Union Bank & Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2017
Union Bank & Trust 2017 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 | Union Bank & Trust 1051 East Cary Street, Suite 1200 Richmond, VA 23219 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,329 |
| Total Mortgage Loan Application Amount | $241,319,000 |
| Average Mortgage Loan Application Amount | $167,666 |
| Highest Mortgage Loan Application Amount | $8,385,000 |
| Average Applicant Income | $44,333 |
| Highest Applicant Income | $1,762,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2017 with Union Bank & Trust. 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 Union Bank & Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2017 breaks down Union Bank & Trust'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 Union Bank & Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by Union Bank & Trust, 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 Union Bank & Trust's mortgage activity for 2017.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Henrico County Virginia | 140 | $ 23,376,000 | $ 166,000 | $ 33,000 |
| Richmond City County Virginia | 106 | $ 29,856,000 | $ 281,000 | $ 21,000 |
| Spotsylvania County Virginia | 58 | $ 5,496,000 | $ 94,000 | $ 43,000 |
| Chesterfield County Virginia | 56 | $ 8,584,000 | $ 153,000 | $ 43,000 |
| Montgomery County Virginia | 43 | $ 3,602,000 | $ 83,000 | $ 35,000 |
| Augusta County Virginia | 37 | $ 3,823,000 | $ 103,000 | $ 52,000 |
| Hampton County Virginia | 35 | $ 3,308,000 | $ 94,000 | $ 9,000 |
| Caroline County Virginia | 34 | $ 1,537,000 | $ 45,000 | $ 59,000 |
| Virginia Beach County Virginia | 32 | $ 10,494,000 | $ 327,000 | $ 28,000 |
| Newport News County Virginia | 31 | $ 5,719,000 | $ 184,000 | $ 7,000 |
| Culpeper County Virginia | 29 | $ 10,473,000 | $ 361,000 | $ 71,000 |
| Hanover County Virginia | 29 | $ 5,117,000 | $ 176,000 | $ 62,000 |
| Madison County Virginia | 29 | $ 2,505,000 | $ 86,000 | $ 57,000 |
| James City County Virginia | 27 | $ 4,310,000 | $ 159,000 | $ 22,000 |
| Pulaski County Virginia | 27 | $ 1,159,000 | $ 42,000 | $ 41,000 |
| Stafford County Virginia | 26 | $ 5,829,000 | $ 224,000 | $ 42,000 |
| Bedford County Virginia | 22 | $ 2,313,000 | $ 105,000 | $ 87,000 |
| Westmoreland County Virginia | 22 | $ 1,375,000 | $ 62,000 | $ 54,000 |
| Roanoke City County Virginia | 20 | $ 3,091,000 | $ 154,000 | $ 18,000 |
| Warren County Virginia | 19 | $ 2,599,000 | $ 136,000 | $ 29,000 |
| Fredericksburg County Virginia | 17 | $ 6,356,000 | $ 373,000 | $ 33,000 |
| Norfolk County Virginia | 17 | $ 10,790,000 | $ 634,000 | $ 7,000 |
| Albemarle County Virginia | 16 | $ 2,642,000 | $ 165,000 | $ 139,000 |
| Rockingham County Virginia | 16 | $ 1,309,000 | $ 81,000 | $ 65,000 |
| York County Virginia | 16 | $ 2,416,000 | $ 151,000 | $ 112,000 |
| Fauquier County Virginia | 15 | $ 3,866,000 | $ 257,000 | $ 34,000 |
| Orange County Virginia | 15 | $ 725,000 | $ 48,000 | $ 52,000 |
| Essex County Virginia | 14 | $ 1,062,000 | $ 75,000 | $ 92,000 |
| Rappahannock County Virginia | 14 | $ 4,536,000 | $ 324,000 | $ 25,000 |
| Roanoke County Virginia | 14 | $ 1,769,000 | $ 126,000 | $ 16,000 |
| Franklin County Virginia | 13 | $ 1,522,000 | $ 117,000 | $ 48,000 |
| Harrisonburg County Virginia | 13 | $ 1,185,000 | $ 91,000 | $ 104,000 |
| Lynchburg County Virginia | 13 | $ 789,000 | $ 60,000 | $ 57,000 |
| Rockbridge County Virginia | 13 | $ 1,450,000 | $ 111,000 | $ 79,000 |
| Lancaster County Virginia | 12 | $ 466,000 | $ 38,000 | $ 38,000 |
| Staunton County Virginia | 12 | $ 627,000 | $ 52,000 | $ 74,000 |
| Chesapeake County Virginia | 11 | $ 1,449,000 | $ 131,000 | $ 35,000 |
| Fairfax County Virginia | 11 | $ 3,500,000 | $ 318,000 | $ 5,000 |
| King George County Virginia | 10 | $ 1,067,000 | $ 106,000 | $ 117,000 |
