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records Usalliance Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| 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 | 201 | $ 109,285,000 | $ 543,706 | $ 354,597 |
| Outside any metro area | 78 | $ 16,980,000 | $ 217,692 | $ 270,389 |
| Chicago-Naperville, IL | 70 | $ 21,000,000 | $ 300,000 | $ 290,000 |
| Cambridge-Newton-Framingham, MA | 53 | $ 22,625,000 | $ 426,886 | $ 291,000 |
| Newark, NJ-PA | 53 | $ 22,725,000 | $ 428,773 | $ 397,000 |
| Los Angeles-Long Beach-Glendale, CA | 51 | $ 15,765,000 | $ 309,117 | $ 299,000 |
| Lakewood-New Brunswick, NJ | 47 | $ 15,785,000 | $ 335,851 | $ 313,000 |
| Bridgeport-Stamford-Norwalk, CT | 40 | $ 14,370,000 | $ 359,250 | $ 334,000 |
| San Diego-Carlsbad, CA | 35 | $ 11,435,000 | $ 326,714 | $ 277,000 |
| Atlanta-Sandy Springs-Roswell, GA | 32 | $ 5,210,000 | $ 162,812 | $ 169,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 29 | $ 7,165,000 | $ 247,068 | $ 230,000 |
| Boston, MA | 28 | $ 15,860,000 | $ 566,428 | $ 440,000 |
| Nassau County-Suffolk County, NY | 28 | $ 17,180,000 | $ 613,571 | $ 462,000 |
| Arlington-Alexandria-Reston, VA-WV | 27 | $ 5,805,000 | $ 215,000 | $ 249,000 |
| Oakland-Hayward-Berkeley, CA | 27 | $ 9,235,000 | $ 342,037 | $ 339,000 |
| Charlotte-Concord-Gastonia, NC-SC | 23 | $ 5,935,000 | $ 258,043 | $ 253,130 |
| Montgomery County-Bucks County-Chester County, PA | 21 | $ 6,465,000 | $ 307,857 | $ 276,000 |
| San Francisco-Redwood City-South San Francisco, CA | 21 | $ 7,795,000 | $ 371,190 | $ 372,000 |
| Washington, DC-MD | 21 | $ 4,325,000 | $ 205,952 | $ 234,714 |
| Seattle-Bellevue-Everett, WA | 20 | $ 7,490,000 | $ 374,500 | $ 322,000 |
| Washington-Baltimore-Arlington, DC | 18 | $ 4,920,000 | $ 273,333 | $ 267,000 |
| Baltimore-Columbia-Towson, MD | 17 | $ 3,545,000 | $ 208,529 | $ 204,000 |
| Orlando-Kissimmee-Sanford, FL | 17 | $ 2,945,000 | $ 173,235 | $ 157,000 |
| Marietta, GA | 16 | $ 3,140,000 | $ 196,250 | $ 246,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 15 | $ 3,475,000 | $ 231,666 | $ 259,000 |
| Riverside-San Bernardino-Ontario, CA | 15 | $ 4,995,000 | $ 333,000 | $ 273,000 |
| Anaheim-Santa Ana-Irvine, CA | 13 | $ 5,665,000 | $ 435,769 | $ 438,000 |
| Camden, NJ | 12 | $ 2,370,000 | $ 197,500 | $ 150,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 3,500,000 | $ 291,666 | $ 267,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 11 | $ 1,975,000 | $ 179,545 | $ 208,545 |
| Richmond, VA | 11 | $ 1,995,000 | $ 181,363 | $ 201,000 |
| Tampa, FL | 11 | $ 3,565,000 | $ 324,090 | $ 307,000 |
| New Haven-Milford, CT | 10 | $ 2,100,000 | $ 210,000 | $ 194,000 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 9 | $ 3,105,000 | $ 345,000 | $ 279,000 |
| Pittsburgh, PA | 9 | $ 1,565,000 | $ 173,888 | $ 228,000 |
| Providence-Warwick, RI-MA | 9 | $ 1,085,000 | $ 120,555 | $ 157,111 |
| Cincinnati, OH-KY-IN | 8 | $ 1,500,000 | $ 187,500 | $ 225,750 |
| Indianapolis-Carmel-Anderson, IN | 8 | $ 1,430,000 | $ 178,750 | $ 218,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 8 | $ 1,650,000 | $ 206,250 | $ 252,000 |
