United Bank Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
United Bank Inc 2005 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 | 3,664 |
| Total Mortgage Loan Application Amount | $308,051,000 |
| Average Mortgage Loan Application Amount | $180,090 |
| Highest Mortgage Loan Application Amount | $4,000,000 |
| Average Applicant Income | $126,060 |
| Highest Applicant Income | $2,099,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 419 | $ 53,625,000 | $ 127,000 | $ 70,000 |
| Monongalia County West Virginia | 261 | $ 30,560,000 | $ 117,000 | $ 63,000 |
| Wood County West Virginia | 257 | $ 26,161,000 | $ 101,000 | $ 55,000 |
| Raleigh County West Virginia | 192 | $ 21,157,000 | $ 110,000 | $ 70,000 |
| Jackson County West Virginia | 183 | $ 9,957,000 | $ 54,000 | $ 69,000 |
| Fayette County West Virginia | 174 | $ 9,721,000 | $ 55,000 | $ 67,000 |
| Cabell County West Virginia | 122 | $ 14,038,000 | $ 115,000 | $ 77,000 |
| Webster County West Virginia | 121 | $ 3,547,000 | $ 29,000 | $ 39,000 |
| Ohio County West Virginia | 98 | $ 6,860,000 | $ 70,000 | $ 56,000 |
| Putnam County West Virginia | 87 | $ 13,224,000 | $ 152,000 | $ 61,000 |
| Nicholas County West Virginia | 81 | $ 5,340,000 | $ 65,000 | $ 50,000 |
| Wayne County West Virginia | 81 | $ 5,384,000 | $ 66,000 | $ 45,000 |
| Lewis County West Virginia | 80 | $ 4,604,000 | $ 57,000 | $ 40,000 |
| Logan County West Virginia | 71 | $ 3,945,000 | $ 55,000 | $ 52,000 |
| Marshall County West Virginia | 69 | $ 3,184,000 | $ 46,000 | $ 73,000 |
| Harrison County West Virginia | 68 | $ 2,081,000 | $ 30,000 | $ 45,000 |
| Belmont County Ohio | 67 | $ 4,385,000 | $ 65,000 | $ 122,000 |
| Jefferson County West Virginia | 59 | $ 7,531,000 | $ 127,000 | $ 77,000 |
| Marion County West Virginia | 52 | $ 3,166,000 | $ 60,000 | $ 45,000 |
| Washington County Ohio | 48 | $ 4,101,000 | $ 85,000 | $ 47,000 |
| Gilmer County West Virginia | 44 | $ 2,606,000 | $ 59,000 | $ 51,000 |
| Allegheny County Pennsylvania | 43 | $ 1,152,000 | $ 26,000 | $ 66,000 |
| Greenbrier County West Virginia | 39 | $ 13,030,000 | $ 334,000 | $ 186,000 |
| Preston County West Virginia | 37 | $ 2,861,000 | $ 77,000 | $ 34,000 |
| Berkeley County West Virginia | 28 | $ 2,635,000 | $ 94,000 | $ 50,000 |
| Hancock County West Virginia | 27 | $ 1,576,000 | $ 58,000 | $ 66,000 |
| Upshur County West Virginia | 27 | $ 1,110,000 | $ 41,000 | $ 55,000 |
| Fayette County Pennsylvania | 26 | $ 702,000 | $ 27,000 | $ 34,000 |
| Lawrence County Ohio | 25 | $ 2,693,000 | $ 107,000 | $ 57,000 |
| Summit County Ohio | 25 | $ 276,000 | $ 11,000 | $ 36,000 |
| Roane County West Virginia | 25 | $ 1,477,000 | $ 59,000 | $ 46,000 |
| Chautauqua County New York | 24 | $ 239,000 | $ 9,000 | $ 27,000 |
| Franklin County Ohio | 24 | $ 337,000 | $ 14,000 | $ 44,000 |
| Washington County Pennsylvania | 24 | $ 918,000 | $ 38,000 | $ 44,000 |
| Boone County West Virginia | 24 | $ 1,399,000 | $ 58,000 | $ 54,000 |
| Mercer County West Virginia | 22 | $ 2,478,000 | $ 112,000 | $ 108,000 |
| Westmoreland County Pennsylvania | 21 | $ 233,000 | $ 11,000 | $ 43,000 |
| Braxton County West Virginia | 21 | $ 1,051,000 | $ 50,000 | $ 37,000 |