| Waynesboro County Virginia | 10 | $ 3,595,000 | $ 359,000 | $ 61,000 |
| Prince George's County Maryland | 9 | $ 1,156,000 | $ 128,000 | $ 0 |
| Floyd County Virginia | 9 | $ 797,000 | $ 88,000 | $ 61,000 |
| Giles County Virginia | 9 | $ 180,000 | $ 20,000 | $ 37,000 |
| King William County Virginia | 9 | $ 1,580,000 | $ 175,000 | $ 25,000 |
| Campbell County Virginia | 8 | $ 1,043,000 | $ 130,000 | $ 58,000 |
| Nelson County Virginia | 8 | $ 1,458,000 | $ 182,000 | $ 61,000 |
| Prince William County Virginia | 8 | $ 2,148,000 | $ 268,000 | $ 59,000 |
| Richmond County Virginia | 8 | $ 628,000 | $ 78,000 | $ 54,000 |
| Radford County Virginia | 7 | $ 113,000 | $ 16,000 | $ 66,000 |
| Salem County Virginia | 7 | $ 1,691,000 | $ 241,000 | $ 28,000 |
| Buena Vista County Virginia | 6 | $ 320,000 | $ 53,000 | $ 44,000 |
| Charlottesville County Virginia | 6 | $ 3,589,000 | $ 598,000 | $ 17,000 |
| Colonial Heights County Virginia | 6 | $ 225,000 | $ 37,000 | $ 30,000 |
| Powhatan County Virginia | 6 | $ 2,629,000 | $ 438,000 | $ 30,000 |
| Shenandoah County Virginia | 6 | $ 904,000 | $ 150,000 | $ 33,000 |
| Wythe County Virginia | 6 | $ 123,000 | $ 20,000 | $ 47,000 |
| Covington County Virginia | 5 | $ 200,000 | $ 40,000 | $ 56,000 |
| New Kent County Virginia | 5 | $ 542,000 | $ 108,000 | $ 76,000 |
| Northumberland County Virginia | 5 | $ 397,000 | $ 79,000 | $ 69,000 |
| Gloucester County Virginia | 4 | $ 473,000 | $ 118,000 | $ 0 |
| Suffolk County Virginia | 4 | $ 616,000 | $ 154,000 | $ 0 |
| Williamsburg County Virginia | 4 | $ 397,000 | $ 99,000 | $ 10,000 |
| Alexandria County Virginia | 3 | $ 813,000 | $ 271,000 | $ 118,000 |
| Alleghany County Virginia | 3 | $ 172,000 | $ 57,000 | $ 107,000 |
| Amherst County Virginia | 3 | $ 237,000 | $ 79,000 | $ 75,000 |
| Botetourt County Virginia | 3 | $ 85,000 | $ 28,000 | $ 85,000 |
| Craig County Virginia | 3 | $ 179,000 | $ 59,000 | $ 0 |
| Fluvanna County Virginia | 3 | $ 245,000 | $ 81,000 | $ 67,000 |
| Greene County Virginia | 3 | $ 1,170,000 | $ 390,000 | $ 24,000 |
| Lexington County Virginia | 3 | $ 260,000 | $ 86,000 | $ 55,000 |
| Loudoun County Virginia | 3 | $ 514,000 | $ 171,000 | $ 0 |
| Page County Virginia | 3 | $ 297,000 | $ 99,000 | $ 5,000 |
| Poquoson County Virginia | 3 | $ 717,000 | $ 239,000 | $ 31,000 |
| Portsmouth County Virginia | 3 | $ 1,316,000 | $ 438,000 | $ 0 |
| Montgomery County Maryland | 2 | $ 2,657,000 | $ 1,328,000 | $ 0 |
| Iredell County North Carolina | 2 | $ 1,025,000 | $ 512,000 | $ 0 |
| Arlington County Virginia | 2 | $ 255,000 | $ 127,000 | $ 0 |
| Frederick County Virginia | 2 | $ 798,000 | $ 399,000 | $ 23,000 |
| Goochland County Virginia | 2 | $ 135,000 | $ 67,000 | $ 199,000 |
| Hopewell County Virginia | 2 | $ 532,000 | $ 266,000 | $ 0 |
| Isle of Wight County Virginia | 2 | $ 424,000 | $ 212,000 | $ 27,000 |
| Louisa County Virginia | 2 | $ 132,000 | $ 66,000 | $ 14,000 |
| Petersburg County Virginia | 2 | $ 301,000 | $ 150,000 | $ 0 |
| Sussex County Delaware | 1 | $ 728,000 | $ 728,000 | $ 0 |
| District of Columbia County District Of Columbia | 1 | $ 8,385,000 | $ 8,385,000 | $ 0 |
| Frederick County Maryland | 1 | $ 49,000 | $ 49,000 | $ 0 |
| Talbot County Maryland | 1 | $ 5,197,000 | $ 5,197,000 | $ 0 |
| Elko County Nevada | 1 | $ 280,000 | $ 280,000 | $ 106,000 |
| Currituck County North Carolina | 1 | $ 510,000 | $ 510,000 | $ 0 |
| Dare County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 0 |
| Edgecombe County North Carolina | 1 | $ 761,000 | $ 761,000 | $ 0 |
| Franklin County North Carolina | 1 | $ 187,000 | $ 187,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 191,000 | $ 191,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 1,400,000 | $ 1,400,000 | $ 0 |
| New Hanover County North Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Wake County North Carolina | 1 | $ 48,000 | $ 48,000 | $ 29,000 |
