United Bank Inc Mortgage Lending & HMDA Data, 2006

In 2006, United Bank Inc of Parkersburg, WV reported 3,151 mortgage applications totaling $274.3 million, down 14% from 2005. The average application was for $87,046, and applicants reported an average income of $84,287. 75% of its applications resulted in an originated loan and 16% were denied. Its largest markets were Charleston, WV (471), Wheeling, WV-OH (283) and Parkersburg-Marietta-Vienna, WV-OH (259) (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 3,151
Total Mortgage Loan Application Amount $274,283,000
Average Mortgage Loan Application Amount $87,046
Highest Mortgage Loan Application Amount $7,700,000
Average Applicant Income $84,287
Highest Applicant Income $9,999,000

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Act (HMDA) records United Bank Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for United Bank Inc by County in 2006

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 363 $ 53,434,000 $ 147,201 $ 99,000
Wood, West Virginia 220 $ 21,108,000 $ 95,945 $ 83,000
Monongalia, West Virginia 219 $ 43,915,000 $ 200,525 $ 115,000
Jackson, West Virginia 141 $ 5,755,000 $ 40,815 $ 53,000
Raleigh, West Virginia 138 $ 11,788,000 $ 85,420 $ 80,000
Webster, West Virginia 138 $ 4,008,000 $ 29,043 $ 55,000
Ohio, West Virginia 124 $ 12,994,000 $ 104,790 $ 83,000
Fayette, West Virginia 116 $ 6,798,000 $ 58,603 $ 64,000
Cabell, West Virginia 100 $ 8,268,000 $ 82,680 $ 96,000
Marshall, West Virginia 94 $ 4,395,000 $ 46,755 $ 55,000
Lewis, West Virginia 83 $ 4,716,000 $ 56,819 $ 64,000
Wayne, West Virginia 72 $ 4,084,000 $ 56,722 $ 57,000
Putnam, West Virginia 68 $ 8,419,000 $ 123,808 $ 110,000
Belmont, Ohio 65 $ 3,133,000 $ 48,200 $ 59,000
Stark, Ohio 64 $ 666,000 $ 10,406 $ 47,000
Harrison, West Virginia 62 $ 4,079,000 $ 65,790 $ 67,000
Nicholas, West Virginia 59 $ 3,945,000 $ 66,864 $ 83,000
Logan, West Virginia 54 $ 2,992,000 $ 55,407 $ 60,000
Jefferson, West Virginia 45 $ 4,617,000 $ 102,600 $ 109,000
Marion, West Virginia 44 $ 1,986,000 $ 45,136 $ 58,000
Allegheny, Pennsylvania 37 $ 991,000 $ 26,783 $ 38,000
Gilmer, West Virginia 37 $ 2,413,000 $ 65,216 $ 65,000
Greenbrier, West Virginia 29 $ 13,584,000 $ 468,413 $ 442,000
Washington, Ohio 27 $ 2,581,000 $ 95,592 $ 85,000
Hancock, West Virginia 27 $ 1,706,000 $ 63,185 $ 85,000
Chautauqua, New York 26 $ 311,000 $ 11,961 $ 44,000
Preston, West Virginia 26 $ 1,518,000 $ 58,384 $ 47,000
Lawrence, Ohio 24 $ 2,081,000 $ 86,708 $ 78,000
Westmoreland, Pennsylvania 22 $ 264,000 $ 12,000 $ 37,000
Berkeley, West Virginia 22 $ 1,498,000 $ 68,090 $ 57,000
Upshur, West Virginia 22 $ 908,000 $ 41,272 $ 68,000
Erie, Pennsylvania 21 $ 157,000 $ 7,476 $ 32,000
Boone, West Virginia 21 $ 1,038,000 $ 49,428 $ 67,000
Tuscarawas, Ohio 20 $ 174,000 $ 8,700 $ 37,000
Columbiana, Ohio 17 $ 134,000 $ 7,882 $ 46,000
Blair, Pennsylvania 17 $ 168,000 $ 9,882 $ 36,000
Fayette, Pennsylvania 16 $ 632,000 $ 39,500 $ 46,000
Jefferson, Ohio 15 $ 931,000 $ 62,066 $ 90,000
York, Pennsylvania 15 $ 121,000 $ 8,066 $ 54,000
Braxton, West Virginia 15 $ 533,000 $ 35,533 $ 42,000
Indiana, Pennsylvania 13 $ 92,000 $ 7,076 $ 32,000
Randolph, West Virginia 12 $ 392,000 $ 32,666 $ 113,000
Clay, West Virginia 11 $ 641,000 $ 58,272 $ 57,000
Mineral, West Virginia 11 $ 153,000 $ 13,909 $ 31,000
Taylor, West Virginia 11 $ 541,000 $ 49,181 $ 36,000
Barbour, West Virginia 10 $ 462,000 $ 46,200 $ 36,000
