackson, Missouri | 1 | $ 155,000 | $ 155,000 | $ 247,000 |
| St. Louis City, Missouri | 1 | $ 125,000 | $ 125,000 | $ 86,000 |
| Texas, Missouri | 1 | $ 105,000 | $ 105,000 | $ 112,000 |
| Missoula, Montana | 1 | $ 315,000 | $ 315,000 | $ 276,000 |
| Richland, Montana | 1 | $ 65,000 | $ 65,000 | $ 154,000 |
| Silver Bow, Montana | 1 | $ 185,000 | $ 185,000 | $ 241,000 |
| Yellowstone, Montana | 1 | $ 115,000 | $ 115,000 | $ 316,000 |
| Clark, Nevada | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Cheshire, New Hampshire | 1 | $ 155,000 | $ 155,000 | $ 187,000 |
| Grafton, New Hampshire | 1 | $ 325,000 | $ 325,000 | $ 146,000 |
| Merrimack, New Hampshire | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Rockingham, New Hampshire | 1 | $ 505,000 | $ 505,000 | $ 129,000 |
| Hunterdon, New Jersey | 1 | $ 355,000 | $ 355,000 | $ 79,000 |
| Somerset, New Jersey | 1 | $ 285,000 | $ 285,000 | $ 664,000 |
| Cayuga, New York | 1 | $ 155,000 | $ 155,000 | $ 216,000 |
| Richmond, New York | 1 | $ 35,000 | $ 35,000 | $ 39,000 |
| Caldwell, North Carolina | 1 | $ 205,000 | $ 205,000 | $ 143,000 |
| Catawba, North Carolina | 1 | $ 265,000 | $ 265,000 | $ 249,000 |
| Chatham, North Carolina | 1 | $ 135,000 | $ 135,000 | $ 216,000 |
| Cumberland, North Carolina | 1 | $ 255,000 | $ 255,000 | $ 175,000 |
| Currituck, North Carolina | 1 | $ 305,000 | $ 305,000 | $ 607,000 |
| Davie, North Carolina | 1 | $ 395,000 | $ 395,000 | $ 309,000 |
| Forsyth, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 104,000 |
| Guilford, North Carolina | 1 | $ 185,000 | $ 185,000 | $ 738,000 |
| Haywood, North Carolina | 1 | $ 145,000 | $ 145,000 | $ 261,000 |
| Lee, North Carolina | 1 | $ 65,000 | $ 65,000 | $ 179,000 |
| Moore, North Carolina | 1 | $ 505,000 | $ 505,000 | $ 192,000 |
| Rowan, North Carolina | 1 | $ 175,000 | $ 175,000 | $ 110,000 |
| Union, North Carolina | 1 | $ 505,000 | $ 505,000 | $ 270,000 |
| Watauga, North Carolina | 1 | $ 505,000 | $ 505,000 | $ 514,000 |
| Cass, North Dakota | 1 | $ 75,000 | $ 75,000 | $ 163,000 |
| Grand Forks, North Dakota | 1 | $ 65,000 | $ 65,000 | $ 275,000 |
| Belmont, Ohio | 1 | $ 125,000 | $ 125,000 | $ 270,000 |
| Crawford, Ohio | 1 | $ 105,000 | $ 105,000 | $ 123,000 |
| Greene, Ohio | 1 | $ 335,000 | $ 335,000 | $ 375,000 |
| Hamilton, Ohio | 1 | $ 505,000 | $ 505,000 | $ 486,000 |
| Lake, Ohio | 1 | $ 165,000 | $ 165,000 | $ 500,000 |
| Lorain, Ohio | 1 | $ 175,000 | $ 175,000 | $ 143,000 |
| Medina, Ohio | 1 | $ 125,000 | $ 125,000 | $ 228,000 |
| Montgomery, Ohio | 1 | $ 125,000 | $ 125,000 | $ 165,000 |
| Ottawa, Ohio | 1 | $ 195,000 | $ 195,000 | $ 242,000 |
| Pickaway, Ohio | 1 | $ 225,000 | $ 225,000 | $ 307,000 |
| Portage, Ohio | 1 | $ 45,000 | $ 45,000 | $ 74,000 |
| Warren, Ohio | 1 | $ 175,000 | $ 175,000 | $ 193,000 |
| Jackson, Oklahoma | 1 | $ 135,000 | $ 135,000 | $ 76,000 |
| Oklahoma, Oklahoma | 1 | $ 145,000 | $ 145,000 | $ 175,000 |
