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.
| 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 | 217 | $ 82,885,000 | $ 354,500 | $ 279,500 |
| NEWARK, NJ-PA | 92 | $ 29,430,000 | $ 198,500 | $ 130,000 |
| NEW YORK-NEWARK, NY | 70 | $ 25,010,000 | $ 309,000 | $ 229,000 |
| CHICAGO-NAPERVILLE, IL | 66 | $ 27,600,000 | $ 418,000 | $ 370,000 |
| CAMBRIDGE-NEWTON-FRAMINGHAM, MA | 64 | $ 29,840,000 | $ 466,000 | $ 315,000 |
| NA (OUTSIDE OF MSA/MD) | 62 | $ 11,040,000 | $ 186,518 | $ 208,148 |
| NASSAU COUNTY-SUFFOLK COUNTY, NY | 56 | $ 20,290,000 | $ 362,000 | $ 351,000 |
| BRIDGEPORT-STAMFORD-NORWALK, CT | 55 | $ 21,995,000 | $ 399,000 | $ 307,000 |
| LOS ANGELES-LONG BEACH-GLENDALE, CA | 53 | $ 14,495,000 | $ 273,000 | $ 307,000 |
| BOSTON, MA | 51 | $ 20,735,000 | $ 406,000 | $ 281,000 |
| ATLANTA-SANDY SPRINGS-ROSWELL, GA | 48 | $ 10,000,000 | $ 208,000 | $ 220,000 |
| SAN DIEGO-CARLSBAD, CA | 40 | $ 11,790,000 | $ 294,000 | $ 246,000 |
| BALTIMORE-COLUMBIA-TOWSON, MD | 28 | $ 6,820,000 | $ 243,000 | $ 260,000 |
| WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV | 28 | $ 6,610,000 | $ 216,000 | $ 225,000 |
| MONTGOMERY COUNTY-BUCKS COUNTY-CHESTER COUNTY, PA | 27 | $ 8,655,000 | $ 320,000 | $ 280,000 |
| PHOENIX-MESA-SCOTTSDALE, AZ | 26 | $ 14,990,000 | $ 576,000 | $ 364,000 |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI | 21 | $ 4,495,000 | $ 209,500 | $ 161,500 |
| SEATTLE-BELLEVUE-EVERETT, WA | 19 | $ 5,915,000 | $ 311,000 | $ 267,000 |
| FORT LAUDERDALE-POMPANO BEACH-DEERFIELD BEACH, FL | 18 | $ 7,870,000 | $ 437,000 | $ 486,000 |
| OAKLAND-HAYWARD-BERKELEY, CA | 18 | $ 5,800,000 | $ 322,000 | $ 341,000 |
| ORLANDO-KISSIMMEE-SANFORD, FL | 18 | $ 4,900,000 | $ 272,000 | $ 244,000 |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA | 18 | $ 3,830,000 | $ 212,000 | $ 196,000 |
| SACRAMENTO--ROSEVILLE--ARDEN-ARCADE, CA | 18 | $ 4,340,000 | $ 241,000 | $ 199,000 |
| WEST PALM BEACH-BOCA RATON-DELRAY BEACH, FL | 18 | $ 6,060,000 | $ 336,000 | $ 291,000 |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC | 17 | $ 3,155,000 | $ 194,500 | $ 168,000 |
| NEW HAVEN-MILFORD, CT | 16 | $ 1,860,000 | $ 116,000 | $ 162,000 |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL | 14 | $ 2,380,000 | $ 170,000 | $ 195,000 |
| WASHINGTON-BALTIMORE-ARLINGTON, DC | 13 | $ 3,095,000 | $ 238,000 | $ 238,000 |
| CAMDEN, NJ | 12 | $ 1,890,000 | $ 157,000 | $ 183,000 |
