United Bank Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
United Bank Inc 2003 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 Inc 5Th & Avery/United Square Parkersburg, WV 26102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 6,984 |
| Total Mortgage Loan Application Amount | $549,583,000 |
| Average Mortgage Loan Application Amount | $182,302 |
| Highest Mortgage Loan Application Amount | $4,250,000 |
| Average Applicant Income | $157,627 |
| Highest Applicant Income | $7,601,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with United Bank Inc. 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 Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down United Bank Inc'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 Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by United Bank Inc, 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 Inc's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kanawha County West Virginia | 782 | $ 88,943,000 | $ 113,000 | $ 79,000 |
| Wood County West Virginia | 539 | $ 45,202,000 | $ 83,000 | $ 59,000 |
| Monongalia County West Virginia | 506 | $ 53,293,000 | $ 105,000 | $ 53,000 |
| Raleigh County West Virginia | 438 | $ 35,677,000 | $ 81,000 | $ 87,000 |
| Jackson County West Virginia | 345 | $ 19,144,000 | $ 55,000 | $ 43,000 |
| Fayette County West Virginia | 306 | $ 14,646,000 | $ 47,000 | $ 53,000 |
| Ohio County West Virginia | 219 | $ 17,384,000 | $ 79,000 | $ 53,000 |
| Webster County West Virginia | 197 | $ 6,322,000 | $ 32,000 | $ 41,000 |
| Lewis County West Virginia | 190 | $ 10,107,000 | $ 53,000 | $ 42,000 |
| Cabell County West Virginia | 164 | $ 16,367,000 | $ 99,000 | $ 73,000 |
| Marshall County West Virginia | 149 | $ 8,355,000 | $ 56,000 | $ 46,000 |
| Putnam County West Virginia | 146 | $ 15,460,000 | $ 105,000 | $ 63,000 |
| Wayne County West Virginia | 134 | $ 7,842,000 | $ 58,000 | $ 52,000 |
| Logan County West Virginia | 132 | $ 7,566,000 | $ 57,000 | $ 57,000 |
| Marion County West Virginia | 113 | $ 7,986,000 | $ 70,000 | $ 48,000 |
| Nicholas County West Virginia | 108 | $ 7,428,000 | $ 68,000 | $ 73,000 |
| Greenbrier County West Virginia | 103 | $ 18,064,000 | $ 175,000 | $ 92,000 |
| Mercer County West Virginia | 101 | $ 8,298,000 | $ 82,000 | $ 53,000 |
| Gilmer County West Virginia | 99 | $ 4,281,000 | $ 43,000 | $ 52,000 |
| Harrison County West Virginia | 95 | $ 7,548,000 | $ 79,000 | $ 40,000 |
| Jefferson County West Virginia | 81 | $ 8,377,000 | $ 103,000 | $ 53,000 |
| Hancock County West Virginia | 78 | $ 4,453,000 | $ 57,000 | $ 65,000 |
| Preston County West Virginia | 77 | $ 5,668,000 | $ 73,000 | $ 41,000 |
| Washington County Ohio | 72 | $ 4,717,000 | $ 65,000 | $ 71,000 |
| Allegheny County Pennsylvania | 69 | $ 1,568,000 | $ 22,000 | $ 49,000 |
| Belmont County Ohio | 65 | $ 4,932,000 | $ 75,000 | $ 50,000 |
| Boone County West Virginia | 60 | $ 2,536,000 | $ 42,000 | $ 54,000 |