| Washington, Oklahoma | 1 | $ 85,000 | $ 85,000 | $ 156,000 |
| Clackamas, Oregon | 1 | $ 65,000 | $ 65,000 | $ 194,000 |
| Hood River, Oregon | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Lane, Oregon | 1 | $ 215,000 | $ 215,000 | $ 104,000 |
| Linn, Oregon | 1 | $ 75,000 | $ 75,000 | $ 127,000 |
| Marion, Oregon | 1 | $ 55,000 | $ 55,000 | $ 67,000 |
| Polk, Oregon | 1 | $ 135,000 | $ 135,000 | $ 166,000 |
| Adams, Pennsylvania | 1 | $ 95,000 | $ 95,000 | $ 133,000 |
| Beaver, Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 124,000 |
| Berks, Pennsylvania | 1 | $ 55,000 | $ 55,000 | $ 152,000 |
| Butler, Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 288,000 |
| Cumberland, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 293,000 |
| Lawrence, Pennsylvania | 1 | $ 165,000 | $ 165,000 | $ 166,000 |
| Northampton, Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 138,000 |
| Philadelphia, Pennsylvania | 1 | $ 145,000 | $ 145,000 | $ 127,000 |
| Wayne, Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 72,000 |
| Newport, Rhode Island | 1 | $ 85,000 | $ 85,000 | $ 208,000 |
| Beaufort, South Carolina | 1 | $ 105,000 | $ 105,000 | $ 350,000 |
| Jasper, South Carolina | 1 | $ 55,000 | $ 55,000 | $ 214,000 |
| Lexington, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 229,000 |
| Pickens, South Carolina | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Richland, South Carolina | 1 | $ 125,000 | $ 125,000 | $ 346,000 |
| York, South Carolina | 1 | $ 95,000 | $ 95,000 | $ 322,000 |
| Fall River, South Dakota | 1 | $ 145,000 | $ 145,000 | $ 141,000 |
| Minnehaha, South Dakota | 1 | $ 85,000 | $ 85,000 | $ 144,000 |
| Pennington, South Dakota | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Moore, Tennessee | 1 | $ 255,000 | $ 255,000 | $ 185,000 |
| Rhea, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 143,000 |
| Robertson, Tennessee | 1 | $ 95,000 | $ 95,000 | $ 240,000 |
| Rutherford, Tennessee | 1 | $ 55,000 | $ 55,000 | $ 164,000 |
| Sevier, Tennessee | 1 | $ 105,000 | $ 105,000 | $ 139,000 |
| Shelby, Tennessee | 1 | $ 275,000 | $ 275,000 | $ 251,000 |
| Washington, Tennessee | 1 | $ 475,000 | $ 475,000 | $ 462,000 |
| Albemarle, Virginia | 1 | $ 355,000 | $ 355,000 | $ 332,000 |
| Chesapeake, Virginia | 1 | $ 225,000 | $ 225,000 | $ 344,000 |
| Dinwiddie, Virginia | 1 | $ 225,000 | $ 225,000 | $ 179,000 |
| Fauquier, Virginia | 1 | $ 85,000 | $ 85,000 | $ 215,000 |
| Middlesex, Virginia | 1 | $ 275,000 | $ 275,000 | $ 344,000 |
| Montgomery, Virginia | 1 | $ 145,000 | $ 145,000 | $ 242,000 |
| Pulaski, Virginia | 1 | $ 185,000 | $ 185,000 | $ 199,000 |
| Roanoke, Virginia | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Chelan, Washington | 1 | $ 505,000 | $ 505,000 | $ 875,000 |
| Clark, Washington | 1 | $ 225,000 | $ 225,000 | $ 164,000 |
| Snohomish, Washington | 1 | $ 245,000 | $ 245,000 | $ 186,000 |
| Stevens, Washington | 1 | $ 175,000 | $ 175,000 | $ 37,000 |
