United Bank Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
United Bank Inc 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 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 | 4,755 |
| Total Mortgage Loan Application Amount | $398,773,000 |
| Average Mortgage Loan Application Amount | $235,046 |
| Highest Mortgage Loan Application Amount | $3,353,000 |
| Average Applicant Income | $178,488 |
| Highest Applicant Income | $2,941,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 489 | $ 58,670,000 | $ 119,000 | $ 91,000 |
| Wood County West Virginia | 381 | $ 37,618,000 | $ 98,000 | $ 44,000 |
| Monongalia County West Virginia | 301 | $ 30,184,000 | $ 100,000 | $ 50,000 |
| Raleigh County West Virginia | 251 | $ 19,729,000 | $ 78,000 | $ 46,000 |
| Jackson County West Virginia | 240 | $ 12,561,000 | $ 52,000 | $ 43,000 |
| Fayette County West Virginia | 195 | $ 8,382,000 | $ 42,000 | $ 47,000 |
| Cabell County West Virginia | 163 | $ 15,841,000 | $ 97,000 | $ 73,000 |
| Webster County West Virginia | 140 | $ 4,615,000 | $ 32,000 | $ 33,000 |
| Lewis County West Virginia | 119 | $ 6,620,000 | $ 55,000 | $ 42,000 |
| Ohio County West Virginia | 117 | $ 6,601,000 | $ 56,000 | $ 65,000 |
| Putnam County West Virginia | 111 | $ 12,051,000 | $ 108,000 | $ 77,000 |
| Marshall County West Virginia | 101 | $ 5,272,000 | $ 52,000 | $ 49,000 |
| Wayne County West Virginia | 100 | $ 5,823,000 | $ 58,000 | $ 43,000 |
| Logan County West Virginia | 98 | $ 4,908,000 | $ 50,000 | $ 70,000 |
| Nicholas County West Virginia | 91 | $ 5,650,000 | $ 62,000 | $ 48,000 |
| Marion County West Virginia | 90 | $ 6,736,000 | $ 74,000 | $ 40,000 |
| Harrison County West Virginia | 80 | $ 6,458,000 | $ 80,000 | $ 36,000 |
| Washington County Ohio | 69 | $ 4,903,000 | $ 71,000 | $ 46,000 |
| Greenbrier County West Virginia | 68 | $ 19,748,000 | $ 290,000 | $ 83,000 |
| Gilmer County West Virginia | 63 | $ 4,410,000 | $ 70,000 | $ 42,000 |
| Belmont County Ohio | 59 | $ 2,300,000 | $ 38,000 | $ 54,000 |
| Mercer County West Virginia | 56 | $ 5,480,000 | $ 97,000 | $ 154,000 |
| Hancock County West Virginia | 49 | $ 3,370,000 | $ 68,000 | $ 53,000 |
| Allegheny County Pennsylvania | 48 | $ 1,523,000 | $ 31,000 | $ 46,000 |
| Loudoun County Virginia | 45 | $ 14,562,000 | $ 323,000 | $ 166,000 |
| Preston County West Virginia | 45 | $ 3,770,000 | $ 83,000 | $ 50,000 |
| Chautauqua County New York | 41 | $ 415,000 | $ 10,000 | $ 34,000 |
| Fairfax County Virginia | 38 | $ 16,636,000 | $ 437,000 | $ 181,000 |
| Braxton County West Virginia | 38 | $ 1,690,000 | $ 44,000 | $ 40,000 |
| Jefferson County West Virginia | 38 | $ 3,231,000 | $ 85,000 | $ 57,000 |
| Lawrence County Ohio | 36 | $ 3,943,000 | $ 109,000 | $ 75,000 |
| Summit County Ohio | 35 | $ 359,000 | $ 10,000 | $ 39,000 |
| Boone County West Virginia | 33 | $ 1,482,000 | $ 44,000 | $ 43,000 |
| Upshur County West Virginia | 29 | $ 1,724,000 | $ 59,000 | $ 44,000 |
| Stark County Ohio | 27 | $ 240,000 | $ 8,000 | $ 38,000 |