| York County Pennsylvania | 52 | $ 461,000 | $ 8,000 | $ 43,000 |
| Lawrence County Ohio | 47 | $ 5,828,000 | $ 124,000 | $ 65,000 |
| Fairfax County Virginia | 47 | $ 17,285,000 | $ 367,000 | $ 239,000 |
| Washington County Pennsylvania | 44 | $ 948,000 | $ 21,000 | $ 56,000 |
| Braxton County West Virginia | 43 | $ 2,750,000 | $ 63,000 | $ 43,000 |
| Fayette County Pennsylvania | 40 | $ 1,475,000 | $ 36,000 | $ 45,000 |
| Roane County West Virginia | 35 | $ 2,236,000 | $ 63,000 | $ 41,000 |
| Westmoreland County Pennsylvania | 34 | $ 430,000 | $ 12,000 | $ 32,000 |
| Columbiana County Ohio | 33 | $ 553,000 | $ 16,000 | $ 38,000 |
| Stark County Ohio | 31 | $ 259,000 | $ 8,000 | $ 40,000 |
| Wyoming County West Virginia | 30 | $ 1,901,000 | $ 63,000 | $ 53,000 |
| Loudoun County Virginia | 28 | $ 8,664,000 | $ 309,000 | $ 310,000 |
| Brooke County West Virginia | 28 | $ 1,319,000 | $ 47,000 | $ 50,000 |
| Upshur County West Virginia | 28 | $ 1,898,000 | $ 67,000 | $ 50,000 |
| Erie County Pennsylvania | 27 | $ 317,000 | $ 11,000 | $ 34,000 |
| Jefferson County Ohio | 26 | $ 1,935,000 | $ 74,000 | $ 52,000 |
| Butler County Pennsylvania | 25 | $ 184,000 | $ 7,000 | $ 37,000 |
| Chautauqua County New York | 22 | $ 236,000 | $ 10,000 | $ 35,000 |
| Greene County Pennsylvania | 22 | $ 1,243,000 | $ 56,000 | $ 42,000 |
| Berkeley County West Virginia | 22 | $ 798,000 | $ 36,000 | $ 58,000 |
| Lancaster County Pennsylvania | 21 | $ 195,000 | $ 9,000 | $ 41,000 |
| Tazewell County Virginia | 20 | $ 1,408,000 | $ 70,000 | $ 58,000 |
| Taylor County West Virginia | 20 | $ 1,390,000 | $ 69,000 | $ 42,000 |
| Beaver County Pennsylvania | 19 | $ 171,000 | $ 9,000 | $ 38,000 |
| Dauphin County Pennsylvania | 19 | $ 200,000 | $ 10,000 | $ 48,000 |
| Randolph County West Virginia | 19 | $ 958,000 | $ 50,000 | $ 61,000 |
| Barbour County West Virginia | 17 | $ 850,000 | $ 50,000 | $ 29,000 |
| Montgomery County Maryland | 16 | $ 5,754,000 | $ 359,000 | $ 250,000 |
| Prince William County Virginia | 16 | $ 4,833,000 | $ 302,000 | $ 180,000 |
| Armstrong County Pennsylvania | 15 | $ 136,000 | $ 9,000 | $ 39,000 |
| Mercer County Pennsylvania | 15 | $ 151,000 | $ 10,000 | $ 28,000 |
| Mason County West Virginia | 15 | $ 821,000 | $ 54,000 | $ 54,000 |
| Ritchie County West Virginia | 15 | $ 1,067,000 | $ 71,000 | $ 60,000 |
| Wirt County West Virginia | 15 | $ 706,000 | $ 47,000 | $ 34,000 |
| Indiana County Pennsylvania | 14 | $ 113,000 | $ 8,000 | $ 33,000 |
| Clay County West Virginia | 14 | $ 567,000 | $ 40,000 | $ 42,000 |
| Summit County Ohio | 13 | $ 119,000 | $ 9,000 | $ 39,000 |
| Adams County Pennsylvania | 13 | $ 185,000 | $ 14,000 | $ 38,000 |
| Lincoln County West Virginia | 13 | $ 882,000 | $ 67,000 | $ 56,000 |
| Muskingum County Ohio | 12 | $ 109,000 | $ 9,000 | $ 28,000 |
| Crawford County Pennsylvania | 12 | $ 104,000 | $ 8,000 | $ 42,000 |
