United Bank Mortgage Lending & HMDA Data, 2019
In 2019, United Bank of Hartford, CT reported 3,813 mortgage applications totaling $588.3 million, down 40% from 2018. The average application was for $154,291, and applicants reported an average income of $117,707. 39% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Hartford-West Hartford-East Hartford, CT (1,221), Springfield, MA (664) and Bridgeport-Stamford-Norwalk, CT (171) (applications in parentheses).
| Mortgage Company & Address | United Bank 225 Asylum St Hartford, CT 06103 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 3,813 |
| Total Mortgage Loan Application Amount | $588,315,000 |
| Average Mortgage Loan Application Amount | $154,291 |
| Highest Mortgage Loan Application Amount | $13,505,000 |
| Average Applicant Income | $117,707 |
| Highest Applicant Income | $2,827,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Hartford-West Hartford-East Hartford, CT | 1,221 | $ 183,585,000 | $ 150,356 | $ 103,000 |
| Springfield, MA | 664 | $ 81,440,000 | $ 122,650 | $ 88,000 |
| Outside any metro area | 259 | $ 28,225,000 | $ 108,976 | $ 126,597 |
| Bridgeport-Stamford-Norwalk, CT | 171 | $ 36,675,000 | $ 214,473 | $ 238,000 |
| Worcester, MA-CT | 122 | $ 31,320,000 | $ 256,721 | $ 119,704 |
| New Haven-Milford, CT | 119 | $ 18,445,000 | $ 155,000 | $ 142,000 |
| Norwich-New London, CT | 55 | $ 17,715,000 | $ 322,090 | $ 122,000 |
| Providence-Warwick, RI-MA | 51 | $ 10,315,000 | $ 202,254 | $ 231,823 |
| Boston, MA | 44 | $ 9,380,000 | $ 213,181 | $ 171,000 |
| Los Angeles-Long Beach-Glendale, CA | 44 | $ 5,920,000 | $ 134,545 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 40 | $ 3,450,000 | $ 86,250 | $ 0 |
| Cambridge-Newton-Framingham, MA | 39 | $ 6,855,000 | $ 175,769 | $ 140,000 |
| Tampa-St. Petersburg-Clearwater, FL | 38 | $ 4,250,000 | $ 111,842 | $ 128,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 35 | $ 6,365,000 | $ 181,857 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 31 | $ 3,685,000 | $ 118,870 | $ 0 |
| New York-Jersey City-White Plains, NY-NJ | 31 | $ 7,735,000 | $ 249,516 | $ 185,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 30 | $ 2,930,000 | $ 97,666 | $ 0 |
| Sacramento--Roseville--Arden-Arcade, CA | 30 | $ 2,830,000 | $ 94,333 | $ 0 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 30 | $ 12,040,000 | $ 401,333 | $ 222,689 |
| Phoenix-Mesa-Scottsdale, AZ | 25 | $ 2,375,000 | $ 95,000 | $ 0 |
| San Diego-Carlsbad, CA | 25 | $ 4,355,000 | $ 174,200 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 24 | $ 3,730,000 | $ 155,416 | $ 0 |
| Oakland-Hayward-Berkeley, CA | 21 | $ 3,385,000 | $ 161,190 | $ 0 |
| Baltimore-Columbia-Towson, MD | 20 | $ 5,870,000 | $ 293,500 | $ 93,000 |
| Nassau County-Suffolk County, NY | 19 | $ 2,605,000 | $ 137,105 | $ 208,000 |
| Gainesville, FL | 17 | $ 1,845,000 | $ 108,529 | $ 37,000 |
| Panama City, FL | 17 | $ 1,825,000 | $ 107,352 | $ 196,000 |
| Orlando-Kissimmee-Sanford, FL | 16 | $ 2,290,000 | $ 143,125 | $ 105,000 |
| Barnstable Town, MA | 15 | $ 4,715,000 | $ 314,333 | $ 270,000 |
| Jacksonville, FL | 15 | $ 1,845,000 | $ 123,000 | $ 125,000 |
| New York-Newark, NY | 15 | $ 3,715,000 | $ 247,666 | $ 81,000 |
| Seattle-Bellevue-Everett, WA | 14 | $ 1,410,000 | $ 100,714 | $ 0 |
| Chicago-Naperville, IL | 13 | $ 1,995,000 | $ 153,461 | $ 0 |
