United Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
United Bank 2004 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 | United Bank Po Box 1337 Zebulon, GA 30295 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 | 1,382 |
| Total Mortgage Loan Application Amount | $126,599,000 |
| Average Mortgage Loan Application Amount | $127,000 |
| Highest Mortgage Loan Application Amount | $1,500,000 |
| Average Applicant Income | $77,571 |
| Highest Applicant Income | $563,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with United Bank. 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 United Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down United Bank'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 United Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by United Bank, 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 United Bank's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Spalding County Georgia | 370 | $ 33,699,000 | $ 91,000 | $ 47,000 |
| Pike County Georgia | 284 | $ 27,430,000 | $ 96,000 | $ 51,000 |
| Upson County Georgia | 262 | $ 18,758,000 | $ 71,000 | $ 42,000 |
| Lamar County Georgia | 251 | $ 21,036,000 | $ 83,000 | $ 47,000 |
| Henry County Georgia | 34 | $ 3,017,000 | $ 88,000 | $ 57,000 |
| Morgan County Georgia | 20 | $ 2,288,000 | $ 114,000 | $ 104,000 |
| Butts County Georgia | 18 | $ 2,141,000 | $ 118,000 | $ 64,000 |
| Monroe County Georgia | 13 | $ 738,000 | $ 56,000 | $ 51,000 |
| Fayette County Georgia | 11 | $ 1,494,000 | $ 135,000 | $ 56,000 |
| Coweta County Georgia | 10 | $ 1,196,000 | $ 119,000 | $ 73,000 |
| Meriwether County Georgia | 9 | $ 902,000 | $ 100,000 | $ 43,000 |
| Clayton County Georgia | 8 | $ 1,092,000 | $ 136,000 | $ 84,000 |
| Bibb County Georgia | 7 | $ 661,000 | $ 94,000 | $ 92,000 |
| Crawford County Georgia | 7 | $ 491,000 | $ 70,000 | $ 77,000 |
| Putnam County Georgia | 5 | $ 600,000 | $ 120,000 | $ 93,000 |
| Bay County Florida | 4 | $ 763,000 | $ 190,000 | $ 116,000 |
| Fulton County Georgia | 4 | $ 377,000 | $ 94,000 | $ 99,000 |
| Gwinnett County Georgia | 4 | $ 505,000 | $ 126,000 | $ 53,000 |
| Jasper County Georgia | 4 | $ 382,000 | $ 95,000 | $ 154,000 |
| Baldwin County Georgia | 3 | $ 486,000 | $ 162,000 | $ 97,000 |
| Clarke County Georgia | 3 | $ 395,000 | $ 131,000 | $ 91,000 |
| DeKalb County Georgia | 3 | $ 610,000 | $ 203,000 | $ 36,000 |
| Newton County Georgia | 3 | $ 355,000 | $ 118,000 | $ 165,000 |
| Paulding County Georgia | 3 | $ 329,000 | $ 109,000 | $ 66,000 |
| Duval County Florida | 2 | $ 815,000 | $ 407,000 | $ 127,000 |
| Cobb County Georgia | 2 | $ 127,000 | $ 63,000 | $ 43,000 |
| Glynn County Georgia | 2 | $ 648,000 | $ 324,000 | $ 67,000 |
| Macon County Georgia | 2 | $ 165,000 | $ 82,000 | $ 53,000 |
| Rabun County Georgia | 2 | $ 240,000 | $ 120,000 | $ 104,000 |
| Talbot County Georgia | 2 | $ 73,000 | $ 36,000 | $ 90,000 |
| Taylor County Georgia | 2 | $ 374,000 | $ 187,000 | $ 75,000 |
| Chambers County Alabama | 1 | $ 19,000 | $ 19,000 | $ 23,000 |
| Escambia County Florida | 1 | $ 461,000 | $ 461,000 | $ 378,000 |
| Pinellas County Florida | 1 | $ 95,000 | $ 95,000 | $ 35,000 |
| Bulloch County Georgia | 1 | $ 125,000 | $ 125,000 | $ 355,000 |
| Chatham County Georgia | 1 | $ 55,000 | $ 55,000 | $ 137,000 |
| Fannin County Georgia | 1 | $ 232,000 | $ 232,000 | $ 393,000 |
| Greene County Georgia | 1 | $ 200,000 | $ 200,000 | $ 140,000 |
| Hancock County Georgia | 1 | $ 152,000 | $ 152,000 | $ 93,000 |
| Laurens County Georgia | 1 | $ 63,000 | $ 63,000 | $ 28,000 |