| Calhoun County West Virginia | 12 | $ 503,000 | $ 41,000 | $ 45,000 |
| Monroe County West Virginia | 12 | $ 1,063,000 | $ 88,000 | $ 59,000 |
| Pleasants County West Virginia | 12 | $ 572,000 | $ 47,000 | $ 48,000 |
| Boyd County Kentucky | 11 | $ 906,000 | $ 82,000 | $ 92,000 |
| Cuyahoga County Ohio | 11 | $ 200,000 | $ 18,000 | $ 62,000 |
| Arlington County Virginia | 11 | $ 4,092,000 | $ 372,000 | $ 193,000 |
| District of Columbia County District Of Columbia | 10 | $ 4,896,000 | $ 489,000 | $ 247,000 |
| Clarion County Pennsylvania | 10 | $ 79,000 | $ 7,000 | $ 32,000 |
| Cumberland County Pennsylvania | 10 | $ 110,000 | $ 11,000 | $ 69,000 |
| Lawrence County Pennsylvania | 10 | $ 99,000 | $ 9,000 | $ 31,000 |
| Doddridge County West Virginia | 10 | $ 499,000 | $ 49,000 | $ 68,000 |
| Wetzel County West Virginia | 10 | $ 525,000 | $ 52,000 | $ 52,000 |
| Mahoning County Ohio | 9 | $ 96,000 | $ 10,000 | $ 32,000 |
| Trumbull County Ohio | 9 | $ 97,000 | $ 10,000 | $ 44,000 |
| Campbell County Virginia | 9 | $ 175,000 | $ 19,000 | $ 40,000 |
| Allegany County Maryland | 8 | $ 99,000 | $ 12,000 | $ 39,000 |
| Garrett County Maryland | 8 | $ 1,354,000 | $ 169,000 | $ 749,000 |
| Mingo County West Virginia | 8 | $ 211,000 | $ 26,000 | $ 58,000 |
| Athens County Ohio | 7 | $ 207,000 | $ 29,000 | $ 66,000 |
| Meigs County Ohio | 7 | $ 461,000 | $ 65,000 | $ 46,000 |
| Blair County Pennsylvania | 7 | $ 82,000 | $ 11,000 | $ 36,000 |
| Cambria County Pennsylvania | 7 | $ 100,000 | $ 14,000 | $ 29,000 |
| Mineral County West Virginia | 7 | $ 448,000 | $ 64,000 | $ 53,000 |
| Tucker County West Virginia | 7 | $ 867,000 | $ 123,000 | $ 220,000 |
| Anne Arundel County Maryland | 6 | $ 373,000 | $ 62,000 | $ 116,000 |
| Carroll County Maryland | 6 | $ 103,000 | $ 17,000 | $ 48,000 |
| Washington County Maryland | 6 | $ 315,000 | $ 52,000 | $ 98,000 |
| Ashtabula County Ohio | 6 | $ 77,000 | $ 12,000 | $ 23,000 |
| Portage County Ohio | 6 | $ 32,000 | $ 5,000 | $ 28,000 |
| Bucks County Pennsylvania | 6 | $ 62,000 | $ 10,000 | $ 56,000 |
| Franklin County Pennsylvania | 6 | $ 84,000 | $ 14,000 | $ 54,000 |
| Northampton County Pennsylvania | 6 | $ 50,000 | $ 8,000 | $ 41,000 |
| Somerset County Pennsylvania | 6 | $ 69,000 | $ 11,000 | $ 19,000 |
| Venango County Pennsylvania | 6 | $ 45,000 | $ 7,000 | $ 31,000 |
| Summers County West Virginia | 6 | $ 714,000 | $ 119,000 | $ 115,000 |
| Greenup County Kentucky | 5 | $ 225,000 | $ 45,000 | $ 59,000 |
| Prince George's County Maryland | 5 | $ 65,000 | $ 13,000 | $ 87,000 |
| Monroe County Ohio | 5 | $ 32,000 | $ 6,000 | $ 40,000 |
| Montgomery County Pennsylvania | 5 | $ 169,000 | $ 33,000 | $ 88,000 |
| Schuylkill County Pennsylvania | 5 | $ 87,000 | $ 17,000 | $ 50,000 |
| Horry County South Carolina | 5 | $ 730,000 | $ 146,000 | $ 120,000 |
| Alexandria County Virginia | 5 | $ 1,593,000 | $ 318,000 | $ 312,000 |
| Rockingham County Virginia | 5 | $ 42,000 | $ 8,000 | $ 44,000 |