| Monroe County New York | 20 | $ 164,000 | $ 8,000 | $ 64,000 |
| York County Pennsylvania | 20 | $ 114,000 | $ 5,000 | $ 39,000 |
| Taylor County West Virginia | 20 | $ 697,000 | $ 34,000 | $ 45,000 |
| Tuscarawas County Ohio | 17 | $ 154,000 | $ 9,000 | $ 32,000 |
| Greene County Pennsylvania | 17 | $ 230,000 | $ 13,000 | $ 85,000 |
| Jefferson County Ohio | 16 | $ 639,000 | $ 39,000 | $ 47,000 |
| McKean County Pennsylvania | 15 | $ 144,000 | $ 9,000 | $ 31,000 |
| Mason County West Virginia | 15 | $ 818,000 | $ 54,000 | $ 41,000 |
| Randolph County West Virginia | 15 | $ 455,000 | $ 30,000 | $ 51,000 |
| Stark County Ohio | 13 | $ 122,000 | $ 9,000 | $ 26,000 |
| Brooke County West Virginia | 13 | $ 1,085,000 | $ 83,000 | $ 54,000 |
| Lincoln County West Virginia | 12 | $ 1,239,000 | $ 103,000 | $ 68,000 |
| Columbiana County Ohio | 11 | $ 109,000 | $ 9,000 | $ 33,000 |
| Tucker County West Virginia | 11 | $ 1,100,000 | $ 100,000 | $ 73,000 |
| Erie County New York | 9 | $ 78,000 | $ 8,000 | $ 38,000 |
| Cuyahoga County Ohio | 9 | $ 124,000 | $ 13,000 | $ 51,000 |
| Beaver County Pennsylvania | 9 | $ 106,000 | $ 11,000 | $ 40,000 |
| Wetzel County West Virginia | 9 | $ 603,000 | $ 67,000 | $ 46,000 |
| Wyoming County West Virginia | 9 | $ 545,000 | $ 60,000 | $ 68,000 |
| Athens County Ohio | 8 | $ 207,000 | $ 25,000 | $ 45,000 |
| Venango County Pennsylvania | 8 | $ 75,000 | $ 9,000 | $ 31,000 |
| Barbour County West Virginia | 8 | $ 409,000 | $ 51,000 | $ 44,000 |
| Clay County West Virginia | 8 | $ 503,000 | $ 62,000 | $ 82,000 |
| Monroe County West Virginia | 8 | $ 1,424,000 | $ 178,000 | $ 79,000 |
| Ritchie County West Virginia | 8 | $ 743,000 | $ 92,000 | $ 56,000 |
| Meigs County Ohio | 7 | $ 614,000 | $ 87,000 | $ 63,000 |
| Erie County Pennsylvania | 7 | $ 56,000 | $ 8,000 | $ 31,000 |
| Tazewell County Virginia | 7 | $ 823,000 | $ 117,000 | $ 69,000 |
| Pocahontas County West Virginia | 7 | $ 989,000 | $ 141,000 | $ 87,000 |
| Wirt County West Virginia | 7 | $ 246,000 | $ 35,000 | $ 94,000 |
| Garrett County Maryland | 6 | $ 229,000 | $ 38,000 | $ 64,000 |
| Gallia County Ohio | 6 | $ 118,000 | $ 19,000 | $ 64,000 |
| Clarion County Pennsylvania | 6 | $ 46,000 | $ 7,000 | $ 27,000 |
| Mingo County West Virginia | 6 | $ 368,000 | $ 61,000 | $ 77,000 |
| Licking County Ohio | 5 | $ 31,000 | $ 6,000 | $ 56,000 |
| Lawrence County Pennsylvania | 5 | $ 61,000 | $ 12,000 | $ 55,000 |
| Boyd County Kentucky | 4 | $ 303,000 | $ 75,000 | $ 68,000 |
| Clark County Ohio | 4 | $ 25,000 | $ 6,000 | $ 59,000 |
| Indiana County Pennsylvania | 4 | $ 23,000 | $ 5,000 | $ 20,000 |
| Jefferson County Pennsylvania | 4 | $ 40,000 | $ 10,000 | $ 26,000 |
| Calhoun County West Virginia | 4 | $ 264,000 | $ 66,000 | $ 60,000 |
| Mineral County West Virginia | 4 | $ 100,000 | $ 25,000 | $ 34,000 |
| Pleasants County West Virginia | 4 | $ 202,000 | $ 50,000 | $ 112,000 |
| Summers County West Virginia | 4 | $ 420,000 | $ 105,000 | $ 99,000 |
| District of Columbia County District Of Columbia | 3 | $ 2,220,000 | $ 740,000 | $ 294,000 |
| Broward County Florida | 3 | $ 1,597,000 | $ 532,000 | $ 212,000 |
| Palm Beach County Florida | 3 | $ 4,514,000 | $ 1,504,000 | $ 768,000 |