| Lafayette, LA | 13 | $ 1,005,000 | $ 77,307 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 13 | $ 1,305,000 | $ 100,384 | $ 64,000 |
| Washington-Baltimore-Arlington, DC | 13 | $ 4,465,000 | $ 343,461 | $ 54,000 |
| Miami-Miami Beach-Kendall, FL | 12 | $ 2,220,000 | $ 185,000 | $ 194,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 11 | $ 1,505,000 | $ 136,818 | $ 214,000 |
| Birmingham-Hoover, AL | 10 | $ 1,020,000 | $ 102,000 | $ 0 |
| Denver-Aurora-Lakewood, CO | 10 | $ 2,110,000 | $ 211,000 | $ 0 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 10 | $ 1,460,000 | $ 146,000 | $ 103,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 9 | $ 1,285,000 | $ 142,777 | $ 72,000 |
| Oklahoma City, OK | 9 | $ 995,000 | $ 110,555 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 8 | $ 1,140,000 | $ 142,500 | $ 0 |
| Columbia, SC | 8 | $ 730,000 | $ 91,250 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 8 | $ 1,260,000 | $ 157,500 | $ 0 |
| Lakeland-Winter Haven, FL | 8 | $ 750,000 | $ 93,750 | $ 96,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 1,290,000 | $ 161,250 | $ 0 |
| Charleston-North Charleston, SC | 7 | $ 825,000 | $ 117,857 | $ 0 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 7 | $ 635,000 | $ 90,714 | $ 120,000 |
| Salem, OR | 7 | $ 475,000 | $ 67,857 | $ 0 |
| Baton Rouge, LA | 6 | $ 630,000 | $ 105,000 | $ 0 |
| Cape Coral-Fort Myers, FL | 6 | $ 790,000 | $ 131,666 | $ 313,000 |
| Newark, NJ-PA | 6 | $ 1,380,000 | $ 230,000 | $ 0 |
| Ocala, FL | 6 | $ 570,000 | $ 95,000 | $ 51,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 6 | $ 840,000 | $ 140,000 | $ 0 |
| San Antonio-New Braunfels, TX | 6 | $ 580,000 | $ 96,666 | $ 0 |
| Santa Maria-Santa Barbara, CA | 6 | $ 960,000 | $ 160,000 | $ 0 |
| Santa Rosa, CA | 6 | $ 740,000 | $ 123,333 | $ 0 |
| Lake Charles, LA | 5 | $ 275,000 | $ 55,000 | $ 0 |
| Modesto, CA | 5 | $ 335,000 | $ 67,000 | $ 0 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 635,000 | $ 127,000 | $ 145,000 |
| Palm Bay-Melbourne-Titusville, FL | 5 | $ 495,000 | $ 99,000 | $ 70,000 |
| Pensacola-Ferry Pass-Brent, FL | 5 | $ 605,000 | $ 121,000 | $ 0 |
| San Rafael, CA | 5 | $ 1,175,000 | $ 235,000 | $ 0 |
| Tallahassee, FL | 5 | $ 865,000 | $ 173,000 | $ 0 |
| Vallejo-Fairfield, CA | 5 | $ 865,000 | $ 173,000 | $ 0 |
| Winston-Salem, NC | 5 | $ 605,000 | $ 121,000 | $ 112,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 540,000 | $ 135,000 | $ 0 |
| Durham-Chapel Hill, NC | 4 | $ 820,000 | $ 205,000 | $ 0 |
| Fort Worth-Arlington, TX | 4 | $ 230,000 | $ 57,500 | $ 0 |
| Greensboro-High Point, NC | 4 | $ 640,000 | $ 160,000 | $ 128,000 |
| Jackson, MS | 4 | $ 370,000 | $ 92,500 | $ 0 |
| Ogden-Clearfield, UT | 4 | $ 150,000 | $ 37,500 | $ 0 |
| Port St. Lucie, FL | 4 | $ 570,000 | $ 142,500 | $ 202,000 |
| Stockton-Lodi, CA | 4 | $ 310,000 | $ 77,500 | $ 0 |
| Tacoma-Lakewood, WA | 4 | $ 560,000 | $ 140,000 | $ 0 |
| Tucson, AZ | 4 | $ 570,000 | $ 142,500 | $ 0 |
| Tyler, TX | 4 | $ 430,000 | $ 107,500 | $ 0 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 340,000 | $ 85,000 | $ 0 |
| Asheville, NC | 3 | $ 205,000 | $ 68,333 | $ 0 |
| Bakersfield, CA | 3 | $ 335,000 | $ 111,666 | $ 0 |
| Boise City, ID | 3 | $ 675,000 | $ 225,000 | $ 0 |
| Colorado Springs, CO | 3 | $ 615,000 | $ 205,000 | $ 0 |
| Decatur, AL | 3 | $ 435,000 | $ 145,000 | $ 0 |