| Baltimore County Maryland | 4 | $ 59,000 | $ 14,000 | $ 55,000 |
| Frederick County Maryland | 4 | $ 39,000 | $ 9,000 | $ 47,000 |
| Gallia County Ohio | 4 | $ 97,000 | $ 24,000 | $ 50,000 |
| Perry County Ohio | 4 | $ 34,000 | $ 8,000 | $ 25,000 |
| Lebanon County Pennsylvania | 4 | $ 49,000 | $ 12,000 | $ 26,000 |
| Danville County Virginia | 4 | $ 37,000 | $ 9,000 | $ 30,000 |
| Roanoke County Virginia | 4 | $ 27,000 | $ 6,000 | $ 50,000 |
| Pocahontas County West Virginia | 4 | $ 733,000 | $ 183,000 | $ 56,000 |
| Palm Beach County Florida | 3 | $ 1,597,000 | $ 532,000 | $ 718,000 |
| Harford County Maryland | 3 | $ 52,000 | $ 17,000 | $ 49,000 |
| Buncombe County North Carolina | 3 | $ 14,000 | $ 4,000 | $ 51,000 |
| Dare County North Carolina | 3 | $ 547,000 | $ 182,000 | $ 114,000 |
| Forsyth County North Carolina | 3 | $ 241,000 | $ 80,000 | $ 48,000 |
| Harrison County Ohio | 3 | $ 28,000 | $ 9,000 | $ 40,000 |
| Jackson County Ohio | 3 | $ 31,000 | $ 10,000 | $ 25,000 |
| Lorain County Ohio | 3 | $ 42,000 | $ 14,000 | $ 87,000 |
| Berks County Pennsylvania | 3 | $ 44,000 | $ 14,000 | $ 33,000 |
| Chester County Pennsylvania | 3 | $ 49,000 | $ 16,000 | $ 93,000 |
| Luzerne County Pennsylvania | 3 | $ 37,000 | $ 12,000 | $ 34,000 |
| Albemarle County Virginia | 3 | $ 309,000 | $ 103,000 | $ 84,000 |
| Bland County Virginia | 3 | $ 80,000 | $ 26,000 | $ 46,000 |
| Botetourt County Virginia | 3 | $ 16,000 | $ 5,000 | $ 22,000 |
| Manassas Park County Virginia | 3 | $ 767,000 | $ 255,000 | $ 123,000 |
| Wythe County Virginia | 3 | $ 120,000 | $ 40,000 | $ 65,000 |
| Tyler County West Virginia | 3 | $ 183,000 | $ 61,000 | $ 49,000 |
| Collier County Florida | 2 | $ 150,000 | $ 75,000 | $ 40,000 |
| Cecil County Maryland | 2 | $ 42,000 | $ 21,000 | $ 37,000 |
| Henderson County North Carolina | 2 | $ 17,000 | $ 8,000 | $ 36,000 |
| Franklin County Ohio | 2 | $ 315,000 | $ 157,000 | $ 104,000 |
| Lake County Ohio | 2 | $ 13,000 | $ 6,000 | $ 42,000 |
| Licking County Ohio | 2 | $ 29,000 | $ 14,000 | $ 34,000 |
| Medina County Ohio | 2 | $ 16,000 | $ 8,000 | $ 31,000 |
| Morgan County Ohio | 2 | $ 77,000 | $ 38,000 | $ 43,000 |
| Wayne County Ohio | 2 | $ 12,000 | $ 6,000 | $ 55,000 |
| Carbon County Pennsylvania | 2 | $ 11,000 | $ 5,000 | $ 20,000 |
| Beaufort County South Carolina | 2 | $ 1,295,000 | $ 647,000 | $ 65,000 |
| Augusta County Virginia | 2 | $ 20,000 | $ 10,000 | $ 58,000 |
| Bedford County Virginia | 2 | $ 16,000 | $ 8,000 | $ 71,000 |
| Fairfax City County Virginia | 2 | $ 377,000 | $ 188,000 | $ 199,000 |
| Giles County Virginia | 2 | $ 124,000 | $ 62,000 | $ 54,000 |
| Henry County Virginia | 2 | $ 16,000 | $ 8,000 | $ 25,000 |
| Pittsylvania County Virginia | 2 | $ 21,000 | $ 10,000 | $ 22,000 |
| Pulaski County Virginia | 2 | $ 6,000 | $ 3,000 | $ 11,000 |
| Warren County Virginia | 2 | $ 29,000 | $ 14,000 | $ 59,000 |
