Usalliance Federal Credit Union Mortgage Lending & HMDA Data, 2018
In 2018, Usalliance Federal Credit Union of Rye, NY reported 1,977 mortgage applications totaling $514.7 million, up 322% from 2017. The average application was for $260,361, and applicants reported an average income of $234,940. 57% of its applications resulted in an originated loan and 22% were denied. Its largest markets were New York-Jersey City-White Plains, NY-NJ (659), Cambridge-Newton-Framingham, MA (289) and Boston, MA (192) (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 | 1,977 |
| Total Mortgage Loan Application Amount | $514,735,000 |
| Average Mortgage Loan Application Amount | $260,361 |
| Highest Mortgage Loan Application Amount | $5,305,000 |
| Average Applicant Income | $234,940 |
| Highest Applicant Income | $3,826,000 |
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records Usalliance Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| New York-Jersey City-White Plains, NY-NJ | 659 | $ 190,025,000 | $ 288,353 | $ 232,719 |
| Cambridge-Newton-Framingham, MA | 289 | $ 51,545,000 | $ 178,356 | $ 193,000 |
| Boston, MA | 192 | $ 42,470,000 | $ 221,197 | $ 220,000 |
| Bridgeport-Stamford-Norwalk, CT | 175 | $ 75,895,000 | $ 433,685 | $ 317,000 |
| Newark, NJ-PA | 104 | $ 32,530,000 | $ 312,788 | $ 243,000 |
| Outside any metro area | 89 | $ 10,445,000 | $ 117,359 | $ 121,977 |
| Nassau County-Suffolk County, NY | 87 | $ 43,915,000 | $ 504,770 | $ 451,000 |
| Worcester, MA-CT | 33 | $ 3,595,000 | $ 108,939 | $ 190,000 |
| Dutchess County-Putnam County, NY | 27 | $ 6,655,000 | $ 246,481 | $ 234,000 |
| Kingston, NY | 20 | $ 1,820,000 | $ 91,000 | $ 91,000 |
| New Haven-Milford, CT | 20 | $ 2,750,000 | $ 137,500 | $ 201,000 |
| Providence-Warwick, RI-MA | 20 | $ 2,060,000 | $ 103,000 | $ 182,100 |
| Chicago-Naperville-Arlington Heights, IL | 18 | $ 3,180,000 | $ 176,666 | $ 167,000 |
| Barnstable Town, MA | 15 | $ 5,035,000 | $ 335,666 | $ 418,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 14 | $ 2,330,000 | $ 166,428 | $ 163,000 |
| Manchester-Nashua, NH | 14 | $ 1,630,000 | $ 116,428 | $ 187,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 13 | $ 3,865,000 | $ 297,307 | $ 456,000 |
| Hartford-West Hartford-East Hartford, CT | 12 | $ 2,270,000 | $ 189,166 | $ 295,000 |
| Miami-Miami Beach-Kendall, FL | 11 | $ 5,455,000 | $ 495,909 | $ 441,000 |
| Rockingham County-Strafford County, NH | 11 | $ 1,875,000 | $ 170,454 | $ 193,000 |
| Philadelphia, PA | 9 | $ 2,475,000 | $ 275,000 | $ 223,000 |
| Montgomery County-Bucks County-Chester County, PA | 8 | $ 920,000 | $ 115,000 | $ 259,000 |
| Tampa-St. Petersburg-Clearwater, FL | 8 | $ 1,650,000 | $ 206,250 | $ 239,000 |
| Atlanta-Sandy Springs-Roswell, GA | 7 | $ 515,000 | $ 73,571 | $ 85,000 |
| Portland-South Portland, ME | 6 | $ 440,000 | $ 73,333 | $ 188,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 6 | $ 1,010,000 | $ 168,333 | $ 346,666 |
| East Stroudsburg, PA | 5 | $ 485,000 | $ 97,000 | $ 96,000 |
| Trenton, NJ | 5 | $ 1,465,000 | $ 293,000 | $ 586,000 |
| Charlotte-Concord-Gastonia, NC-SC | 4 | $ 630,000 | $ 157,500 | $ 88,250 |
| Lake County-Kenosha County, IL-WI | 4 | $ 870,000 | $ 217,500 | $ 278,000 |
| Los Angeles-Long Beach-Glendale, CA | 4 | $ 1,230,000 | $ 307,500 | $ 174,000 |
| Raleigh, NC | 4 | $ 230,000 | $ 57,500 | $ 132,000 |
