United Bank Inc Mortgage Lending & HMDA Data, 2003
In 2003, United Bank Inc of Parkersburg, WV reported 6,984 mortgage applications totaling $549.6 million. The average application was for $78,691, and applicants reported an average income of $64,824. 73% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Charleston, WV (928), Parkersburg-Marietta, WV-OH (539) and Wheeling, WV-OH (368) (applications in parentheses).
| 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 | $78,691 |
| Highest Mortgage Loan Application Amount | $4,250,000 |
| Average Applicant Income | $64,824 |
| Highest Applicant Income | $7,601,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Bank Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kanawha, West Virginia | 782 | $ 88,943,000 | $ 113,737 | $ 79,000 |
| Wood, West Virginia | 539 | $ 45,202,000 | $ 83,862 | $ 59,000 |
| Monongalia, West Virginia | 506 | $ 53,293,000 | $ 105,322 | $ 53,000 |
| Raleigh, West Virginia | 438 | $ 35,677,000 | $ 81,454 | $ 87,000 |
| Jackson, West Virginia | 345 | $ 19,144,000 | $ 55,489 | $ 43,000 |
| Fayette, West Virginia | 306 | $ 14,646,000 | $ 47,862 | $ 53,000 |
| Ohio, West Virginia | 219 | $ 17,384,000 | $ 79,378 | $ 53,000 |
| Webster, West Virginia | 197 | $ 6,322,000 | $ 32,091 | $ 41,000 |
| Lewis, West Virginia | 190 | $ 10,107,000 | $ 53,194 | $ 42,000 |
| Cabell, West Virginia | 164 | $ 16,367,000 | $ 99,798 | $ 73,000 |
| Marshall, West Virginia | 149 | $ 8,355,000 | $ 56,073 | $ 46,000 |
| Putnam, West Virginia | 146 | $ 15,460,000 | $ 105,890 | $ 63,000 |
| Wayne, West Virginia | 134 | $ 7,842,000 | $ 58,522 | $ 52,000 |
| Logan, West Virginia | 132 | $ 7,566,000 | $ 57,318 | $ 57,000 |
| Marion, West Virginia | 113 | $ 7,986,000 | $ 70,672 | $ 48,000 |
| Nicholas, West Virginia | 108 | $ 7,428,000 | $ 68,777 | $ 73,000 |
| Greenbrier, West Virginia | 103 | $ 18,064,000 | $ 175,378 | $ 92,000 |
| Mercer, West Virginia | 101 | $ 8,298,000 | $ 82,158 | $ 53,000 |
| Gilmer, West Virginia | 99 | $ 4,281,000 | $ 43,242 | $ 52,000 |
| Harrison, West Virginia | 95 | $ 7,548,000 | $ 79,452 | $ 40,000 |
| Jefferson, West Virginia | 81 | $ 8,377,000 | $ 103,419 | $ 53,000 |
| Hancock, West Virginia | 78 | $ 4,453,000 | $ 57,089 | $ 65,000 |
| Preston, West Virginia | 77 | $ 5,668,000 | $ 73,610 | $ 41,000 |
| Washington, Ohio | 72 | $ 4,717,000 | $ 65,513 | $ 71,000 |
| Allegheny, Pennsylvania | 69 | $ 1,568,000 | $ 22,724 | $ 49,000 |
| Belmont, Ohio | 65 | $ 4,932,000 | $ 75,876 | $ 50,000 |
| Boone, West Virginia | 60 | $ 2,536,000 | $ 42,266 | $ 54,000 |
| York, Pennsylvania | 52 | $ 461,000 | $ 8,865 | $ 43,000 |