| Hampshire County West Virginia | 2 | $ 376,000 | $ 188,000 | $ 34,000 |
| McDowell County West Virginia | 2 | $ 42,000 | $ 21,000 | $ 58,000 |
| Sussex County Delaware | 1 | $ 320,000 | $ 320,000 | $ 371,000 |
| Indian River County Florida | 1 | $ 103,000 | $ 103,000 | $ 38,000 |
| Lake County Florida | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Lee County Florida | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Manatee County Florida | 1 | $ 32,000 | $ 32,000 | $ 34,000 |
| Miami-Dade County Florida | 1 | $ 460,000 | $ 460,000 | $ 703,000 |
| Okaloosa County Florida | 1 | $ 60,000 | $ 60,000 | $ 199,000 |
| Orange County Florida | 1 | $ 5,000 | $ 5,000 | $ 96,000 |
| Pinellas County Florida | 1 | $ 50,000 | $ 50,000 | $ 91,000 |
| Polk County Florida | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Glynn County Georgia | 1 | $ 460,000 | $ 460,000 | $ 476,000 |
| Delaware County Indiana | 1 | $ 200,000 | $ 200,000 | $ 272,000 |
| Johnson County Kansas | 1 | $ 150,000 | $ 150,000 | $ 49,000 |
| Rowan County Kentucky | 1 | $ 218,000 | $ 218,000 | $ 393,000 |
| Hancock County Maine | 1 | $ 100,000 | $ 100,000 | $ 83,000 |
| Calvert County Maryland | 1 | $ 21,000 | $ 21,000 | $ 136,000 |
| Charles County Maryland | 1 | $ 19,000 | $ 19,000 | $ 76,000 |
| Howard County Maryland | 1 | $ 14,000 | $ 14,000 | $ 51,000 |
| Worcester County Maryland | 1 | $ 120,000 | $ 120,000 | $ 158,000 |
| Suffolk County Massachusetts | 1 | $ 558,000 | $ 558,000 | $ 159,000 |
| Clark County Nevada | 1 | $ 273,000 | $ 273,000 | $ 85,000 |
| Burlington County New Jersey | 1 | $ 22,000 | $ 22,000 | $ 67,000 |
| Cattaraugus County New York | 1 | $ 7,000 | $ 7,000 | $ 68,000 |
| Schuyler County New York | 1 | $ 6,000 | $ 6,000 | $ 17,000 |
| Steuben County New York | 1 | $ 6,000 | $ 6,000 | $ 39,000 |
| Brunswick County North Carolina | 1 | $ 62,000 | $ 62,000 | $ 23,000 |
| Guilford County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 76,000 |
| Macon County North Carolina | 1 | $ 111,000 | $ 111,000 | $ 60,000 |
| Ashland County Ohio | 1 | $ 67,000 | $ 67,000 | $ 31,000 |
| Butler County Ohio | 1 | $ 2,000 | $ 2,000 | $ 16,000 |
| Clark County Ohio | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
| Delaware County Ohio | 1 | $ 637,000 | $ 637,000 | $ 155,000 |
| Geauga County Ohio | 1 | $ 7,000 | $ 7,000 | $ 24,000 |
| Hamilton County Ohio | 1 | $ 124,000 | $ 124,000 | $ 35,000 |
| Putnam County Ohio | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Scioto County Ohio | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Tuscarawas County Ohio | 1 | $ 6,000 | $ 6,000 | $ 14,000 |
| Warren County Ohio | 1 | $ 62,000 | $ 62,000 | $ 44,000 |
| Wyandot County Ohio | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Bradford County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Columbia County Pennsylvania | 1 | $ 12,000 | $ 12,000 | $ 22,000 |
| Huntingdon County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 16,000 |