| Salisbury, MD-DE | 4 | $ 680,000 | $ 170,000 | $ 89,750 |
| Albany-Schenectady-Troy, NY | 3 | $ 405,000 | $ 135,000 | $ 196,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 365,000 | $ 121,666 | $ 201,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 1,125,000 | $ 375,000 | $ 100,000 |
| Warren-Troy-Farmington Hills, MI | 3 | $ 545,000 | $ 181,666 | $ 114,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 2 | $ 50,000 | $ 25,000 | $ 90,000 |
| Atlantic City-Hammonton, NJ | 2 | $ 160,000 | $ 80,000 | $ 89,000 |
| Baltimore-Columbia-Towson, MD | 2 | $ 60,000 | $ 30,000 | $ 100,000 |
| Camden, NJ | 2 | $ 390,000 | $ 195,000 | $ 200,000 |
| Cleveland-Elyria, OH | 2 | $ 110,000 | $ 55,000 | $ 273,000 |
| Columbus, OH | 2 | $ 80,000 | $ 40,000 | $ 50,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 380,000 | $ 190,000 | $ 102,000 |
| Elgin, IL | 2 | $ 320,000 | $ 160,000 | $ 304,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 310,000 | $ 155,000 | $ 43,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 1,350,000 | $ 675,000 | $ 979,000 |
| Norwich-New London, CT | 2 | $ 330,000 | $ 165,000 | $ 104,000 |
| Oakland-Hayward-Berkeley, CA | 2 | $ 470,000 | $ 235,000 | $ 179,000 |
| Phoenix-Mesa-Scottsdale, AZ | 2 | $ 460,000 | $ 230,000 | $ 80,000 |
| Reading, PA | 2 | $ 220,000 | $ 110,000 | $ 222,000 |
| Richmond, VA | 2 | $ 210,000 | $ 105,000 | $ 32,000 |
| Rochester, NY | 2 | $ 590,000 | $ 295,000 | $ 145,000 |
| Silver Spring-Frederick-Rockville, MD | 2 | $ 200,000 | $ 100,000 | $ 110,000 |
| Springfield, MA | 2 | $ 110,000 | $ 55,000 | $ 74,000 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 255,000 | $ 255,000 | $ 356,000 |
| Beckley, WV | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Chambersburg-Waynesboro, PA | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Dayton, OH | 1 | $ 175,000 | $ 175,000 | $ 190,000 |
| Fort Smith, AR-OK | 1 | $ 55,000 | $ 55,000 | $ 64,000 |
| Goldsboro, NC | 1 | $ 105,000 | $ 105,000 | $ 95,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 35,000 | $ 35,000 | $ 14,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 45,000 | $ 45,000 | $ 128,000 |
| Jacksonville, FL | 1 | $ 85,000 | $ 85,000 | $ 358,000 |
| Kalamazoo-Portage, MI | 1 | $ 35,000 | $ 35,000 | $ 0 |
| Lake Havasu City-Kingman, AZ | 1 | $ 25,000 | $ 25,000 | $ 175,000 |
| Lakeland-Winter Haven, FL | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Memphis, TN-MS-AR | 1 | $ 45,000 | $ 45,000 | $ 142,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 325,000 | $ 325,000 | $ 150,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 1 | $ 105,000 | $ 105,000 | $ 134,000 |
| Mount Vernon-Anacortes, WA | 1 | $ 225,000 | $ 225,000 | $ 66,000 |
| Ogden-Clearfield, UT | 1 | $ 75,000 | $ 75,000 | $ 154,000 |
| Parkersburg-Vienna, WV | 1 | $ 155,000 | $ 155,000 | $ 715,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 25,000 | $ 25,000 | $ 224,000 |
| Pittsburgh, PA | 1 | $ 65,000 | $ 65,000 | $ 57,000 |
| Punta Gorda, FL | 1 | $ 155,000 | $ 155,000 | $ 88,000 |
| Rapid City, SD | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 1 | $ 75,000 | $ 75,000 | $ 192,000 |
| San Diego-Carlsbad, CA | 1 | $ 25,000 | $ 25,000 | $ 82,000 |
| San Francisco-Redwood City-South San Francisco, CA | 1 | $ 205,000 | $ 205,000 | $ 183,000 |