| Monroe County New York | 25 | $ 209,000 | $ 8,000 | $ 63,000 |
| Fayette County Pennsylvania | 25 | $ 674,000 | $ 26,000 | $ 53,000 |
| Washington County Pennsylvania | 25 | $ 808,000 | $ 32,000 | $ 45,000 |
| Roane County West Virginia | 25 | $ 1,387,000 | $ 55,000 | $ 44,000 |
| Cuyahoga County Ohio | 23 | $ 724,000 | $ 31,000 | $ 60,000 |
| Jefferson County Ohio | 22 | $ 513,000 | $ 23,000 | $ 38,000 |
| Mason County West Virginia | 21 | $ 1,009,000 | $ 48,000 | $ 35,000 |
| Westmoreland County Pennsylvania | 20 | $ 180,000 | $ 9,000 | $ 27,000 |
| Taylor County West Virginia | 19 | $ 1,209,000 | $ 63,000 | $ 43,000 |
| Beaver County Pennsylvania | 17 | $ 358,000 | $ 21,000 | $ 46,000 |
| Brooke County West Virginia | 17 | $ 757,000 | $ 44,000 | $ 69,000 |
| Lincoln County West Virginia | 17 | $ 1,184,000 | $ 69,000 | $ 67,000 |
| York County Pennsylvania | 16 | $ 98,000 | $ 6,000 | $ 36,000 |
| Randolph County West Virginia | 16 | $ 1,883,000 | $ 117,000 | $ 74,000 |
| Ritchie County West Virginia | 16 | $ 1,327,000 | $ 82,000 | $ 46,000 |
| Erie County Pennsylvania | 15 | $ 145,000 | $ 9,000 | $ 33,000 |
| Columbiana County Ohio | 14 | $ 337,000 | $ 24,000 | $ 38,000 |
| Berkeley County West Virginia | 14 | $ 1,537,000 | $ 109,000 | $ 49,000 |
| Trumbull County Ohio | 13 | $ 97,000 | $ 7,000 | $ 41,000 |
| Cambria County Pennsylvania | 13 | $ 143,000 | $ 11,000 | $ 23,000 |
| Clarion County Pennsylvania | 13 | $ 119,000 | $ 9,000 | $ 32,000 |
| Wyoming County West Virginia | 13 | $ 605,000 | $ 46,000 | $ 50,000 |
| District of Columbia County District Of Columbia | 12 | $ 3,400,000 | $ 283,000 | $ 177,000 |
| Monroe County West Virginia | 12 | $ 1,363,000 | $ 113,000 | $ 60,000 |
| Harrison County Ohio | 11 | $ 103,000 | $ 9,000 | $ 46,000 |
| Greene County Pennsylvania | 11 | $ 426,000 | $ 38,000 | $ 48,000 |
| Barbour County West Virginia | 11 | $ 664,000 | $ 60,000 | $ 63,000 |
| Mingo County West Virginia | 11 | $ 366,000 | $ 33,000 | $ 48,000 |
| Wirt County West Virginia | 10 | $ 561,000 | $ 56,000 | $ 47,000 |
| Boyd County Kentucky | 9 | $ 754,000 | $ 83,000 | $ 31,000 |
| Athens County Ohio | 9 | $ 204,000 | $ 22,000 | $ 108,000 |
| Muskingum County Ohio | 9 | $ 81,000 | $ 9,000 | $ 44,000 |
| Armstrong County Pennsylvania | 9 | $ 94,000 | $ 10,000 | $ 29,000 |
| Tucker County West Virginia | 9 | $ 740,000 | $ 82,000 | $ 69,000 |
| Mahoning County Ohio | 8 | $ 87,000 | $ 10,000 | $ 29,000 |
| Tazewell County Virginia | 8 | $ 543,000 | $ 67,000 | $ 61,000 |
| Calhoun County West Virginia | 8 | $ 354,000 | $ 44,000 | $ 51,000 |
| Pleasants County West Virginia | 8 | $ 757,000 | $ 94,000 | $ 52,000 |
| Summers County West Virginia | 8 | $ 600,000 | $ 75,000 | $ 59,000 |
| Allegany County Maryland | 7 | $ 71,000 | $ 10,000 | $ 31,000 |
| Portage County Ohio | 7 | $ 59,000 | $ 8,000 | $ 32,000 |
| Butler County Pennsylvania | 7 | $ 61,000 | $ 8,000 | $ 41,000 |
| Horry County South Carolina | 7 | $ 3,269,000 | $ 467,000 | $ 92,000 |