| Lehigh County Pennsylvania | 1 | $ 19,000 | $ 19,000 | $ 49,000 |
| Lycoming County Pennsylvania | 1 | $ 33,000 | $ 33,000 | $ 42,000 |
| Mifflin County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 59,000 |
| Monroe County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 76,000 |
| Northumberland County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 11,000 |
| Perry County Pennsylvania | 1 | $ 23,000 | $ 23,000 | $ 53,000 |
| Snyder County Pennsylvania | 1 | $ 19,000 | $ 19,000 | $ 71,000 |
| Susquehanna County Pennsylvania | 1 | $ 3,000 | $ 3,000 | $ 19,000 |
| Tioga County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 25,000 |
| Warren County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 14,000 |
| Anderson County South Carolina | 1 | $ 2,000 | $ 2,000 | $ 75,000 |
| Berkeley County South Carolina | 1 | $ 111,000 | $ 111,000 | $ 86,000 |
| Charleston County South Carolina | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Spartanburg County South Carolina | 1 | $ 5,000 | $ 5,000 | $ 33,000 |
| Sevier County Tennessee | 1 | $ 280,000 | $ 280,000 | $ 72,000 |
| Alleghany County Virginia | 1 | $ 2,000 | $ 2,000 | $ 10,000 |
| Amherst County Virginia | 1 | $ 2,000 | $ 2,000 | $ 32,000 |
| Appomattox County Virginia | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
| Charlottesville County Virginia | 1 | $ 5,000 | $ 5,000 | $ 8,000 |
| Covington County Virginia | 1 | $ 8,000 | $ 8,000 | $ 30,000 |
| Culpeper County Virginia | 1 | $ 11,000 | $ 11,000 | $ 17,000 |
| Fauquier County Virginia | 1 | $ 224,000 | $ 224,000 | $ 125,000 |
| Montgomery County Virginia | 1 | $ 17,000 | $ 17,000 | $ 56,000 |
| Orange County Virginia | 1 | $ 360,000 | $ 360,000 | $ 240,000 |
| Radford County Virginia | 1 | $ 2,000 | $ 2,000 | $ 32,000 |
| Roanoke City County Virginia | 1 | $ 169,000 | $ 169,000 | $ 137,000 |
| Spotsylvania County Virginia | 1 | $ 219,000 | $ 219,000 | $ 41,000 |
| Stafford County Virginia | 1 | $ 300,000 | $ 300,000 | $ 178,000 |
| Staunton County Virginia | 1 | $ 14,000 | $ 14,000 | $ 68,000 |
| Virginia Beach County Virginia | 1 | $ 460,000 | $ 460,000 | $ 300,000 |
| Washington County Virginia | 1 | $ 6,000 | $ 6,000 | $ 40,000 |
| Waynesboro County Virginia | 1 | $ 11,000 | $ 11,000 | $ 34,000 |
| Winchester County Virginia | 1 | $ 291,000 | $ 291,000 | $ 300,000 |
| King County Washington | 1 | $ 4,000 | $ 4,000 | $ 60,000 |
| Hardy County West Virginia | 1 | $ 10,000 | $ 10,000 | $ 19,000 |
Mortgage Loan Application Detail Totals for United Bank Inc in 2003
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 (home purchase or home improvement, one-to-four family) | 2,920 | $275,266,000 | $239,866 | $1,785,000 | $280,800 | $3,500,000 |
| Home Purchase (one-to-four family) | 2,148 | $232,535,000 | $228,600 | $3,050,000 | $131,866 | $7,601,000 |