| Dothan, AL | 3 | $ 215,000 | $ 71,666 | $ 0 |
| Florence, SC | 3 | $ 215,000 | $ 71,666 | $ 0 |
| Fresno, CA | 3 | $ 335,000 | $ 111,666 | $ 0 |
| Gulfport-Biloxi-Pascagoula, MS | 3 | $ 275,000 | $ 91,666 | $ 0 |
| Knoxville, TN | 3 | $ 215,000 | $ 71,666 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 3 | $ 465,000 | $ 155,000 | $ 0 |
| Memphis, TN-MS-AR | 3 | $ 365,000 | $ 121,666 | $ 0 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 495,000 | $ 165,000 | $ 0 |
| New Orleans-Metairie, LA | 3 | $ 425,000 | $ 141,666 | $ 0 |
| Prescott Valley-Prescott, AZ | 3 | $ 205,000 | $ 68,333 | $ 0 |
| Richmond, VA | 3 | $ 365,000 | $ 121,666 | $ 0 |
| Rockingham County-Strafford County, NH | 3 | $ 205,000 | $ 68,333 | $ 780,000 |
| Salinas, CA | 3 | $ 225,000 | $ 75,000 | $ 0 |
| San Francisco-Redwood City-South San Francisco, CA | 3 | $ 775,000 | $ 258,333 | $ 0 |
| Tulsa, OK | 3 | $ 325,000 | $ 108,333 | $ 0 |
| Albany, GA | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Albany, OR | 2 | $ 100,000 | $ 50,000 | $ 0 |
| Albany-Schenectady-Troy, NY | 2 | $ 70,000 | $ 35,000 | $ 94,000 |
| Albuquerque, NM | 2 | $ 140,000 | $ 70,000 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Bremerton-Silverdale, WA | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Brunswick, GA | 2 | $ 250,000 | $ 125,000 | $ 0 |
| Camden, NJ | 2 | $ 540,000 | $ 270,000 | $ 0 |
| Chico, CA | 2 | $ 160,000 | $ 80,000 | $ 0 |
| Corvallis, OR | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Dallas-Plano-Irving, TX | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Dover, DE | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Eugene, OR | 2 | $ 80,000 | $ 40,000 | $ 0 |
| Fort Collins, CO | 2 | $ 310,000 | $ 155,000 | $ 0 |
| Glens Falls, NY | 2 | $ 220,000 | $ 110,000 | $ 161,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 410,000 | $ 205,000 | $ 0 |
| Hinesville, GA | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Homosassa Springs, FL | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Kansas City, MO-KS | 2 | $ 170,000 | $ 85,000 | $ 0 |
| Lubbock, TX | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Macon-Bibb County, GA | 2 | $ 220,000 | $ 110,000 | $ 0 |
| Manchester-Nashua, NH | 2 | $ 310,000 | $ 155,000 | $ 183,000 |
| Merced, CA | 2 | $ 110,000 | $ 55,000 | $ 0 |
| Montgomery, AL | 2 | $ 210,000 | $ 105,000 | $ 0 |
| Napa, CA | 2 | $ 350,000 | $ 175,000 | $ 0 |
| Pittsfield, MA | 2 | $ 220,000 | $ 110,000 | $ 54,000 |
| Portland-South Portland, ME | 2 | $ 200,000 | $ 100,000 | $ 90,000 |
| Punta Gorda, FL | 2 | $ 390,000 | $ 195,000 | $ 184,000 |
| Raleigh, NC | 2 | $ 620,000 | $ 310,000 | $ 0 |
| Rochester, NY | 2 | $ 80,000 | $ 40,000 | $ 109,000 |
| Salt Lake City, UT | 2 | $ 240,000 | $ 120,000 | $ 0 |
| San Luis Obispo-Paso Robles-Arroyo Grande, CA | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Sierra Vista-Douglas, AZ | 2 | $ 180,000 | $ 90,000 | $ 0 |
| Tuscaloosa, AL | 2 | $ 280,000 | $ 140,000 | $ 0 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 2 | $ 270,000 | $ 135,000 | $ 0 |
| Yuba City, CA | 2 | $ 90,000 | $ 45,000 | $ 0 |
| Alexandria, LA | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Amarillo, TX | 1 | $ 185,000 | $ 185,000 | $ 0 |