| McIntosh County Georgia | 1 | $ 21,000 | $ 21,000 | $ 36,000 |
| Oconee County Georgia | 1 | $ 41,000 | $ 41,000 | $ 52,000 |
| Rockdale County Georgia | 1 | $ 170,000 | $ 170,000 | $ 44,000 |
| Seminole County Georgia | 1 | $ 28,000 | $ 28,000 | $ 65,000 |
| Stephens County Georgia | 1 | $ 33,000 | $ 33,000 | $ 61,000 |
| Troup County Georgia | 1 | $ 180,000 | $ 180,000 | $ 51,000 |
| Walker County Georgia | 1 | $ 48,000 | $ 48,000 | $ 68,000 |
| Walton County Georgia | 1 | $ 1,500,000 | $ 1,500,000 | $ 0 |
| Ware County Georgia | 1 | $ 36,000 | $ 36,000 | $ 84,000 |
Mortgage Loan Application Detail Totals for United Bank in 2004
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 |
|---|---|---|---|---|---|---|
| Refinancing | 710 | $64,503,000 | $182,500 | $719,000 | $88,500 | $563,000 |
| Home Purchase | 481 | $53,831,000 | $120,250 | $1,500,000 | $78,500 | $469,000 |
| Home Improvement | 191 | $8,265,000 | $43,000 | $440,000 | $52,000 | $427,000 |
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 | 1,168 | $111,932,000 | $116,750 | $1,500,000 | $70,750 | $563,000 |
| Black or African American | 131 | $6,985,000 | $81,000 | $240,000 | $54,000 | $145,000 |
| Not Provided | 28 | $3,057,000 | $109,000 | $334,000 | $52,000 | $139,000 |
| Not applicable | 27 | $2,453,000 | $90,000 | $213,000 | $51,000 | $433,000 |
| Hispanic | 17 | $1,512,000 | $101,000 | $240,000 | $45,000 | $310,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $147,000 | $36,000 | $74,000 | $27,000 | $33,000 |
| Asian | 4 | $299,000 | $74,000 | $125,000 | $83,000 | $209,000 |
| American Indian or Alaskan Native | 3 | $214,000 | $71,000 | $141,000 | $38,000 | $59,000 |
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) | 1,321 | $121,300,000 | $117,750 | $1,500,000 | $70,250 | $563,000 |
| FHA-insured (Federal Housing Administration) | 57 | $4,832,000 | $83,500 | $145,000 | $42,500 | $87,000 |
| VA-guaranteed (Veterans Administration) | 4 | $467,000 | $122,500 | $139,000 | $40,000 | $50,000 |
| 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 | 1,156 | $104,037,000 | $124,333 | $1,500,000 | $80,000 | $563,000 |
| Application Denied By Financial Institution | 134 | $12,104,000 | $90,000 | $512,000 | $40,000 | $144,000 |
| Application Withdrawn By Applicant | 46 | $5,095,000 | $110,000 | $325,000 | $66,000 | $294,000 |
| File Closed For Incompleteness | 19 | $2,116,000 | $111,000 | $304,000 | $57,000 | $114,000 |
| Application Approved But Not Accepted | 17 | $2,294,000 | $134,000 | $310,000 | $51,000 | $97,000 |
| Preapproval Denied by Financial Institution | 7 | $684,000 | $97,000 | $134,000 | $46,000 | $87,000 |
| Preapproval Approved but not Accepted | 3 | $269,000 | $89,000 | $150,000 | $59,000 | $93,000 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| Credit History | 69 | $5,412,000 | $84,000 | $219,000 | $48,000 | $144,000 |
| Debt-To-Income Ratio | 53 | $5,788,000 | $111,500 | $512,000 | $27,000 | $107,000 |
| Employment History | 8 | $673,000 | $85,000 | $180,000 | $61,500 | $87,000 |
| Collateral | 7 | $574,000 | $82,000 | $128,000 | $34,000 | $81,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $149,000 | $74,000 | $77,000 | $9,000 | $13,000 |
| Other | 1 | $95,000 | $95,000 | $95,000 | $53,000 | $53,000 |
| Unverifiable Information | 1 | $97,000 | $97,000 | $97,000 | $56,000 | $56,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank's 2004 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.
For a list of all lenders in Georgia, download the full spreadsheet
with aggregated HMDA statistics today.