| COLUMBUS, OH | 12 | $ 3,060,000 | $ 255,000 | $ 237,000 |
| DENVER-AURORA-LAKEWOOD, CO | 12 | $ 2,010,000 | $ 167,000 | $ 190,000 |
| PROVIDENCE-WARWICK, RI-MA | 12 | $ 2,180,000 | $ 166,000 | $ 170,500 |
| MIAMI-MIAMI BEACH-KENDALL, FL | 10 | $ 4,810,000 | $ 481,000 | $ 295,000 |
| HARTFORD-WEST HARTFORD-EAST HARTFORD, CT | 9 | $ 3,325,000 | $ 369,000 | $ 250,000 |
| JACKSONVILLE, FL | 9 | $ 3,015,000 | $ 335,000 | $ 305,000 |
| SAN FRANCISCO-REDWOOD CITY-SOUTH SAN FRANCISCO, CA | 9 | $ 2,705,000 | $ 300,000 | $ 345,000 |
| TRENTON, NJ | 9 | $ 2,455,000 | $ 272,000 | $ 232,000 |
| BARNSTABLE TOWN, MA | 8 | $ 5,330,000 | $ 666,000 | $ 743,000 |
| NORTH PORT-SARASOTA-BRADENTON, FL | 8 | $ 4,060,000 | $ 507,000 | $ 319,000 |
| PHILADELPHIA, PA | 8 | $ 1,910,000 | $ 238,000 | $ 283,000 |
| RALEIGH, NC | 8 | $ 1,520,000 | $ 190,000 | $ 245,000 |
| ANAHEIM-SANTA ANA-IRVINE, CA | 7 | $ 1,625,000 | $ 232,000 | $ 278,000 |
| CLEVELAND-ELYRIA, OH | 7 | $ 1,315,000 | $ 187,000 | $ 196,000 |
| INDIANAPOLIS-CARMEL-ANDERSON, IN | 7 | $ 1,135,000 | $ 162,000 | $ 203,000 |
| KINGSTON, NY | 7 | $ 835,000 | $ 119,000 | $ 162,000 |
| NAPLES-IMMOKALEE-MARCO ISLAND, FL | 7 | $ 4,275,000 | $ 610,000 | $ 304,000 |
| NORWICH-NEW LONDON, CT | 7 | $ 2,705,000 | $ 386,000 | $ 269,000 |
| PITTSBURGH, PA | 7 | $ 1,125,000 | $ 160,000 | $ 197,000 |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA | 7 | $ 1,845,000 | $ 263,000 | $ 298,000 |
| RICHMOND, VA | 7 | $ 1,235,000 | $ 176,000 | $ 222,000 |
| ROCKINGHAM COUNTY-STRAFFORD COUNTY, NH | 7 | $ 1,055,000 | $ 150,000 | $ 191,000 |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA | 7 | $ 1,765,000 | $ 252,000 | $ 281,000 |
| LAKE COUNTY-KENOSHA COUNTY, IL-WI | 6 | $ 2,150,000 | $ 257,000 | $ 199,000 |
| WARREN-TROY-FARMINGTON HILLS, MI | 6 | $ 1,160,000 | $ 193,000 | $ 242,000 |
| HILTON HEAD ISLAND-BLUFFTON-BEAUFORT, SC | 5 | $ 3,855,000 | $ 771,000 | $ 441,000 |
| MANCHESTER-NASHUA, NH | 5 | $ 1,745,000 | $ 349,000 | $ 251,000 |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN | 5 | $ 1,445,000 | $ 289,000 | $ 284,000 |
| NEW ORLEANS-METAIRIE, LA | 5 | $ 345,000 | $ 69,000 | $ 244,000 |
| REDDING, CA | 5 | $ 1,325,000 | $ 265,000 | $ 432,000 |
| SAN RAFAEL, CA | 5 | $ 1,735,000 | $ 347,000 | $ 335,000 |
| WORCESTER, MA-CT | 5 | $ 1,095,000 | $ 219,000 | $ 257,000 |
| KANSAS CITY, MO-KS | 4 | $ 880,000 | $ 220,000 | $ 189,000 |
| MILWAUKEE-WAUKESHA-WEST ALLIS, WI | 4 | $ 710,000 | $ 177,000 | $ 214,000 |