| Lawrence, Ohio | 47 | $ 5,828,000 | $ 124,000 | $ 65,000 |
| Fairfax, Virginia | 47 | $ 17,285,000 | $ 367,765 | $ 239,000 |
| Washington, Pennsylvania | 44 | $ 948,000 | $ 21,545 | $ 56,000 |
| Braxton, West Virginia | 43 | $ 2,750,000 | $ 63,953 | $ 43,000 |
| Fayette, Pennsylvania | 40 | $ 1,475,000 | $ 36,875 | $ 45,000 |
| Roane, West Virginia | 35 | $ 2,236,000 | $ 63,885 | $ 41,000 |
| Westmoreland, Pennsylvania | 34 | $ 430,000 | $ 12,647 | $ 32,000 |
| Columbiana, Ohio | 33 | $ 553,000 | $ 16,757 | $ 38,000 |
| Stark, Ohio | 31 | $ 259,000 | $ 8,354 | $ 40,000 |
| Wyoming, West Virginia | 30 | $ 1,901,000 | $ 63,366 | $ 53,000 |
| Loudoun, Virginia | 28 | $ 8,664,000 | $ 309,428 | $ 310,000 |
| Brooke, West Virginia | 28 | $ 1,319,000 | $ 47,107 | $ 50,000 |
| Upshur, West Virginia | 28 | $ 1,898,000 | $ 67,785 | $ 50,000 |
| Erie, Pennsylvania | 27 | $ 317,000 | $ 11,740 | $ 34,000 |
| Jefferson, Ohio | 26 | $ 1,935,000 | $ 74,423 | $ 52,000 |
| Butler, Pennsylvania | 25 | $ 184,000 | $ 7,360 | $ 37,000 |
| Chautauqua, New York | 22 | $ 236,000 | $ 10,727 | $ 35,000 |
| Greene, Pennsylvania | 22 | $ 1,243,000 | $ 56,500 | $ 42,000 |
| Berkeley, West Virginia | 22 | $ 798,000 | $ 36,272 | $ 58,000 |
| Lancaster, Pennsylvania | 21 | $ 195,000 | $ 9,285 | $ 41,000 |
| Tazewell, Virginia | 20 | $ 1,408,000 | $ 70,400 | $ 58,000 |
| Taylor, West Virginia | 20 | $ 1,390,000 | $ 69,500 | $ 42,000 |
| Beaver, Pennsylvania | 19 | $ 171,000 | $ 9,000 | $ 38,000 |
| Dauphin, Pennsylvania | 19 | $ 200,000 | $ 10,526 | $ 48,000 |
| Randolph, West Virginia | 19 | $ 958,000 | $ 50,421 | $ 61,000 |
| Barbour, West Virginia | 17 | $ 850,000 | $ 50,000 | $ 29,000 |
| Montgomery, Maryland | 16 | $ 5,754,000 | $ 359,625 | $ 250,000 |
| Prince William, Virginia | 16 | $ 4,833,000 | $ 302,062 | $ 180,000 |
| Armstrong, Pennsylvania | 15 | $ 136,000 | $ 9,066 | $ 39,000 |
| Mercer, Pennsylvania | 15 | $ 151,000 | $ 10,066 | $ 28,000 |
| Mason, West Virginia | 15 | $ 821,000 | $ 54,733 | $ 54,000 |
| Ritchie, West Virginia | 15 | $ 1,067,000 | $ 71,133 | $ 60,000 |
| Wirt, West Virginia | 15 | $ 706,000 | $ 47,066 | $ 34,000 |
| Indiana, Pennsylvania | 14 | $ 113,000 | $ 8,071 | $ 33,000 |
| Clay, West Virginia | 14 | $ 567,000 | $ 40,500 | $ 42,000 |
| Summit, Ohio | 13 | $ 119,000 | $ 9,153 | $ 39,000 |
| Adams, Pennsylvania | 13 | $ 185,000 | $ 14,230 | $ 38,000 |
| Lincoln, West Virginia | 13 | $ 882,000 | $ 67,846 | $ 56,000 |
| Muskingum, Ohio | 12 | $ 109,000 | $ 9,083 | $ 28,000 |
| Crawford, Pennsylvania | 12 | $ 104,000 | $ 8,666 | $ 42,000 |
