Usalliance Federal Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Usalliance Federal Credit Union 2018 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 | 1,977 |
| Total Mortgage Loan Application Amount | $514,735,000 |
| Average Mortgage Loan Application Amount | $243,400 |
| Highest Mortgage Loan Application Amount | $5,305,000 |
| Average Applicant Income | $224,000 |
| Highest Applicant Income | $3,826,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | $ 289,000 | $ 237,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 289 | $ 51,545,000 | $ 178,000 | $ 193,000 |
| BOSTON, MA | 192 | $ 42,470,000 | $ 221,000 | $ 220,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 175 | $ 75,895,000 | $ 433,000 | $ 317,000 |
| NEWARK, NJ-PA | 104 | $ 32,530,000 | $ 312,000 | $ 243,000 |
| NA (OUTSIDE OF MSA/MD) | 89 | $ 10,445,000 | $ 153,538 | $ 151,769 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 87 | $ 43,915,000 | $ 504,000 | $ 451,000 |
| WORCESTER, MA-CT | 33 | $ 3,595,000 | $ 108,000 | $ 190,000 |
| DUTCHESS COUNTY-PUTNAM COUNTY, NY | 27 | $ 6,655,000 | $ 246,000 | $ 234,000 |
| KINGSTON, NY | 20 | $ 1,820,000 | $ 91,000 | $ 91,000 |
| NEW HAVEN-MILFORD, CT | 20 | $ 2,750,000 | $ 137,000 | $ 201,000 |
| PROVIDENCE-WARWICK, RI-MA | 20 | $ 2,060,000 | $ 101,500 | $ 181,500 |
| CHICAGO-NAPERVILLE-ARLINGTON HEIGHTS, IL | 18 | $ 3,180,000 | $ 176,000 | $ 167,000 |
| BARNSTABLE TOWN, MA | 15 | $ 5,035,000 | $ 335,000 | $ 418,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 14 | $ 2,330,000 | $ 166,000 | $ 163,000 |
| MANCHESTER-NASHUA, NH | 14 | $ 1,630,000 | $ 116,000 | $ 187,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 13 | $ 3,865,000 | $ 297,000 | $ 456,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 12 | $ 2,270,000 | $ 189,000 | $ 295,000 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 11 | $ 5,455,000 | $ 495,000 | $ 441,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 11 | $ 1,875,000 | $ 170,000 | $ 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 | $ 206,000 | $ 239,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 7 | $ 515,000 | $ 73,000 | $ 85,000 |
| PORTLAND-SOUTH PORTLAND, ME | 6 | $ 440,000 | $ 73,000 | $ 188,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 6 | $ 1,010,000 | $ 195,000 | $ 282,000 |
| 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 | $ 183,000 | $ 96,500 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 4 | $ 870,000 | $ 217,000 | $ 278,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 4 | $ 1,230,000 | $ 307,000 | $ 174,000 |
| RALEIGH, NC | 4 | $ 230,000 | $ 57,000 | $ 132,000 |
| SALISBURY, MD-DE | 4 | $ 680,000 | $ 191,500 | $ 75,500 |
| ALBANY-SCHENECTADY-TROY, NY | 3 | $ 405,000 | $ 135,000 | $ 196,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 3 | $ 365,000 | $ 121,000 | $ 201,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 3 | $ 1,125,000 | $ 375,000 | $ 100,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 3 | $ 545,000 | $ 181,000 | $ 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.
For a list of all lenders in New York, download the full spreadsheet
with aggregated HMDA statistics today.