| Lancaster County Pennsylvania | 1 | $ 48,000 | $ 48,000 | $ 0 |
| Horry County South Carolina | 1 | $ 10,000 | $ 10,000 | $ 29,000 |
| Lexington County South Carolina | 1 | $ 370,000 | $ 370,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 50,000 |
| Amelia County Virginia | 1 | $ 60,000 | $ 60,000 | $ 27,000 |
| Appomattox County Virginia | 1 | $ 30,000 | $ 30,000 | $ 47,000 |
| Bath County Virginia | 1 | $ 27,000 | $ 27,000 | $ 38,000 |
| Bland County Virginia | 1 | $ 3,000 | $ 3,000 | $ 10,000 |
| Charles City County Virginia | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Clarke County Virginia | 1 | $ 576,000 | $ 576,000 | $ 0 |
| Dinwiddie County Virginia | 1 | $ 46,000 | $ 46,000 | $ 45,000 |
| Grayson County Virginia | 1 | $ 10,000 | $ 10,000 | $ 60,000 |
| Henry County Virginia | 1 | $ 75,000 | $ 75,000 | $ 0 |
| King and Queen County Virginia | 1 | $ 40,000 | $ 40,000 | $ 27,000 |
| Manassas County Virginia | 1 | $ 44,000 | $ 44,000 | $ 0 |
| Mathews County Virginia | 1 | $ 448,000 | $ 448,000 | $ 36,000 |
| Mecklenburg County Virginia | 1 | $ 52,000 | $ 52,000 | $ 85,000 |
| Middlesex County Virginia | 1 | $ 66,000 | $ 66,000 | $ 0 |
| Nottoway County Virginia | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Prince Edward County Virginia | 1 | $ 26,000 | $ 26,000 | $ 55,000 |
| Prince George County Virginia | 1 | $ 1,000 | $ 1,000 | $ 15,000 |
| Wise County Virginia | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Mercer County West Virginia | 1 | $ 1,453,000 | $ 1,453,000 | $ 0 |
Mortgage Loan Application Detail Totals for Union Bank & Trust in 2017
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 | 534 | $128,663,000 | $240,000 | $7,875,000 | $22,000 | $759,000 |
| Refinancing | 441 | $97,952,000 | $222,000 | $8,385,000 | $58,000 | $1,762,000 |
| Home Improvement | 354 | $14,704,000 | $41,000 | $2,213,000 | $53,000 | $365,000 |
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 |
|---|---|---|---|---|---|---|
| Not applicable | 629 | $193,354,000 | $307,000 | $8,385,000 | $0 | $0 |
| White | 536 | $40,202,000 | $75,000 | $806,000 | $84,000 | $1,762,000 |
| Black or African American | 99 | $3,183,000 | $32,000 | $300,000 | $48,000 | $132,000 |
| Not Provided | 32 | $2,763,000 | $86,000 | $310,000 | $117,000 | $759,000 |
| Hispanic | 22 | $1,213,000 | $55,000 | $275,000 | $86,000 | $479,000 |
| Asian | 8 | $446,000 | $55,000 | $150,000 | $54,000 | $176,000 |
| American Indian or Alaskan Native | 3 | $158,000 | $52,000 | $80,000 | $49,000 | $79,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,329 | $241,319,000 | $181,000 | $8,385,000 | $42,000 | $1,762,000 |
| 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 | 797 | $154,688,000 | $194,000 | $8,385,000 | $45,000 | $1,762,000 |
| Application Denied By Financial Institution | 223 | $12,536,000 | $56,000 | $800,000 | $49,000 | $759,000 |
| Loan Purchased By The Institution | 166 | $56,288,000 | $339,000 | $2,800,000 | $0 | $0 |
| Application Withdrawn By Applicant | 143 | $17,807,000 | $124,000 | $1,100,000 | $64,000 | $500,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Application Approved But Not Accepted | 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 | 120 | $8,048,000 | $67,000 | $800,000 | $42,000 | $230,000 |
| Credit History | 73 | $2,603,000 | $35,000 | $300,000 | $54,000 | $759,000 |
| Collateral | 19 | $1,325,000 | $69,000 | $172,000 | $85,000 | $375,000 |
| Unverifiable Information | 5 | $446,000 | $89,000 | $186,000 | $46,000 | $116,000 |
| Employment History | 5 | $50,000 | $10,000 | $30,000 | $37,000 | $68,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Union Bank & Trust's 2017 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 Union Bank & Trust'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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with aggregated HMDA statistics today.