| Calhoun, West Virginia | 12 | $ 503,000 | $ 41,916 | $ 45,000 |
| Monroe, West Virginia | 12 | $ 1,063,000 | $ 88,583 | $ 59,000 |
| Pleasants, West Virginia | 12 | $ 572,000 | $ 47,666 | $ 48,000 |
| Boyd, Kentucky | 11 | $ 906,000 | $ 82,363 | $ 92,000 |
| Cuyahoga, Ohio | 11 | $ 200,000 | $ 18,181 | $ 62,000 |
| Arlington, Virginia | 11 | $ 4,092,000 | $ 372,000 | $ 193,000 |
| District of Columbia, District Of Columbia | 10 | $ 4,896,000 | $ 489,600 | $ 247,000 |
| Clarion, Pennsylvania | 10 | $ 79,000 | $ 7,900 | $ 32,000 |
| Cumberland, Pennsylvania | 10 | $ 110,000 | $ 11,000 | $ 69,000 |
| Lawrence, Pennsylvania | 10 | $ 99,000 | $ 9,900 | $ 31,000 |
| Doddridge, West Virginia | 10 | $ 499,000 | $ 49,900 | $ 68,000 |
| Wetzel, West Virginia | 10 | $ 525,000 | $ 52,500 | $ 52,000 |
| Mahoning, Ohio | 9 | $ 96,000 | $ 10,666 | $ 32,000 |
| Trumbull, Ohio | 9 | $ 97,000 | $ 10,777 | $ 44,000 |
| Campbell, Virginia | 9 | $ 175,000 | $ 19,444 | $ 40,000 |
| Allegany, Maryland | 8 | $ 99,000 | $ 12,375 | $ 39,000 |
| Garrett, Maryland | 8 | $ 1,354,000 | $ 169,250 | $ 749,000 |
| Mingo, West Virginia | 8 | $ 211,000 | $ 26,375 | $ 58,000 |
| Athens, Ohio | 7 | $ 207,000 | $ 29,571 | $ 66,000 |
| Meigs, Ohio | 7 | $ 461,000 | $ 65,857 | $ 46,000 |
| Blair, Pennsylvania | 7 | $ 82,000 | $ 11,714 | $ 36,000 |
| Cambria, Pennsylvania | 7 | $ 100,000 | $ 14,285 | $ 29,000 |
| Mineral, West Virginia | 7 | $ 448,000 | $ 64,000 | $ 53,000 |
| Tucker, West Virginia | 7 | $ 867,000 | $ 123,857 | $ 220,000 |
| Anne Arundel, Maryland | 6 | $ 373,000 | $ 62,166 | $ 116,000 |
| Carroll, Maryland | 6 | $ 103,000 | $ 17,166 | $ 48,000 |
| Washington, Maryland | 6 | $ 315,000 | $ 52,500 | $ 98,000 |
| Ashtabula, Ohio | 6 | $ 77,000 | $ 12,833 | $ 23,000 |
| Portage, Ohio | 6 | $ 32,000 | $ 5,333 | $ 28,000 |
| Bucks, Pennsylvania | 6 | $ 62,000 | $ 10,333 | $ 56,000 |
| Franklin, Pennsylvania | 6 | $ 84,000 | $ 14,000 | $ 54,000 |
| Northampton, Pennsylvania | 6 | $ 50,000 | $ 8,333 | $ 41,000 |
| Somerset, Pennsylvania | 6 | $ 69,000 | $ 11,500 | $ 19,000 |
| Venango, Pennsylvania | 6 | $ 45,000 | $ 7,500 | $ 31,000 |
| Summers, West Virginia | 6 | $ 714,000 | $ 119,000 | $ 115,000 |
| Greenup, Kentucky | 5 | $ 225,000 | $ 45,000 | $ 59,000 |
| Prince George's, Maryland | 5 | $ 65,000 | $ 13,000 | $ 87,000 |
| Monroe, Ohio | 5 | $ 32,000 | $ 6,400 | $ 40,000 |
| Montgomery, Pennsylvania | 5 | $ 169,000 | $ 33,800 | $ 88,000 |
| Schuylkill, Pennsylvania | 5 | $ 87,000 | $ 17,400 | $ 50,000 |
| Horry, South Carolina | 5 | $ 730,000 | $ 146,000 | $ 120,000 |