| Prince William County Virginia | 7 | $ 1,881,000 | $ 268,000 | $ 142,000 |
| Palm Beach County Florida | 6 | $ 1,590,000 | $ 265,000 | $ 284,000 |
| Garrett County Maryland | 6 | $ 1,031,000 | $ 171,000 | $ 135,000 |
| Montgomery County Maryland | 6 | $ 1,157,000 | $ 192,000 | $ 205,000 |
| Washington County Maryland | 6 | $ 68,000 | $ 11,000 | $ 32,000 |
| Licking County Ohio | 6 | $ 52,000 | $ 8,000 | $ 39,000 |
| Medina County Ohio | 6 | $ 52,000 | $ 8,000 | $ 52,000 |
| Crawford County Pennsylvania | 6 | $ 29,000 | $ 4,000 | $ 25,000 |
| Arlington County Virginia | 6 | $ 1,275,000 | $ 212,000 | $ 316,000 |
| Greenup County Kentucky | 5 | $ 365,000 | $ 73,000 | $ 79,000 |
| Erie County New York | 5 | $ 44,000 | $ 8,000 | $ 52,000 |
| Carroll County Ohio | 5 | $ 31,000 | $ 6,000 | $ 40,000 |
| Meigs County Ohio | 5 | $ 503,000 | $ 100,000 | $ 50,000 |
| Indiana County Pennsylvania | 5 | $ 52,000 | $ 10,000 | $ 28,000 |
| Doddridge County West Virginia | 5 | $ 376,000 | $ 75,000 | $ 103,000 |
| Mineral County West Virginia | 5 | $ 213,000 | $ 42,000 | $ 32,000 |
| Baltimore County Maryland | 4 | $ 327,000 | $ 81,000 | $ 70,000 |
| Gallia County Ohio | 4 | $ 256,000 | $ 64,000 | $ 69,000 |
| Clay County West Virginia | 4 | $ 346,000 | $ 86,000 | $ 63,000 |
| Ontario County New York | 3 | $ 24,000 | $ 8,000 | $ 55,000 |
| Orleans County New York | 3 | $ 30,000 | $ 10,000 | $ 53,000 |
| Wayne County New York | 3 | $ 26,000 | $ 8,000 | $ 30,000 |
| Brunswick County North Carolina | 3 | $ 49,000 | $ 16,000 | $ 38,000 |
| Jackson County Ohio | 3 | $ 13,000 | $ 4,000 | $ 18,000 |
| Scioto County Ohio | 3 | $ 665,000 | $ 221,000 | $ 22,000 |
| Wayne County Ohio | 3 | $ 22,000 | $ 7,000 | $ 25,000 |
| Bucks County Pennsylvania | 3 | $ 58,000 | $ 19,000 | $ 57,000 |
| Centre County Pennsylvania | 3 | $ 17,000 | $ 5,000 | $ 30,000 |
| Lycoming County Pennsylvania | 3 | $ 13,000 | $ 4,000 | $ 27,000 |
| Mercer County Pennsylvania | 3 | $ 36,000 | $ 12,000 | $ 34,000 |
| Somerset County Pennsylvania | 3 | $ 19,000 | $ 6,000 | $ 30,000 |
| Alexandria County Virginia | 3 | $ 1,292,000 | $ 430,000 | $ 283,000 |
| Grant County West Virginia | 3 | $ 88,000 | $ 29,000 | $ 28,000 |
| McDowell County West Virginia | 3 | $ 138,000 | $ 46,000 | $ 55,000 |
| Tyler County West Virginia | 3 | $ 169,000 | $ 56,000 | $ 58,000 |
| Monroe County Florida | 2 | $ 629,000 | $ 314,000 | $ 150,000 |
| St. Johns County Florida | 2 | $ 3,105,000 | $ 1,552,000 | $ 615,000 |
| Carter County Kentucky | 2 | $ 140,000 | $ 70,000 | $ 57,000 |
| Lawrence County Kentucky | 2 | $ 156,000 | $ 78,000 | $ 97,000 |
| Menifee County Kentucky | 2 | $ 261,000 | $ 130,000 | $ 107,000 |
| Worcester County Maryland | 2 | $ 531,000 | $ 265,000 | $ 126,000 |
| St. Charles County Missouri | 2 | $ 189,000 | $ 94,000 | $ 71,000 |
| Santa Fe County New Mexico | 2 | $ 2,472,000 | $ 1,236,000 | $ 1,104,000 |
| Genesee County New York | 2 | $ 21,000 | $ 10,000 | $ 26,000 |