| Philadelphia, PA | 8 | $ 3,270,000 | $ 408,750 | $ 390,000 |
| Raleigh, NC | 8 | $ 1,150,000 | $ 143,750 | $ 155,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 8 | $ 3,030,000 | $ 378,750 | $ 293,000 |
| St. Petersburg-Clearwater-Largo, FL | 8 | $ 1,480,000 | $ 185,000 | $ 209,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 1,630,000 | $ 203,750 | $ 294,625 |
| Bend-Redmond, OR | 7 | $ 1,915,000 | $ 273,571 | $ 280,000 |
| Columbus, OH | 7 | $ 1,585,000 | $ 226,428 | $ 248,000 |
| Phoenix-Mesa-Scottsdale, AZ | 7 | $ 2,585,000 | $ 369,285 | $ 221,000 |
| Trenton, NJ | 7 | $ 3,335,000 | $ 476,428 | $ 289,000 |
| Warren-Troy-Farmington Hills, MI | 7 | $ 1,495,000 | $ 213,571 | $ 294,000 |
| Atlantic City-Hammonton, NJ | 6 | $ 2,460,000 | $ 410,000 | $ 277,000 |
| Denver-Aurora-Lakewood, CO | 6 | $ 2,370,000 | $ 395,000 | $ 321,000 |
| Kingston, NY | 6 | $ 580,000 | $ 96,666 | $ 104,000 |
| St. Louis, MO-IL | 6 | $ 1,210,000 | $ 201,666 | $ 195,000 |
| Tacoma-Lakewood, WA | 6 | $ 1,040,000 | $ 173,333 | $ 223,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 6 | $ 2,380,000 | $ 396,666 | $ 291,000 |
| Cleveland, OH | 5 | $ 615,000 | $ 123,000 | $ 255,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 5 | $ 845,000 | $ 169,000 | $ 173,000 |
| Hartford-West Hartford-East Hartford, CT | 5 | $ 1,375,000 | $ 275,000 | $ 259,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 5 | $ 1,815,000 | $ 363,000 | $ 345,000 |
| Akron, OH | 4 | $ 430,000 | $ 107,500 | $ 215,000 |
| Bakersfield, CA | 4 | $ 580,000 | $ 145,000 | $ 225,000 |
| Baton Rouge, LA | 4 | $ 490,000 | $ 122,500 | $ 187,000 |
| Bremerton-Silverdale, WA | 4 | $ 1,420,000 | $ 355,000 | $ 462,000 |
| Lake County-Kenosha County, IL-WI | 4 | $ 800,000 | $ 200,000 | $ 330,000 |
| Manchester-Nashua, NH | 4 | $ 920,000 | $ 230,000 | $ 226,000 |
| North Port-Sarasota-Bradenton, FL | 4 | $ 690,000 | $ 172,500 | $ 145,000 |
| Pensacola-Ferry Pass-Brent, FL | 4 | $ 980,000 | $ 245,000 | $ 104,000 |
| San Rafael, CA | 4 | $ 950,000 | $ 237,500 | $ 415,000 |
| Santa Rosa, CA | 4 | $ 840,000 | $ 210,000 | $ 224,000 |
| Wilmington, NC | 4 | $ 770,000 | $ 192,500 | $ 388,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 355,000 | $ 118,333 | $ 113,333 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,675,000 | $ 558,333 | $ 405,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 295,000 | $ 98,333 | $ 124,000 |
| Durham-Chapel Hill, NC | 3 | $ 625,000 | $ 208,333 | $ 238,000 |
| Harrisburg-Carlisle, PA | 3 | $ 425,000 | $ 141,666 | $ 137,000 |
| Huntsville, AL | 3 | $ 535,000 | $ 178,333 | $ 183,000 |
| Jacksonville, FL | 3 | $ 795,000 | $ 265,000 | $ 199,000 |
| Knoxville, TN | 3 | $ 705,000 | $ 235,000 | $ 358,000 |
| Lakeland-Winter Haven, FL | 3 | $ 165,000 | $ 55,000 | $ 96,000 |
| Lancaster, PA | 3 | $ 365,000 | $ 121,666 | $ 269,000 |
| Lexington-Fayette, KY | 3 | $ 235,000 | $ 78,333 | $ 130,000 |
| Lynchburg, VA | 3 | $ 1,195,000 | $ 398,333 | $ 239,000 |
| Modesto, CA | 3 | $ 255,000 | $ 85,000 | $ 117,000 |
| New Orleans-Metairie, LA | 3 | $ 545,000 | $ 181,666 | $ 282,000 |