| Alexandria, Virginia | 5 | $ 1,593,000 | $ 318,600 | $ 312,000 |
| Rockingham, Virginia | 5 | $ 42,000 | $ 8,400 | $ 44,000 |
| Baltimore, Maryland | 4 | $ 59,000 | $ 14,750 | $ 55,000 |
| Frederick, Maryland | 4 | $ 39,000 | $ 9,750 | $ 47,000 |
| Gallia, Ohio | 4 | $ 97,000 | $ 24,250 | $ 50,000 |
| Perry, Ohio | 4 | $ 34,000 | $ 8,500 | $ 25,000 |
| Lebanon, Pennsylvania | 4 | $ 49,000 | $ 12,250 | $ 26,000 |
| Danville, Virginia | 4 | $ 37,000 | $ 9,250 | $ 30,000 |
| Roanoke, Virginia | 4 | $ 27,000 | $ 6,750 | $ 50,000 |
| Pocahontas, West Virginia | 4 | $ 733,000 | $ 183,250 | $ 56,000 |
| Palm Beach, Florida | 3 | $ 1,597,000 | $ 532,333 | $ 718,000 |
| Harford, Maryland | 3 | $ 52,000 | $ 17,333 | $ 49,000 |
| Buncombe, North Carolina | 3 | $ 14,000 | $ 4,666 | $ 51,000 |
| Dare, North Carolina | 3 | $ 547,000 | $ 182,333 | $ 114,000 |
| Forsyth, North Carolina | 3 | $ 241,000 | $ 80,333 | $ 48,000 |
| Harrison, Ohio | 3 | $ 28,000 | $ 9,333 | $ 40,000 |
| Jackson, Ohio | 3 | $ 31,000 | $ 10,333 | $ 25,000 |
| Lorain, Ohio | 3 | $ 42,000 | $ 14,000 | $ 87,000 |
| Berks, Pennsylvania | 3 | $ 44,000 | $ 14,666 | $ 33,000 |
| Chester, Pennsylvania | 3 | $ 49,000 | $ 16,333 | $ 93,000 |
| Luzerne, Pennsylvania | 3 | $ 37,000 | $ 12,333 | $ 34,000 |
| Albemarle, Virginia | 3 | $ 309,000 | $ 103,000 | $ 84,000 |
| Bland, Virginia | 3 | $ 80,000 | $ 26,666 | $ 46,000 |
| Botetourt, Virginia | 3 | $ 16,000 | $ 5,333 | $ 22,000 |
| Manassas Park, Virginia | 3 | $ 767,000 | $ 255,666 | $ 123,000 |
| Wythe, Virginia | 3 | $ 120,000 | $ 40,000 | $ 65,000 |
| Tyler, West Virginia | 3 | $ 183,000 | $ 61,000 | $ 49,000 |
| Collier, Florida | 2 | $ 150,000 | $ 75,000 | $ 40,000 |
| Cecil, Maryland | 2 | $ 42,000 | $ 21,000 | $ 37,000 |
| Henderson, North Carolina | 2 | $ 17,000 | $ 8,500 | $ 36,000 |
| Franklin, Ohio | 2 | $ 315,000 | $ 157,500 | $ 104,000 |
| Lake, Ohio | 2 | $ 13,000 | $ 6,500 | $ 42,000 |
| Licking, Ohio | 2 | $ 29,000 | $ 14,500 | $ 34,000 |
| Medina, Ohio | 2 | $ 16,000 | $ 8,000 | $ 31,000 |
| Morgan, Ohio | 2 | $ 77,000 | $ 38,500 | $ 43,000 |
| Wayne, Ohio | 2 | $ 12,000 | $ 6,000 | $ 55,000 |
| Carbon, Pennsylvania | 2 | $ 11,000 | $ 5,500 | $ 20,000 |
| Beaufort, South Carolina | 2 | $ 1,295,000 | $ 647,500 | $ 65,000 |
| Augusta, Virginia | 2 | $ 20,000 | $ 10,000 | $ 58,000 |
| Bedford, Virginia | 2 | $ 16,000 | $ 8,000 | $ 71,000 |
| Fairfax City, Virginia | 2 | $ 377,000 | $ 188,500 | $ 199,000 |
| Giles, Virginia | 2 | $ 124,000 | $ 62,000 | $ 54,000 |
| Henry, Virginia | 2 | $ 16,000 | $ 8,000 | $ 25,000 |
| Pittsylvania, Virginia | 2 | $ 21,000 | $ 10,500 | $ 22,000 |