| Livingston County New York | 2 | $ 16,000 | $ 8,000 | $ 73,000 |
| Steuben County New York | 2 | $ 14,000 | $ 7,000 | $ 23,000 |
| Ashtabula County Ohio | 2 | $ 10,000 | $ 5,000 | $ 21,000 |
| Franklin County Ohio | 2 | $ 386,000 | $ 193,000 | $ 91,000 |
| Monroe County Ohio | 2 | $ 130,000 | $ 65,000 | $ 35,000 |
| Perry County Ohio | 2 | $ 13,000 | $ 6,000 | $ 18,000 |
| Berks County Pennsylvania | 2 | $ 12,000 | $ 6,000 | $ 34,000 |
| Bradford County Pennsylvania | 2 | $ 11,000 | $ 5,000 | $ 51,000 |
| Chester County Pennsylvania | 2 | $ 14,000 | $ 7,000 | $ 64,000 |
| Elk County Pennsylvania | 2 | $ 11,000 | $ 5,000 | $ 12,000 |
| Lawrence County Pennsylvania | 2 | $ 34,000 | $ 17,000 | $ 26,000 |
| Lehigh County Pennsylvania | 2 | $ 12,000 | $ 6,000 | $ 40,000 |
| McKean County Pennsylvania | 2 | $ 12,000 | $ 6,000 | $ 72,000 |
| Northampton County Pennsylvania | 2 | $ 13,000 | $ 6,000 | $ 80,000 |
| Beaufort County South Carolina | 2 | $ 515,000 | $ 257,000 | $ 81,000 |
| Fairfax City County Virginia | 2 | $ 407,000 | $ 203,000 | $ 117,000 |
| Frederick County Virginia | 2 | $ 266,000 | $ 133,000 | $ 70,000 |
| Roanoke City County Virginia | 2 | $ 132,000 | $ 66,000 | $ 33,000 |
| Washington County Virginia | 2 | $ 86,000 | $ 43,000 | $ 72,000 |
| Hampshire County West Virginia | 2 | $ 104,000 | $ 52,000 | $ 18,000 |
| Wetzel County West Virginia | 2 | $ 35,000 | $ 17,000 | $ 63,000 |
| Jefferson County Alabama | 1 | $ 79,000 | $ 79,000 | $ 50,000 |
| Riverside County California | 1 | $ 322,000 | $ 322,000 | $ 163,000 |
| San Diego County California | 1 | $ 416,000 | $ 416,000 | $ 994,000 |
| Sussex County Delaware | 1 | $ 968,000 | $ 968,000 | $ 726,000 |
| Charlotte County Florida | 1 | $ 26,000 | $ 26,000 | $ 34,000 |
| Orange County Florida | 1 | $ 257,000 | $ 257,000 | $ 252,000 |
| Osceola County Florida | 1 | $ 408,000 | $ 408,000 | $ 524,000 |
| Pinellas County Florida | 1 | $ 25,000 | $ 25,000 | $ 58,000 |
| Seminole County Florida | 1 | $ 51,000 | $ 51,000 | $ 89,000 |
| Chatham County Georgia | 1 | $ 680,000 | $ 680,000 | $ 0 |
| Teton County Idaho | 1 | $ 220,000 | $ 220,000 | $ 48,000 |
| Johnson County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Martin County Kentucky | 1 | $ 43,000 | $ 43,000 | $ 30,000 |
| Whitley County Kentucky | 1 | $ 47,000 | $ 47,000 | $ 122,000 |
| Anne Arundel County Maryland | 1 | $ 80,000 | $ 80,000 | $ 55,000 |
| Baltimore City County Maryland | 1 | $ 20,000 | $ 20,000 | $ 41,000 |
| Cecil County Maryland | 1 | $ 8,000 | $ 8,000 | $ 66,000 |
| Charles County Maryland | 1 | $ 14,000 | $ 14,000 | $ 79,000 |
| Frederick County Maryland | 1 | $ 156,000 | $ 156,000 | $ 216,000 |
| Prince George's County Maryland | 1 | $ 52,000 | $ 52,000 | $ 240,000 |
| Talbot County Maryland | 1 | $ 1,000,000 | $ 1,000,000 | $ 358,000 |
| Oakland County Michigan | 1 | $ 101,000 | $ 101,000 | $ 140,000 |
| Clark County Nevada | 1 | $ 456,000 | $ 456,000 | $ 93,000 |
| Cattaraugus County New York | 1 | $ 15,000 | $ 15,000 | $ 27,000 |