| San German-Cabo Rojo, PR | 1 | $ 15,000 | $ 15,000 | $ 12,000 |
| San Rafael, CA | 1 | $ 1,005,000 | $ 1,005,000 | $ 128,000 |
| Scranton--Wilkes-Barre--Hazleton, PA | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 265,000 | $ 265,000 | $ 86,000 |
| Sebastian-Vero Beach, FL | 1 | $ 455,000 | $ 455,000 | $ 1,000,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Syracuse, NY | 1 | $ 35,000 | $ 35,000 | $ 99,000 |
Mortgage Loan Application Detail Totals for Usalliance Federal Credit Union in 2018
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 | 843 | $252,645,000 | $299,000 | $3,225,000 | $262,000 | $3,675,000 |
| Home Improvement | 434 | $59,050,000 | $136,000 | $4,705,000 | $183,000 | $1,894,000 |
| Cash-out Refinancing | 390 | $110,580,000 | $283,000 | $1,805,000 | $222,000 | $3,070,000 |
| Refinancing | 206 | $81,840,000 | $397,000 | $5,305,000 | $299,000 | $3,826,000 |
| Other Purpose | 104 | $10,620,000 | $102,000 | $505,000 | $154,000 | $816,000 |
| 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 | 1,267 | $359,175,000 | $283,000 | $5,305,000 | $251,000 | $3,675,000 |
| Not Provided | 366 | $67,670,000 | $184,000 | $2,845,000 | $214,000 | $3,826,000 |
| Hispanic | 130 | $30,180,000 | $232,000 | $1,405,000 | $195,000 | $1,460,000 |
| Black or African American | 106 | $23,740,000 | $223,000 | $2,475,000 | $150,000 | $865,000 |
| Asian | 85 | $27,595,000 | $324,000 | $1,555,000 | $261,000 | $2,045,000 |
| American Indian or Alaskan Native | 6 | $2,470,000 | $411,000 | $1,365,000 | $171,000 | $265,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $485,000 | $161,000 | $245,000 | $219,000 | $287,000 |
| 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) | 1,977 | $514,735,000 | $260,000 | $5,305,000 | $235,000 | $3,826,000 |
| 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 | 1,136 | $304,530,000 | $268,000 | $3,225,000 | $263,000 | $3,826,000 |
| Application Denied By Financial Institution | 429 | $105,625,000 | $246,000 | $5,305,000 | $175,000 | $3,067,000 |
| Application Withdrawn By Applicant | 274 | $81,990,000 | $299,000 | $2,005,000 | $223,000 | $1,440,000 |
| File Closed For Incompleteness | 109 | $18,545,000 | $170,000 | $1,195,000 | $193,000 | $1,433,000 |
| Application Approved But Not Accepted | 29 | $4,045,000 | $139,000 | $745,000 | $242,000 | $954,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 976 | $393,830,000 | $403,000 | $5,305,000 | $228,000 | $3,826,000 |
| Not applicable | 863 | $103,765,000 | $120,000 | $1,005,000 | $246,000 | $3,070,000 |
| Collateral | 60 | $7,770,000 | $129,000 | $505,000 | $218,000 | $979,000 |
| Credit History | 48 | $4,830,000 | $100,000 | $505,000 | $181,000 | $649,000 |
| Other | 17 | $2,745,000 | $161,000 | $505,000 | $242,000 | $685,000 |
| Employment History | 5 | $535,000 | $107,000 | $155,000 | $127,000 | $268,000 |
| Unverifiable Information | 3 | $735,000 | $245,000 | $455,000 | $518,000 | $1,000,000 |
| Credit Application Incomplete | 3 | $355,000 | $118,000 | $185,000 | $230,000 | $483,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $170,000 | $85,000 | $85,000 | $319,000 | $371,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Usalliance Federal Credit Union's 2018 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.
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