| Pulaski, Virginia | 2 | $ 6,000 | $ 3,000 | $ 11,000 |
| Warren, Virginia | 2 | $ 29,000 | $ 14,500 | $ 59,000 |
| Hampshire, West Virginia | 2 | $ 376,000 | $ 188,000 | $ 34,000 |
| McDowell, West Virginia | 2 | $ 42,000 | $ 21,000 | $ 58,000 |
| Sussex, Delaware | 1 | $ 320,000 | $ 320,000 | $ 371,000 |
| Indian River, Florida | 1 | $ 103,000 | $ 103,000 | $ 38,000 |
| Lake, Florida | 1 | $ 25,000 | $ 25,000 | $ 50,000 |
| Lee, Florida | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Manatee, Florida | 1 | $ 32,000 | $ 32,000 | $ 34,000 |
| Miami-Dade, Florida | 1 | $ 460,000 | $ 460,000 | $ 703,000 |
| Okaloosa, Florida | 1 | $ 60,000 | $ 60,000 | $ 199,000 |
| Orange, Florida | 1 | $ 5,000 | $ 5,000 | $ 96,000 |
| Pinellas, Florida | 1 | $ 50,000 | $ 50,000 | $ 91,000 |
| Polk, Florida | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Glynn, Georgia | 1 | $ 460,000 | $ 460,000 | $ 476,000 |
| Delaware, Indiana | 1 | $ 200,000 | $ 200,000 | $ 272,000 |
| Johnson, Kansas | 1 | $ 150,000 | $ 150,000 | $ 49,000 |
| Rowan, Kentucky | 1 | $ 218,000 | $ 218,000 | $ 393,000 |
| Hancock, Maine | 1 | $ 100,000 | $ 100,000 | $ 83,000 |
| Calvert, Maryland | 1 | $ 21,000 | $ 21,000 | $ 136,000 |
| Charles, Maryland | 1 | $ 19,000 | $ 19,000 | $ 76,000 |
| Howard, Maryland | 1 | $ 14,000 | $ 14,000 | $ 51,000 |
| Worcester, Maryland | 1 | $ 120,000 | $ 120,000 | $ 158,000 |
| Suffolk, Massachusetts | 1 | $ 558,000 | $ 558,000 | $ 159,000 |
| Clark, Nevada | 1 | $ 273,000 | $ 273,000 | $ 85,000 |
| Burlington, New Jersey | 1 | $ 22,000 | $ 22,000 | $ 67,000 |
| Cattaraugus, New York | 1 | $ 7,000 | $ 7,000 | $ 68,000 |
| Schuyler, New York | 1 | $ 6,000 | $ 6,000 | $ 17,000 |
| Steuben, New York | 1 | $ 6,000 | $ 6,000 | $ 39,000 |
| Brunswick, North Carolina | 1 | $ 62,000 | $ 62,000 | $ 23,000 |
| Guilford, North Carolina | 1 | $ 6,000 | $ 6,000 | $ 76,000 |
| Macon, North Carolina | 1 | $ 111,000 | $ 111,000 | $ 60,000 |
| Ashland, Ohio | 1 | $ 67,000 | $ 67,000 | $ 31,000 |
| Butler, Ohio | 1 | $ 2,000 | $ 2,000 | $ 16,000 |
| Clark, Ohio | 1 | $ 20,000 | $ 20,000 | $ 35,000 |
| Delaware, Ohio | 1 | $ 637,000 | $ 637,000 | $ 155,000 |
| Geauga, Ohio | 1 | $ 7,000 | $ 7,000 | $ 24,000 |
| Hamilton, Ohio | 1 | $ 124,000 | $ 124,000 | $ 35,000 |
| Putnam, Ohio | 1 | $ 310,000 | $ 310,000 | $ 0 |
| Scioto, Ohio | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Tuscarawas, Ohio | 1 | $ 6,000 | $ 6,000 | $ 14,000 |
| Warren, Ohio | 1 | $ 62,000 | $ 62,000 | $ 44,000 |
| Wyandot, Ohio | 1 | $ 290,000 | $ 290,000 | $ 0 |
| Bradford, Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 27,000 |