| Portland-South Portland, ME | 3 | $ 655,000 | $ 218,333 | $ 152,000 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 3 | $ 815,000 | $ 271,666 | $ 168,000 |
| Santa Cruz-Watsonville, CA | 3 | $ 1,475,000 | $ 491,666 | $ 399,000 |
| Sebastian-Vero Beach, FL | 3 | $ 2,125,000 | $ 708,333 | $ 388,000 |
| Spokane-Spokane Valley, WA | 3 | $ 665,000 | $ 221,666 | $ 236,000 |
| Waterbury-Shelton, CT | 3 | $ 395,000 | $ 131,666 | $ 137,000 |
| Worcester, MA-CT | 3 | $ 1,075,000 | $ 358,333 | $ 244,000 |
| Albuquerque, NM | 2 | $ 620,000 | $ 310,000 | $ 443,000 |
| Barnstable Town, MA | 2 | $ 310,000 | $ 155,000 | $ 181,000 |
| Blacksburg-Christiansburg-Radford, VA | 2 | $ 330,000 | $ 165,000 | $ 220,000 |
| Boulder, CO | 2 | $ 600,000 | $ 300,000 | $ 194,000 |
| Charleston-North Charleston, SC | 2 | $ 360,000 | $ 180,000 | $ 190,000 |
| Chattanooga, TN-GA | 2 | $ 140,000 | $ 70,000 | $ 68,000 |
| Colorado Springs, CO | 2 | $ 420,000 | $ 210,000 | $ 232,000 |
| Columbia, MO | 2 | $ 200,000 | $ 100,000 | $ 142,000 |
| Columbia, SC | 2 | $ 250,000 | $ 125,000 | $ 287,000 |
| Dayton-Springfield-Kettering, OH | 2 | $ 460,000 | $ 230,000 | $ 270,000 |
| Elgin, IL | 2 | $ 300,000 | $ 150,000 | $ 241,000 |
| Florence-Muscle Shoals, AL | 2 | $ 240,000 | $ 120,000 | $ 109,000 |
| Fresno, CA | 2 | $ 190,000 | $ 95,000 | $ 127,000 |
| Hickory-Lenoir-Morganton, NC | 2 | $ 470,000 | $ 235,000 | $ 196,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 2 | $ 160,000 | $ 80,000 | $ 282,000 |
| Kansas City, MO-KS | 2 | $ 620,000 | $ 310,000 | $ 281,500 |
| Lafayette-West Lafayette, IN | 2 | $ 250,000 | $ 125,000 | $ 243,000 |
| Lexington Park, MD | 2 | $ 90,000 | $ 45,000 | $ 241,000 |
| Medford, OR | 2 | $ 240,000 | $ 120,000 | $ 161,000 |
| Palm Bay-Melbourne-Titusville, FL | 2 | $ 570,000 | $ 285,000 | $ 212,000 |
| Salem, OR | 2 | $ 190,000 | $ 95,000 | $ 116,000 |
| Santa Maria-Santa Barbara, CA | 2 | $ 220,000 | $ 110,000 | $ 164,000 |
| Stockton-Lodi, CA | 2 | $ 420,000 | $ 210,000 | $ 193,000 |
| Tallahassee, FL | 2 | $ 130,000 | $ 65,000 | $ 181,000 |
| Toledo, OH | 2 | $ 150,000 | $ 75,000 | $ 159,000 |
| Tulsa, OK | 2 | $ 360,000 | $ 180,000 | $ 166,000 |
| Wilmington, DE-MD-NJ | 2 | $ 160,000 | $ 80,000 | $ 160,000 |
| Winston-Salem, NC | 2 | $ 460,000 | $ 230,000 | $ 206,000 |
| York-Hanover, PA | 2 | $ 170,000 | $ 85,000 | $ 97,000 |
| Albany, OR | 1 | $ 75,000 | $ 75,000 | $ 127,000 |
| Ann Arbor, MI | 1 | $ 515,000 | $ 515,000 | $ 258,000 |
| Augusta-Richmond County, GA-SC | 1 | $ 135,000 | $ 135,000 | $ 339,000 |
| Battle Creek, MI | 1 | $ 115,000 | $ 115,000 | $ 100,000 |
| Bellingham, WA | 1 | $ 115,000 | $ 115,000 | $ 88,000 |
| Billings, MT | 1 | $ 115,000 | $ 115,000 | $ 316,000 |
| Birmingham-Hoover, AL | 1 | $ 355,000 | $ 355,000 | $ 242,000 |
| Boise City, ID | 1 | $ 225,000 | $ 225,000 | $ 180,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 215,000 | $ 215,000 | $ 324,000 |
| Charlottesville, VA | 1 | $ 355,000 | $ 355,000 | $ 332,000 |
| Cheyenne, WY | 1 | $ 175,000 | $ 175,000 | $ 213,000 |
| Chico, CA | 1 | $ 125,000 | $ 125,000 | $ 129,000 |
| Daphne-Fairhope-Foley, AL | 1 | $ 55,000 | $ 55,000 | $ 131,000 |