| Ann Arbor, MI | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Anniston-Oxford-Jacksonville, AL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Athens-Clarke County, GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Auburn-Opelika, AL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Beaumont-Port Arthur, TX | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Buffalo-Cheektowaga-Niagara Falls, NY | 1 | $ 105,000 | $ 105,000 | $ 492,000 |
| Burlington-South Burlington, VT | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Carson City, NV | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Chambersburg-Waynesboro, PA | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Charlottesville, VA | 1 | $ 455,000 | $ 455,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Clarksville, TN-KY | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Dalton, GA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Daphne-Fairhope-Foley, AL | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Enid, OK | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Fayetteville, NC | 1 | $ 3,205,000 | $ 3,205,000 | $ 0 |
| Flagstaff, AZ | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Florence-Muscle Shoals, AL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Fort Smith, AR-OK | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Hilton Head Island-Bluffton-Beaufort, SC | 1 | $ 315,000 | $ 315,000 | $ 0 |
| Indianapolis-Carmel-Anderson, IN | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Jackson, TN | 1 | $ 245,000 | $ 245,000 | $ 0 |
| Jacksonville, NC | 1 | $ 5,205,000 | $ 5,205,000 | $ 0 |
| Jefferson City, MO | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lawton, OK | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Longview, TX | 1 | $ 135,000 | $ 135,000 | $ 0 |
| Longview, WA | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Lynchburg, VA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Medford, OR | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Mobile, AL | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Philadelphia, PA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Pine Bluff, AR | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Provo-Orem, UT | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Redding, CA | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Reno, NV | 1 | $ 305,000 | $ 305,000 | $ 0 |
| Rockford, IL | 1 | $ 115,000 | $ 115,000 | $ 0 |
| Rocky Mount, NC | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Salisbury, MD-DE | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Santa Cruz-Watsonville, CA | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Savannah, GA | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 95,000 | $ 95,000 | $ 0 |
| Sherman-Denison, TX | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Shreveport-Bossier City, LA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Spokane-Spokane Valley, WA | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Springfield, MO | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Syracuse, NY | 1 | $ 25,000 | $ 25,000 | $ 80,000 |
| Texarkana, TX-AR | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Trenton, NJ | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Wenatchee, WA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Wichita Falls, TX | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Williamsport, PA | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Wilmington, DE-MD-NJ | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Winchester, VA-WV | 1 | $ 265,000 | $ 265,000 | $ 0 |