| OKLAHOMA CITY, OK | 4 | $ 490,000 | $ 122,000 | $ 189,000 |
| OXNARD-THOUSAND OAKS-VENTURA, CA | 4 | $ 880,000 | $ 220,000 | $ 298,000 |
| ASHEVILLE, NC | 3 | $ 815,000 | $ 271,000 | $ 251,000 |
| ATLANTIC CITY-HAMMONTON, NJ | 3 | $ 865,000 | $ 288,000 | $ 231,000 |
| BIRMINGHAM-HOOVER, AL | 3 | $ 585,000 | $ 195,000 | $ 289,000 |
| BREMERTON-SILVERDALE, WA | 3 | $ 1,055,000 | $ 351,000 | $ 263,000 |
| CINCINNATI, OH-KY-IN | 3 | $ 625,000 | $ 208,000 | $ 217,000 |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL | 3 | $ 1,605,000 | $ 535,000 | $ 373,000 |
| DAYTON-SPRINGFIELD-KETTERING, OH | 3 | $ 305,000 | $ 101,000 | $ 119,000 |
| EAST STROUDSBURG, PA | 3 | $ 345,000 | $ 115,000 | $ 135,000 |
| GREENSBORO-HIGH POINT, NC | 3 | $ 505,000 | $ 168,000 | $ 151,000 |
| GREENVILLE-ANDERSON-MAULDIN, SC | 3 | $ 445,000 | $ 148,000 | $ 132,000 |
| LAKELAND-WINTER HAVEN, FL | 3 | $ 275,000 | $ 91,000 | $ 135,000 |
| LAS VEGAS-HENDERSON-PARADISE, NV | 3 | $ 565,000 | $ 188,000 | $ 135,000 |
| OCEAN CITY, NJ | 3 | $ 1,475,000 | $ 491,000 | $ 382,000 |
| PORT ST. LUCIE, FL | 3 | $ 245,000 | $ 81,000 | $ 88,000 |
| TACOMA-LAKEWOOD, WA | 3 | $ 425,000 | $ 141,000 | $ 168,000 |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC | 3 | $ 165,000 | $ 55,000 | $ 102,000 |
| WILMINGTON, DE-MD-NJ | 3 | $ 225,000 | $ 75,000 | $ 235,000 |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ | 2 | $ 270,000 | $ 135,000 | $ 219,500 |
| ATHENS-CLARKE COUNTY, GA | 2 | $ 460,000 | $ 230,000 | $ 233,000 |
| BATON ROUGE, LA | 2 | $ 480,000 | $ 240,000 | $ 326,000 |
| BUFFALO-CHEEKTOWAGA-NIAGARA FALLS, NY | 2 | $ 510,000 | $ 255,000 | $ 349,000 |
| CHARLESTON-NORTH CHARLESTON, SC | 2 | $ 1,250,000 | $ 625,000 | $ 326,000 |
| CHARLOTTESVILLE, VA | 2 | $ 220,000 | $ 110,000 | $ 122,000 |
| CHATTANOOGA, TN-GA | 2 | $ 210,000 | $ 105,000 | $ 145,000 |
| COLORADO SPRINGS, CO | 2 | $ 550,000 | $ 275,000 | $ 425,000 |
| COLUMBIA, SC | 2 | $ 130,000 | $ 65,000 | $ 95,000 |
| DOVER, DE | 2 | $ 110,000 | $ 55,000 | $ 87,000 |
| DURHAM-CHAPEL HILL, NC | 2 | $ 460,000 | $ 230,000 | $ 171,000 |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR-MO | 2 | $ 240,000 | $ 120,000 | $ 393,000 |
| FORT WAYNE, IN | 2 | $ 150,000 | $ 75,000 | $ 197,000 |
| HUNTSVILLE, AL | 2 | $ 100,000 | $ 50,000 | $ 151,000 |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN | 2 | $ 340,000 | $ 170,000 | $ 717,000 |