| Des Moines-West Des Moines, IA | 1 | $ 275,000 | $ 275,000 | $ 215,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 205,000 | $ 205,000 | $ 106,000 |
| Eugene, OR | 1 | $ 215,000 | $ 215,000 | $ 104,000 |
| Everett, WA | 1 | $ 245,000 | $ 245,000 | $ 186,000 |
| Fargo, ND-MN | 1 | $ 75,000 | $ 75,000 | $ 163,000 |
| Fayetteville, NC | 1 | $ 255,000 | $ 255,000 | $ 175,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 1 | $ 45,000 | $ 45,000 | $ 120,000 |
| Gettysburg, PA | 1 | $ 95,000 | $ 95,000 | $ 133,000 |
| Grand Forks, ND-MN | 1 | $ 65,000 | $ 65,000 | $ 275,000 |
| Greensboro-High Point, NC | 1 | $ 185,000 | $ 185,000 | $ 738,000 |
| Greenville-Anderson-Mauldin, SC | 1 | $ 25,000 | $ 25,000 | $ 62,000 |
| Gulfport-Biloxi-Pascagoula, MS | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| Houma-Thibodaux, LA | 1 | $ 65,000 | $ 65,000 | $ 166,000 |
| Jackson, MI | 1 | $ 155,000 | $ 155,000 | $ 255,000 |
| Jackson, MS | 1 | $ 255,000 | $ 255,000 | $ 348,000 |
| Johnson City, TN | 1 | $ 475,000 | $ 475,000 | $ 462,000 |
| Lake County-Porter County-Jasper County, IN | 1 | $ 185,000 | $ 185,000 | $ 83,000 |
| Lansing-East Lansing, MI | 1 | $ 165,000 | $ 165,000 | $ 251,000 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 75,000 | $ 75,000 | $ 84,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 305,000 | $ 305,000 | $ 784,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 75,000 | $ 75,000 | $ 461,000 |
| Memphis, TN-MS-AR | 1 | $ 275,000 | $ 275,000 | $ 251,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 505,000 | $ 505,000 | $ 674,000 |
| Missoula, MT | 1 | $ 315,000 | $ 315,000 | $ 276,000 |
| Mobile, AL | 1 | $ 95,000 | $ 95,000 | $ 108,000 |
| Muskegon, MI | 1 | $ 55,000 | $ 55,000 | $ 294,000 |
| Naples-Immokalee-Marco Island, FL | 1 | $ 1,345,000 | $ 1,345,000 | $ 506,000 |
| Norwich-New London, CT | 1 | $ 105,000 | $ 105,000 | $ 180,000 |
| Oklahoma City, OK | 1 | $ 145,000 | $ 145,000 | $ 175,000 |
| Olympia-Tumwater, WA | 1 | $ 405,000 | $ 405,000 | $ 318,000 |
| Oshkosh-Neenah, WI | 1 | $ 155,000 | $ 155,000 | $ 166,000 |
| Peoria, IL | 1 | $ 45,000 | $ 45,000 | $ 123,000 |
| Pinehurst-Southern Pines, NC | 1 | $ 505,000 | $ 505,000 | $ 192,000 |
| Rapid City, SD | 1 | $ 35,000 | $ 35,000 | $ 44,000 |
| Reading, PA | 1 | $ 55,000 | $ 55,000 | $ 152,000 |
| Redding, CA | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Roanoke, VA | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Rockingham County-Strafford County, NH | 1 | $ 505,000 | $ 505,000 | $ 129,000 |
| Sandusky, OH | 1 | $ 195,000 | $ 195,000 | $ 242,000 |
| Savannah, GA | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
| Sioux Falls, SD | 1 | $ 85,000 | $ 85,000 | $ 144,000 |
| Slidell-Mandeville-Covington, LA | 1 | $ 85,000 | $ 85,000 | $ 141,000 |
| Tucson, AZ | 1 | $ 125,000 | $ 125,000 | $ 174,000 |
| Vallejo-Fairfield, CA | 1 | $ 505,000 | $ 505,000 | $ 345,000 |
| Wenatchee, WA | 1 | $ 505,000 | $ 505,000 | $ 875,000 |
| Wheeling, WV-OH | 1 | $ 125,000 | $ 125,000 | $ 270,000 |
| Yuba City, CA | 1 | $ 95,000 | $ 95,000 | $ 98,000 |
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.
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