| Lawrence County Kentucky | 3 | $ 273,000 | $ 91,000 | $ 132,000 |
| Allegany County Maryland | 3 | $ 23,000 | $ 7,000 | $ 25,000 |
| Yadkin County North Carolina | 3 | $ 12,000 | $ 4,000 | $ 35,000 |
| Harrison County Ohio | 3 | $ 172,000 | $ 57,000 | $ 28,000 |
| Lake County Ohio | 3 | $ 23,000 | $ 7,000 | $ 22,000 |
| Richland County Ohio | 3 | $ 278,000 | $ 92,000 | $ 36,000 |
| Cambria County Pennsylvania | 3 | $ 14,000 | $ 4,000 | $ 24,000 |
| Mercer County Pennsylvania | 3 | $ 55,000 | $ 18,000 | $ 36,000 |
| Somerset County Pennsylvania | 3 | $ 20,000 | $ 6,000 | $ 18,000 |
| Frederick County Virginia | 3 | $ 434,000 | $ 144,000 | $ 131,000 |
| St. Johns County Florida | 2 | $ 2,407,000 | $ 1,203,000 | $ 1,230,000 |
| Cook County Illinois | 2 | $ 1,050,000 | $ 525,000 | $ 676,000 |
| Greenup County Kentucky | 2 | $ 136,000 | $ 68,000 | $ 84,000 |
| Cattaraugus County New York | 2 | $ 19,000 | $ 9,000 | $ 29,000 |
| Livingston County New York | 2 | $ 20,000 | $ 10,000 | $ 56,000 |
| Wayne County New York | 2 | $ 18,000 | $ 9,000 | $ 94,000 |
| Davidson County North Carolina | 2 | $ 7,000 | $ 3,000 | $ 26,000 |
| Gaston County North Carolina | 2 | $ 142,000 | $ 71,000 | $ 38,000 |
| Stokes County North Carolina | 2 | $ 54,000 | $ 27,000 | $ 15,000 |
| Warren County North Carolina | 2 | $ 6,000 | $ 3,000 | $ 36,000 |
| Carroll County Ohio | 2 | $ 15,000 | $ 7,000 | $ 25,000 |
| Delaware County Ohio | 2 | $ 138,000 | $ 69,000 | $ 152,000 |
| Guernsey County Ohio | 2 | $ 38,000 | $ 19,000 | $ 80,000 |
| Mahoning County Ohio | 2 | $ 11,000 | $ 5,000 | $ 22,000 |
| Pickaway County Ohio | 2 | $ 9,000 | $ 4,000 | $ 32,000 |
| Portage County Ohio | 2 | $ 17,000 | $ 8,000 | $ 40,000 |
| Trumbull County Ohio | 2 | $ 12,000 | $ 6,000 | $ 31,000 |
| Bedford County Pennsylvania | 2 | $ 10,000 | $ 5,000 | $ 23,000 |
| Berks County Pennsylvania | 2 | $ 11,000 | $ 5,000 | $ 57,000 |
| Blair County Pennsylvania | 2 | $ 8,000 | $ 4,000 | $ 25,000 |
| Bucks County Pennsylvania | 2 | $ 316,000 | $ 158,000 | $ 72,000 |
| Butler County Pennsylvania | 2 | $ 312,000 | $ 156,000 | $ 216,000 |
| Horry County South Carolina | 2 | $ 745,000 | $ 372,000 | $ 159,000 |
| Carroll County Virginia | 2 | $ 150,000 | $ 75,000 | $ 49,000 |
| Roanoke County Virginia | 2 | $ 106,000 | $ 53,000 | $ 58,000 |
| Roanoke City County Virginia | 2 | $ 12,000 | $ 6,000 | $ 38,000 |
| Salem County Virginia | 2 | $ 126,000 | $ 63,000 | $ 38,000 |
| Tyler County West Virginia | 2 | $ 152,000 | $ 76,000 | $ 68,000 |
| Maricopa County Arizona | 1 | $ 600,000 | $ 600,000 | $ 285,000 |
| Mohave County Arizona | 1 | $ 65,000 | $ 65,000 | $ 44,000 |
| Duval County Florida | 1 | $ 100,000 | $ 100,000 | $ 36,000 |
| Pinellas County Florida | 1 | $ 309,000 | $ 309,000 | $ 153,000 |
| Chatham County Georgia | 1 | $ 75,000 | $ 75,000 | $ 213,000 |
| Fulton County Georgia | 1 | $ 39,000 | $ 39,000 | $ 39,000 |
| Carter County Kentucky | 1 | $ 160,000 | $ 160,000 | $ 87,000 |
| Orleans County Louisiana | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Dorchester County Maryland | 1 | $ 25,000 | $ 25,000 | $ 49,000 |
| Frederick County Maryland | 1 | $ 200,000 | $ 200,000 | $ 64,000 |