| MEMPHIS, TN-MS-AR | 2 | $ 170,000 | $ 85,000 | $ 113,000 |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC | 2 | $ 1,200,000 | $ 600,000 | $ 311,500 |
| OMAHA-COUNCIL BLUFFS, NE-IA | 2 | $ 430,000 | $ 215,000 | $ 232,000 |
| PORTLAND-SOUTH PORTLAND, ME | 2 | $ 410,000 | $ 205,000 | $ 184,000 |
| PUNTA GORDA, FL | 2 | $ 610,000 | $ 305,000 | $ 127,000 |
| SALISBURY, MD-DE | 2 | $ 150,000 | $ 75,000 | $ 88,000 |
| SALT LAKE CITY, UT | 2 | $ 170,000 | $ 85,000 | $ 102,000 |
| SANTA ROSA, CA | 2 | $ 830,000 | $ 415,000 | $ 408,000 |
| SAVANNAH, GA | 2 | $ 690,000 | $ 345,000 | $ 308,000 |
| SPRINGFIELD, MA | 2 | $ 220,000 | $ 110,000 | $ 90,000 |
| SPRINGFIELD, OH | 2 | $ 330,000 | $ 165,000 | $ 142,000 |
| STOCKTON-LODI, CA | 2 | $ 550,000 | $ 275,000 | $ 196,000 |
| TOLEDO, OH | 2 | $ 260,000 | $ 130,000 | $ 89,000 |
| TUCSON, AZ | 2 | $ 140,000 | $ 70,000 | $ 99,000 |
| TULSA, OK | 2 | $ 160,000 | $ 80,000 | $ 121,000 |
| VALLEJO-FAIRFIELD, CA | 2 | $ 350,000 | $ 175,000 | $ 229,000 |
| WICHITA, KS | 2 | $ 330,000 | $ 165,000 | $ 113,000 |
| AKRON, OH | 1 | $ 275,000 | $ 275,000 | $ 509,000 |
| ALBANY-SCHENECTADY-TROY, NY | 1 | $ 75,000 | $ 75,000 | $ 61,000 |
| AUBURN-OPELIKA, AL | 1 | $ 55,000 | $ 55,000 | $ 144,000 |
| BAKERSFIELD, CA | 1 | $ 55,000 | $ 55,000 | $ 83,000 |
| BANGOR, ME | 1 | $ 85,000 | $ 85,000 | $ 127,000 |
| BATTLE CREEK, MI | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| BEND-REDMOND, OR | 1 | $ 505,000 | $ 505,000 | $ 971,000 |
| BURLINGTON, NC | 1 | $ 315,000 | $ 315,000 | $ 232,000 |
| CALIFORNIA-LEXINGTON PARK, MD | 1 | $ 95,000 | $ 95,000 | $ 136,000 |
| CAPE CORAL-FORT MYERS, FL | 1 | $ 165,000 | $ 165,000 | $ 52,000 |
| CASPER, WY | 1 | $ 65,000 | $ 65,000 | $ 126,000 |
| CEDAR RAPIDS, IA | 1 | $ 65,000 | $ 65,000 | $ 117,000 |
| CHEYENNE, WY | 1 | $ 135,000 | $ 135,000 | $ 125,000 |
| CHICO, CA | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| COLUMBUS, GA-AL | 1 | $ 85,000 | $ 85,000 | $ 45,000 |
| DAPHNE-FAIRHOPE-FOLEY, AL | 1 | $ 305,000 | $ 305,000 | $ 165,000 |
| DECATUR, AL | 1 | $ 115,000 | $ 115,000 | $ 184,000 |
| DES MOINES-WEST DES MOINES, IA | 1 | $ 185,000 | $ 185,000 | $ 177,000 |
| ELGIN, IL | 1 | $ 165,000 | $ 165,000 | $ 191,000 |
| EUGENE, OR | 1 | $ 125,000 | $ 125,000 | $ 155,000 |
| FOND DU LAC, WI | 1 | $ 365,000 | $ 365,000 | $ 552,000 |
| FRESNO, CA | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| GAINESVILLE, FL | 1 | $ 55,000 | $ 55,000 | $ 74,000 |