Mortgage Loan Application Detail Totals for United Bank in 2019
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 | 1,446 | $276,000,000 | $190,000 | $13,505,000 | $115,000 | $2,827,000 |
| Refinancing | 849 | $142,785,000 | $168,000 | $1,215,000 | $119,000 | $1,038,000 |
| Home Improvement | 630 | $57,310,000 | $90,000 | $505,000 | $117,000 | $790,000 |
| Other Purpose | 519 | $50,625,000 | $97,000 | $1,905,000 | $132,000 | $2,087,000 |
| Not Applicable | 186 | $22,250,000 | $119,000 | $505,000 | $0 | $0 |
| Cash-out Refinancing | 183 | $39,345,000 | $215,000 | $885,000 | $95,000 | $482,000 |
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 | 2,004 | $278,000,000 | $138,000 | $1,905,000 | $120,000 | $2,087,000 |
| Not applicable | 1,262 | $227,990,000 | $180,000 | $13,505,000 | $0 | $0 |
| Not Provided | 225 | $33,865,000 | $150,000 | $1,005,000 | $149,000 | $2,827,000 |
| Hispanic | 133 | $17,235,000 | $129,000 | $595,000 | $91,000 | $494,000 |
| Black or African American | 90 | $13,660,000 | $151,000 | $685,000 | $77,000 | $347,000 |
| Asian | 64 | $12,790,000 | $199,000 | $1,005,000 | $101,000 | $393,000 |
| American Indian or Alaskan Native | 6 | $700,000 | $116,000 | $255,000 | $73,000 | $113,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $1,140,000 | $190,000 | $385,000 | $106,000 | $230,000 |
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) | 3,715 | $566,505,000 | $152,000 | $13,505,000 | $121,000 | $2,827,000 |
| FHA-insured (Federal Housing Administration) | 75 | $14,775,000 | $197,000 | $595,000 | $73,000 | $173,000 |
| VA-guaranteed (Veterans Administration) | 23 | $7,035,000 | $305,000 | $735,000 | $101,000 | $250,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 1,493 | $265,385,000 | $177,000 | $13,505,000 | $126,000 | $2,827,000 |
| Loan Purchased By The Institution | 1,176 | $160,370,000 | $136,000 | $735,000 | $0 | $0 |
| Application Denied By Financial Institution | 749 | $98,715,000 | $131,000 | $1,905,000 | $107,000 | $2,087,000 |
| Application Withdrawn By Applicant | 266 | $48,380,000 | $181,000 | $1,655,000 | $123,000 | $1,086,000 |
| File Closed For Incompleteness | 75 | $9,745,000 | $129,000 | $405,000 | $116,000 | $482,000 |
| Application Approved But Not Accepted | 54 | $5,720,000 | $105,000 | $605,000 | $91,000 | $790,000 |
| 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 | 3,064 | $489,600,000 | $159,000 | $13,505,000 | $124,000 | $2,827,000 |
| Debt-To-Income Ratio | 397 | $52,505,000 | $132,000 | $1,215,000 | $75,000 | $635,000 |
| Credit History | 187 | $20,095,000 | $107,000 | $1,155,000 | $128,000 | $1,030,000 |
| Collateral | 92 | $13,270,000 | $144,000 | $1,905,000 | $173,000 | $1,899,000 |
| Other | 38 | $4,910,000 | $129,000 | $1,005,000 | $188,000 | $2,087,000 |
| Credit Application Incomplete | 24 | $6,360,000 | $265,000 | $1,085,000 | $130,000 | $476,000 |
| Employment History | 7 | $765,000 | $109,000 | $205,000 | $49,000 | $126,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $655,000 | $218,000 | $385,000 | $67,000 | $137,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank's 2019 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 United Bank'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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