| Washington County Maryland | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Cape May County New Jersey | 1 | $ 580,000 | $ 580,000 | $ 435,000 |
| Niagara County New York | 1 | $ 9,000 | $ 9,000 | $ 89,000 |
| Orleans County New York | 1 | $ 9,000 | $ 9,000 | $ 71,000 |
| Steuben County New York | 1 | $ 10,000 | $ 10,000 | $ 49,000 |
| Wyoming County New York | 1 | $ 7,000 | $ 7,000 | $ 41,000 |
| Bladen County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 19,000 |
| Brunswick County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 18,000 |
| Cherokee County North Carolina | 1 | $ 2,000 | $ 2,000 | $ 31,000 |
| Columbus County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 27,000 |
| Duplin County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 27,000 |
| Halifax County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 65,000 |
| Iredell County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 52,000 |
| Jones County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Mecklenburg County North Carolina | 1 | $ 240,000 | $ 240,000 | $ 0 |
| Robeson County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 26,000 |
| Rutherford County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 36,000 |
| Stanly County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 23,000 |
| Surry County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 50,000 |
| Union County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 17,000 |
| Wake County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 281,000 |
| Wayne County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 29,000 |
| Coshocton County Ohio | 1 | $ 2,000 | $ 2,000 | $ 38,000 |
| Fairfield County Ohio | 1 | $ 15,000 | $ 15,000 | $ 45,000 |
| Fayette County Ohio | 1 | $ 11,000 | $ 11,000 | $ 121,000 |
| Medina County Ohio | 1 | $ 164,000 | $ 164,000 | $ 76,000 |
| Sandusky County Ohio | 1 | $ 98,000 | $ 98,000 | $ 0 |
| Scioto County Ohio | 1 | $ 90,000 | $ 90,000 | $ 84,000 |
| Armstrong County Pennsylvania | 1 | $ 6,000 | $ 6,000 | $ 28,000 |
| Chester County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 93,000 |
| Clearfield County Pennsylvania | 1 | $ 6,000 | $ 6,000 | $ 35,000 |
| Cumberland County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 35,000 |
| Franklin County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 30,000 |
| Huntingdon County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 13,000 |
| Mifflin County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 16,000 |
| Georgetown County South Carolina | 1 | $ 277,000 | $ 277,000 | $ 0 |
| Davidson County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 39,000 |
| Appomattox County Virginia | 1 | $ 60,000 | $ 60,000 | $ 0 |
| Bath County Virginia | 1 | $ 130,000 | $ 130,000 | $ 95,000 |
| Bedford County Virginia | 1 | $ 380,000 | $ 380,000 | $ 0 |
| Hanover County Virginia | 1 | $ 300,000 | $ 300,000 | $ 207,000 |
| Henrico County Virginia | 1 | $ 300,000 | $ 300,000 | $ 59,000 |
| Loudoun County Virginia | 1 | $ 410,000 | $ 410,000 | $ 105,000 |
| Prince William County Virginia | 1 | $ 300,000 | $ 300,000 | $ 960,000 |
| Pulaski County Virginia | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Smyth County Virginia | 1 | $ 31,000 | $ 31,000 | $ 74,000 |