| GREENVILLE, NC | 1 | $ 245,000 | $ 245,000 | $ 264,000 |
| HAMMOND, LA | 1 | $ 55,000 | $ 55,000 | $ 71,000 |
| HANFORD-CORCORAN, CA | 1 | $ 325,000 | $ 325,000 | $ 320,000 |
| HARRISBURG-CARLISLE, PA | 1 | $ 125,000 | $ 125,000 | $ 166,000 |
| HICKORY-LENOIR-MORGANTON, NC | 1 | $ 405,000 | $ 405,000 | $ 164,000 |
| HINESVILLE, GA | 1 | $ 195,000 | $ 195,000 | $ 90,000 |
| HOMOSASSA SPRINGS, FL | 1 | $ 65,000 | $ 65,000 | $ 69,000 |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX | 1 | $ 35,000 | $ 35,000 | $ 52,000 |
| IDAHO FALLS, ID | 1 | $ 165,000 | $ 165,000 | $ 133,000 |
| JACKSONVILLE, NC | 1 | $ 95,000 | $ 95,000 | $ 162,000 |
| JOHNSON CITY, TN | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| JOPLIN, MO | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| KNOXVILLE, TN | 1 | $ 255,000 | $ 255,000 | $ 210,000 |
| LAFAYETTE-WEST LAFAYETTE, IN | 1 | $ 115,000 | $ 115,000 | $ 149,000 |
| LANCASTER, PA | 1 | $ 95,000 | $ 95,000 | $ 123,000 |
| LEXINGTON-FAYETTE, KY | 1 | $ 85,000 | $ 85,000 | $ 280,000 |
| MACON-BIBB COUNTY, GA | 1 | $ 125,000 | $ 125,000 | $ 24,000 |
| MORRISTOWN, TN | 1 | $ 55,000 | $ 55,000 | $ 107,000 |
| NAPA, CA | 1 | $ 305,000 | $ 305,000 | $ 443,000 |
| OSHKOSH-NEENAH, WI | 1 | $ 155,000 | $ 155,000 | $ 176,000 |
| PEORIA, IL | 1 | $ 45,000 | $ 45,000 | $ 121,000 |
| PITTSFIELD, MA | 1 | $ 165,000 | $ 165,000 | $ 189,000 |
| ROCHESTER, NY | 1 | $ 65,000 | $ 65,000 | $ 95,000 |
| ROCKFORD, IL | 1 | $ 95,000 | $ 95,000 | $ 111,000 |
| SANTA CRUZ-WATSONVILLE, CA | 1 | $ 505,000 | $ 505,000 | $ 304,000 |
| SANTA MARIA-SANTA BARBARA, CA | 1 | $ 195,000 | $ 195,000 | $ 153,000 |
| SCRANTON--WILKES-BARRE--HAZLETON, PA | 1 | $ 35,000 | $ 35,000 | $ 114,000 |
| SEBASTIAN-VERO BEACH, FL | 1 | $ 285,000 | $ 285,000 | $ 195,000 |
| SPRINGFIELD, MO | 1 | $ 255,000 | $ 255,000 | $ 133,000 |
| STATE COLLEGE, PA | 1 | $ 205,000 | $ 205,000 | $ 178,000 |
| SYRACUSE, NY | 1 | $ 85,000 | $ 85,000 | $ 200,000 |
| VISALIA-PORTERVILLE, CA | 1 | $ 155,000 | $ 155,000 | $ 287,000 |
| WARNER ROBINS, GA | 1 | $ 115,000 | $ 115,000 | $ 124,000 |
| WILMINGTON, NC | 1 | $ 125,000 | $ 125,000 | $ 200,000 |
| WINCHESTER, VA-WV | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| WINSTON-SALEM, NC | 1 | $ 125,000 | $ 125,000 | $ 124,000 |
| YORK-HANOVER, PA | 1 | $ 75,000 | $ 75,000 | $ 198,000 |
| YOUNGSTOWN-WARREN-BOARDMAN, OH-PA | 1 | $ 75,000 | $ 75,000 | $ 121,000 |
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.