| Columbia, Pennsylvania | 1 | $ 12,000 | $ 12,000 | $ 22,000 |
| Huntingdon, Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 16,000 |
| Lehigh, Pennsylvania | 1 | $ 19,000 | $ 19,000 | $ 49,000 |
| Lycoming, Pennsylvania | 1 | $ 33,000 | $ 33,000 | $ 42,000 |
| Mifflin, Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 59,000 |
| Monroe, Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 76,000 |
| Northumberland, Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 11,000 |
| Perry, Pennsylvania | 1 | $ 23,000 | $ 23,000 | $ 53,000 |
| Snyder, Pennsylvania | 1 | $ 19,000 | $ 19,000 | $ 71,000 |
| Susquehanna, Pennsylvania | 1 | $ 3,000 | $ 3,000 | $ 19,000 |
| Tioga, Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 25,000 |
| Warren, Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 14,000 |
| Anderson, South Carolina | 1 | $ 2,000 | $ 2,000 | $ 75,000 |
| Berkeley, South Carolina | 1 | $ 111,000 | $ 111,000 | $ 86,000 |
| Charleston, South Carolina | 1 | $ 426,000 | $ 426,000 | $ 0 |
| Spartanburg, South Carolina | 1 | $ 5,000 | $ 5,000 | $ 33,000 |
| Sevier, Tennessee | 1 | $ 280,000 | $ 280,000 | $ 72,000 |
| Alleghany, Virginia | 1 | $ 2,000 | $ 2,000 | $ 10,000 |
| Amherst, Virginia | 1 | $ 2,000 | $ 2,000 | $ 32,000 |
| Appomattox, Virginia | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
| Charlottesville, Virginia | 1 | $ 5,000 | $ 5,000 | $ 8,000 |
| Covington, Virginia | 1 | $ 8,000 | $ 8,000 | $ 30,000 |
| Culpeper, Virginia | 1 | $ 11,000 | $ 11,000 | $ 17,000 |
| Fauquier, Virginia | 1 | $ 224,000 | $ 224,000 | $ 125,000 |
| Montgomery, Virginia | 1 | $ 17,000 | $ 17,000 | $ 56,000 |
| Orange, Virginia | 1 | $ 360,000 | $ 360,000 | $ 240,000 |
| Radford, Virginia | 1 | $ 2,000 | $ 2,000 | $ 32,000 |
| Roanoke City, Virginia | 1 | $ 169,000 | $ 169,000 | $ 137,000 |
| Spotsylvania, Virginia | 1 | $ 219,000 | $ 219,000 | $ 41,000 |
| Stafford, Virginia | 1 | $ 300,000 | $ 300,000 | $ 178,000 |
| Staunton, Virginia | 1 | $ 14,000 | $ 14,000 | $ 68,000 |
| Virginia Beach, Virginia | 1 | $ 460,000 | $ 460,000 | $ 300,000 |
| Washington, Virginia | 1 | $ 6,000 | $ 6,000 | $ 40,000 |
| Waynesboro, Virginia | 1 | $ 11,000 | $ 11,000 | $ 34,000 |
| Winchester, Virginia | 1 | $ 291,000 | $ 291,000 | $ 300,000 |
| King, Washington | 1 | $ 4,000 | $ 4,000 | $ 60,000 |
| Hardy, 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.
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For a list of all lenders in West Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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