| Niagara County New York | 1 | $ 8,000 | $ 8,000 | $ 70,000 |
| Seneca County New York | 1 | $ 7,000 | $ 7,000 | $ 38,000 |
| Yates County New York | 1 | $ 9,000 | $ 9,000 | $ 20,000 |
| Davidson County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 47,000 |
| Mecklenburg County North Carolina | 1 | $ 225,000 | $ 225,000 | $ 2,152,000 |
| Pender County North Carolina | 1 | $ 38,000 | $ 38,000 | $ 240,000 |
| Rowan County North Carolina | 1 | $ 45,000 | $ 45,000 | $ 13,000 |
| Surry County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 23,000 |
| Union County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 8,000 |
| Yancey County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 7,000 |
| Clark County Ohio | 1 | $ 4,000 | $ 4,000 | $ 22,000 |
| Fairfield County Ohio | 1 | $ 50,000 | $ 50,000 | $ 83,000 |
| Fayette County Ohio | 1 | $ 12,000 | $ 12,000 | $ 41,000 |
| Lorain County Ohio | 1 | $ 7,000 | $ 7,000 | $ 27,000 |
| Marion County Ohio | 1 | $ 11,000 | $ 11,000 | $ 30,000 |
| Morgan County Ohio | 1 | $ 78,000 | $ 78,000 | $ 54,000 |
| Richland County Ohio | 1 | $ 80,000 | $ 80,000 | $ 338,000 |
| Ross County Ohio | 1 | $ 8,000 | $ 8,000 | $ 22,000 |
| Tuscarawas County Ohio | 1 | $ 5,000 | $ 5,000 | $ 24,000 |
| Clearfield County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Clinton County Pennsylvania | 1 | $ 3,000 | $ 3,000 | $ 14,000 |
| Cumberland County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 55,000 |
| Delaware County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 204,000 |
| Franklin County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Jefferson County Pennsylvania | 1 | $ 13,000 | $ 13,000 | $ 43,000 |
| Luzerne County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 61,000 |
| Montgomery County Pennsylvania | 1 | $ 10,000 | $ 10,000 | $ 12,000 |
| Schuylkill County Pennsylvania | 1 | $ 9,000 | $ 9,000 | $ 79,000 |
| Warren County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 12,000 |
| Bedford County Tennessee | 1 | $ 488,000 | $ 488,000 | $ 211,000 |
| Summit County Utah | 1 | $ 218,000 | $ 218,000 | $ 90,000 |
| Albemarle County Virginia | 1 | $ 3,000 | $ 3,000 | $ 17,000 |
| Alleghany County Virginia | 1 | $ 4,000 | $ 4,000 | $ 62,000 |
| Bland County Virginia | 1 | $ 80,000 | $ 80,000 | $ 75,000 |
| Falls Church County Virginia | 1 | $ 600,000 | $ 600,000 | $ 179,000 |
| Henrico County Virginia | 1 | $ 142,000 | $ 142,000 | $ 835,000 |
| Manassas County Virginia | 1 | $ 112,000 | $ 112,000 | $ 84,000 |
| Shenandoah County Virginia | 1 | $ 100,000 | $ 100,000 | $ 126,000 |
| Pocahontas County West Virginia | 1 | $ 428,000 | $ 428,000 | $ 473,000 |
| Dane County Wisconsin | 1 | $ 204,000 | $ 204,000 | $ 272,000 |
Mortgage Loan Application Detail Totals for United Bank Inc 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 |
|---|---|---|---|---|---|---|
| Home Purchase | 1,855 | $228,291,000 | $275,100 | $1,950,000 | $164,650 | $1,230,000 |