| Home Improvement (one-to-four family) | 1,878 | $26,385,000 | $12,909 | $375,000 | $53,454 | $1,230,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 38 | $15,397,000 | $335,000 | $4,250,000 | $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 | 6,393 | $476,114,000 | $176,636 | $3,050,000 | $135,818 | $7,601,000 |
| Information not provided by applicant in mail or telephone application | 252 | $24,046,000 | $233,428 | $950,000 | $131,142 | $922,000 |
| Black | 142 | $5,806,000 | $62,714 | $718,000 | $75,714 | $448,000 |
| Not applicable | 83 | $25,559,000 | $369,000 | $4,250,000 | $1,250 | $414,000 |
| Asian or Pacific Islander | 43 | $8,802,000 | $209,500 | $643,000 | $131,500 | $565,000 |
| Hispanic | 37 | $4,102,000 | $150,200 | $534,000 | $104,400 | $288,000 |
| Other | 22 | $3,733,000 | $307,500 | $460,000 | $456,500 | $1,044,000 |
| American Indian or Alaskan Native | 12 | $1,421,000 | $233,666 | $551,000 | $163,333 | $338,000 |
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) | 6,009 | $538,346,000 | $225,500 | $4,250,000 | $165,850 | $7,601,000 |
| FHA-insured (Federal Housing Administration) | 960 | $9,685,000 | $11,272 | $28,000 | $51,272 | $161,000 |
| VA-guaranteed (Veterans Administration) | 15 | $1,552,000 | $103,000 | $194,000 | $66,000 | $234,000 |
| 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 | 5,119 | $428,861,000 | $178,375 | $4,250,000 | $127,812 | $7,601,000 |
| Application Denied By Financial Institution | 1,054 | $39,826,000 | $21,300 | $455,000 | $37,900 | $426,000 |
| Application Withdrawn By Applicant | 429 | $26,717,000 | $76,000 | $360,000 | $81,666 | $636,000 |
| Application Approved But Not Accepted | 235 | $3,596,000 | $23,111 | $176,000 | $56,888 | $153,000 |
| Loan Purchased By The Institution | 142 | $50,075,000 | $362,200 | $1,000,000 | $270,400 | $922,000 |
| File Closed For Incompleteness | 5 | $508,000 | $166,500 | $275,000 | $122,500 | $188,000 |
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 | 734 | $26,957,000 | $19,777 | $440,000 | $40,222 | $426,000 |
| Debt-To-Income Ratio | 193 | $6,779,000 | $26,125 | $303,000 | $33,875 | $123,000 |
| Collateral | 53 | $3,277,000 | $86,000 | $455,000 | $44,333 | $180,000 |
| Other | 40 | $958,000 | $20,285 | $101,000 | $34,142 | $155,000 |
| Employment History | 18 | $665,000 | $43,666 | $120,000 | $56,000 | $104,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $620,000 | $68,000 | $102,000 | $46,000 | $58,000 |
| Credit Application Incomplete | 4 | $419,000 | $104,000 | $207,000 | $48,000 | $93,000 |
| Unverifiable Information | 2 | $69,000 | $34,000 | $49,000 | $60,000 | $72,000 |
| Mortgage Insurance Denied | 1 | $82,000 | $82,000 | $82,000 | $68,000 | $68,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank Inc's 2003 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 Inc'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 West Virginia, download the full spreadsheet
with aggregated HMDA statistics today.