| Washington County Virginia | 1 | $ 34,000 | $ 34,000 | $ 76,000 |
| Doddridge County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 21,000 |
| Hampshire County West Virginia | 1 | $ 138,000 | $ 138,000 | $ 53,000 |
| McDowell County West Virginia | 1 | $ 43,000 | $ 43,000 | $ 58,000 |
| Morgan County West Virginia | 1 | $ 201,000 | $ 201,000 | $ 80,000 |
Mortgage Loan Application Detail Totals for United Bank Inc in 2005
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 Improvement | 1,336 | $22,281,000 | $18,222 | $1,800,000 | $61,222 | $748,000 |
| Home Purchase | 1,274 | $167,415,000 | $303,266 | $4,000,000 | $181,533 | $2,099,000 |
| Refinancing | 1,054 | $118,355,000 | $136,666 | $3,329,000 | $98,444 | $1,342,000 |
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 | 3,405 | $273,659,000 | $240,000 | $4,000,000 | $166,555 | $2,099,000 |
| Black or African American | 94 | $3,120,000 | $51,000 | $404,000 | $57,857 | $225,000 |
| Not applicable | 83 | $21,199,000 | $241,666 | $3,329,000 | $7,333 | $1,342,000 |
| Not Provided | 30 | $2,121,000 | $123,333 | $935,000 | $95,166 | $305,000 |
| Hispanic | 22 | $3,079,000 | $82,200 | $1,000,000 | $69,000 | $533,000 |
| Asian | 20 | $4,198,000 | $228,250 | $1,300,000 | $199,000 | $1,172,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $631,000 | $105,000 | $164,000 | $138,000 | $278,000 |
| American Indian or Alaskan Native | 4 | $44,000 | $9,500 | $19,000 | $43,000 | $80,000 |
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) | 3,006 | $301,723,000 | $266,176 | $4,000,000 | $172,647 | $2,099,000 |
| FHA-insured (Federal Housing Administration) | 653 | $5,975,000 | $7,714 | $70,000 | $37,714 | $197,000 |
| VA-guaranteed (Veterans Administration) | 5 | $353,000 | $70,000 | $102,000 | $51,000 | $87,000 |
| 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 | 2,727 | $271,944,000 | $247,529 | $4,000,000 | $169,411 | $2,099,000 |
| Application Denied By Financial Institution | 605 | $19,462,000 | $21,444 | $488,000 | $35,000 | $197,000 |
| Application Withdrawn By Applicant | 251 | $15,679,000 | $53,428 | $660,000 | $66,428 | $248,000 |
| Application Approved But Not Accepted | 80 | $941,000 | $7,142 | $156,000 | $39,142 | $176,000 |
| File Closed For Incompleteness | 1 | $25,000 | $25,000 | $25,000 | $58,000 | $58,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Credit History | 423 | $11,650,000 | $24,333 | $488,000 | $37,000 | $174,000 |
| Debt-To-Income Ratio | 127 | $3,682,000 | $22,714 | $292,000 | $29,285 | $177,000 |
| Collateral | 29 | $2,959,000 | $171,000 | $360,000 | $95,500 | $197,000 |
| Other | 10 | $455,000 | $20,250 | $118,000 | $32,250 | $105,000 |
| Employment History | 9 | $450,000 | $50,000 | $200,000 | $41,000 | $82,000 |
| Unverifiable Information | 4 | $62,000 | $15,500 | $40,000 | $64,500 | $197,000 |
| Credit Application Incomplete | 2 | $96,000 | $48,000 | $95,000 | $35,000 | $45,000 |
| Mortgage Insurance Denied | 1 | $108,000 | $108,000 | $108,000 | $55,000 | $55,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank Inc's 2005 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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