| Thurston, Washington | 1 | $ 405,000 | $ 405,000 | $ 318,000 |
| Whatcom, Washington | 1 | $ 115,000 | $ 115,000 | $ 88,000 |
| Waukesha, Wisconsin | 1 | $ 505,000 | $ 505,000 | $ 674,000 |
| Winnebago, Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 166,000 |
| Laramie, Wyoming | 1 | $ 175,000 | $ 175,000 | $ 213,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2024
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 | 747 | $179,675,000 | $240,000 | $755,000 | $270,000 | $1,404,000 |
| Cash-out Refinancing | 334 | $70,510,000 | $211,000 | $1,205,000 | $225,000 | $1,750,000 |
| Home Purchase | 225 | $177,675,000 | $789,000 | $2,005,000 | $456,000 | $3,027,000 |
| Refinancing | 99 | $37,475,000 | $378,000 | $1,935,000 | $270,000 | $747,000 |
| Other Purpose | 85 | $14,225,000 | $167,000 | $505,000 | $234,000 | $1,779,000 |
| 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 | 885 | $292,975,000 | $331,000 | $2,005,000 | $295,000 | $3,027,000 |
| Not Provided | 309 | $98,345,000 | $318,000 | $1,935,000 | $274,000 | $1,100,000 |
| Hispanic | 124 | $32,780,000 | $264,000 | $1,505,000 | $254,000 | $865,000 |
| Black or African American | 93 | $23,875,000 | $256,000 | $1,835,000 | $270,000 | $1,126,000 |
| Asian | 76 | $31,240,000 | $411,000 | $1,385,000 | $300,000 | $684,000 |
| American Indian or Alaskan Native | 3 | $345,000 | $115,000 | $115,000 | $117,000 | $156,000 |
| 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) | 1,490 | $479,560,000 | $321,000 | $2,005,000 | $286,000 | $3,027,000 |
| 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 | 937 | $305,025,000 | $325,000 | $2,005,000 | $295,000 | $1,404,000 |
| Application Withdrawn By Applicant | 285 | $102,915,000 | $361,000 | $1,835,000 | $287,000 | $1,241,000 |
| Application Denied By Financial Institution | 218 | $61,640,000 | $282,000 | $2,005,000 | $252,000 | $3,027,000 |
| File Closed For Incompleteness | 39 | $8,255,000 | $211,000 | $505,000 | $274,000 | $1,779,000 |
| Application Approved But Not Accepted | 11 | $1,725,000 | $156,000 | $455,000 | $173,000 | $448,000 |
| 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 | 1,272 | $417,920,000 | $328,000 | $2,005,000 | $292,000 | $1,779,000 |
| Debt-To-Income Ratio | 119 | $35,915,000 | $301,000 | $1,935,000 | $187,000 | $747,000 |
| Collateral | 48 | $10,180,000 | $212,000 | $895,000 | $244,000 | $600,000 |
| Other | 33 | $11,595,000 | $351,000 | $2,005,000 | $474,000 | $3,027,000 |
| Credit History | 12 | $1,940,000 | $161,000 | $305,000 | $303,000 | $607,000 |
| Unverifiable Information | 4 | $520,000 | $130,000 | $245,000 | $199,000 | $381,000 |
| Employment History | 1 | $205,000 | $205,000 | $205,000 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $1,285,000 | $1,285,000 | $1,285,000 | $750,000 | $750,000 |
| 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 2024 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.
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