| Refinancing | 1,464 | $147,912,000 | $338,230 | $3,353,000 | $290,153 | $2,941,000 |
| Home Improvement | 1,436 | $22,570,000 | $20,800 | $1,500,000 | $61,000 | $608,000 |
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 | 4,329 | $331,744,000 | $274,750 | $2,575,000 | $186,000 | $2,941,000 |
| Not Provided | 126 | $18,888,000 | $187,571 | $1,084,000 | $107,714 | $808,000 |
| Black or African American | 109 | $3,192,000 | $75,333 | $344,000 | $93,666 | $383,000 |
| Not applicable | 99 | $27,093,000 | $667,800 | $3,353,000 | $4,400 | $473,000 |
| Asian | 50 | $13,593,000 | $227,333 | $1,253,000 | $145,333 | $672,000 |
| Hispanic | 28 | $3,229,000 | $152,428 | $586,000 | $91,571 | $500,000 |
| American Indian or Alaskan Native | 8 | $310,000 | $23,666 | $110,000 | $67,666 | $287,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $724,000 | $170,333 | $416,000 | $385,000 | $994,000 |
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) | 4,076 | $391,728,000 | $304,416 | $3,353,000 | $221,375 | $2,941,000 |
| FHA-insured (Federal Housing Administration) | 671 | $6,508,000 | $8,714 | $33,000 | $35,857 | $170,000 |
| VA-guaranteed (Veterans Administration) | 8 | $537,000 | $67,000 | $95,000 | $43,000 | $98,000 |
| 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 | 3,434 | $303,897,000 | $262,333 | $3,353,000 | $198,095 | $2,941,000 |
| Application Denied By Financial Institution | 777 | $27,821,000 | $36,000 | $311,000 | $47,300 | $176,000 |
| Application Withdrawn By Applicant | 316 | $21,576,000 | $54,444 | $1,190,000 | $49,777 | $588,000 |
| Loan Purchased By The Institution | 125 | $43,594,000 | $483,500 | $1,253,000 | $329,000 | $808,000 |
| Application Approved But Not Accepted | 98 | $1,514,000 | $13,600 | $200,000 | $43,400 | $103,000 |
| File Closed For Incompleteness | 4 | $241,000 | $60,000 | $95,000 | $22,000 | $65,000 |
| Preapproval Approved but not Accepted | 1 | $130,000 | $130,000 | $130,000 | $41,000 | $41,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 557 | $19,550,000 | $34,625 | $270,000 | $39,375 | $144,000 |
| Debt-To-Income Ratio | 129 | $4,210,000 | $29,875 | $311,000 | $34,125 | $176,000 |
| Collateral | 34 | $1,788,000 | $72,000 | $208,000 | $64,333 | $145,000 |
| Other | 23 | $782,000 | $42,800 | $91,000 | $54,800 | $100,000 |
| Employment History | 20 | $859,000 | $55,666 | $153,000 | $38,666 | $49,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $331,000 | $55,000 | $83,000 | $31,000 | $47,000 |
| Credit Application Incomplete | 5 | $247,000 | $47,000 | $115,000 | $29,000 | $42,000 |
| Unverifiable Information | 2 | $47,000 | $23,000 | $43,000 | $66,000 | $82,000 |
| Mortgage Insurance Denied | 1 | $7,000 | $7,000 | $7,000 | $8,000 | $8,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank Inc'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 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.
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with aggregated HMDA statistics today.