Brooke, West Virginia 10 $ 468,000 $ 46,800 $ 36,000
Roane, West Virginia 10 $ 759,000 $ 75,900 $ 53,000
Athens, Ohio 9 $ 591,000 $ 65,666 $ 62,000
Richland, Ohio 9 $ 459,000 $ 51,000 $ 92,000
Beaver, Pennsylvania 8 $ 135,000 $ 16,875 $ 46,000
Somerset, Pennsylvania 8 $ 75,000 $ 9,375 $ 59,000
Washington, Pennsylvania 8 $ 88,000 $ 11,000 $ 53,000
Lincoln, West Virginia 8 $ 982,000 $ 122,750 $ 60,000
Wirt, West Virginia 8 $ 639,000 $ 79,875 $ 73,000
Guernsey, Ohio 7 $ 215,000 $ 30,714 $ 72,000
Mahoning, Ohio 7 $ 86,000 $ 12,285 $ 39,000
Mercer, Pennsylvania 7 $ 70,000 $ 10,000 $ 30,000
Calhoun, West Virginia 7 $ 253,000 $ 36,142 $ 65,000
Mason, West Virginia 7 $ 240,000 $ 34,285 $ 57,000
Mercer, West Virginia 7 $ 859,000 $ 122,714 $ 72,000
Wyoming, West Virginia 7 $ 577,000 $ 82,428 $ 73,000
Allegany, Maryland 6 $ 33,000 $ 5,500 $ 51,000
Cuyahoga, Ohio 6 $ 224,000 $ 37,333 $ 40,000
Armstrong, Pennsylvania 6 $ 73,000 $ 12,166 $ 58,000
Monroe, West Virginia 6 $ 1,440,000 $ 240,000 $ 118,000
Gallia, Ohio 5 $ 174,000 $ 34,800 $ 33,000
Summit, Ohio 5 $ 298,000 $ 59,600 $ 46,000
Horry, South Carolina 5 $ 1,185,000 $ 237,000 $ 1,628,000
Ritchie, West Virginia 5 $ 265,000 $ 53,000 $ 44,000
Garrett, Maryland 4 $ 83,000 $ 20,750 $ 41,000
Medina, Ohio 4 $ 45,000 $ 11,250 $ 67,000
Monroe, Ohio 4 $ 43,000 $ 10,750 $ 30,000
Butler, Pennsylvania 4 $ 28,000 $ 7,000 $ 44,000
Cambria, Pennsylvania 4 $ 37,000 $ 9,250 $ 25,000
Greene, Pennsylvania 4 $ 173,000 $ 43,250 $ 55,000
Pleasants, West Virginia 4 $ 140,000 $ 35,000 $ 60,000
Pocahontas, West Virginia 4 $ 770,000 $ 192,500 $ 376,000
Tyler, West Virginia 4 $ 18,000 $ 4,500 $ 11,000
Maricopa, Arizona 3 $ 1,639,000 $ 546,333 $ 104,000
Boyd, Kentucky 3 $ 139,000 $ 46,333 $ 59,000
Alamance, North Carolina 3 $ 12,000 $ 4,000 $ 48,000
Mecklenburg, North Carolina 3 $ 466,000 $ 155,333 $ 14,000
Rockingham, North Carolina 3 $ 13,000 $ 4,333 $ 34,000
Rowan, North Carolina 3 $ 13,000 $ 4,333 $ 51,000
Meigs, Ohio 3 $ 37,000 $ 12,333 $ 38,000
Lawrence, Pennsylvania 3 $ 48,000 $ 16,000 $ 27,000
McKean, Pennsylvania 3 $ 33,000 $ 11,000 $ 25,000
Fairfax, Virginia 3 $ 998,000 $ 332,666 $ 258,000
Hampshire, West Virginia 3 $ 117,000 $ 39,000 $ 39,000
Mingo, West Virginia 3 $ 65,000 $ 21,666 $ 40,000
Palm Beach, Florida 2 $ 720,000 $ 360,000 $ 1,292,000
St. Johns, Florida 2 $ 2,676,000 $ 1,338,000 $ 4,999,000
Teton, Idaho 2 $ 950,000 $ 475,000 $ 144,000
Greenup, Kentucky 2 $ 46,000 $ 23,000 $ 43,000
Frederick, Maryland 2 $ 455,000 $ 227,500 $ 61,000
Washington, Maryland 2 $ 216,000 $ 108,000 $ 49,000
Erie, New York 2 $ 12,000 $ 6,000 $ 63,000
Bladen, North Carolina 2 $ 8,000 $ 4,000 $ 25,000
Franklin, North Carolina 2 $ 14,000 $ 7,000 $ 68,000
Iredell, North Carolina 2 $ 183,000 $ 91,500 $ 223,000
Robeson, North Carolina 2 $ 10,000 $ 5,000 $ 27,000
Coshocton, Ohio 2 $ 20,000 $ 10,000 $ 31,000
Franklin, Ohio 2 $ 12,000 $ 6,000 $ 66,000
Centre, Pennsylvania 2 $ 9,000 $ 4,500 $ 29,000
Clearfield, Pennsylvania 2 $ 12,000 $ 6,000 $ 29,000
Cumberland, Pennsylvania 2 $ 9,000 $ 4,500 $ 26,000
Franklin, Pennsylvania 2 $ 11,000 $ 5,500 $ 27,000
Lancaster, Pennsylvania 2 $ 8,000 $ 4,000 $ 42,000
Luzerne, Pennsylvania 2 $ 9,000 $ 4,500 $ 17,000
Warren, Pennsylvania 2 $ 14,000 $ 7,000 $ 31,000
Loudoun, Virginia 2 $ 1,819,000 $ 909,500 $ 308,000
Montgomery, Virginia 2 $ 151,000 $ 75,500 $ 158,000
Prince William, Virginia 2 $ 318,000 $ 159,000 $ 133,000
Roanoke City, Virginia 2 $ 15,000 $ 7,500 $ 41,000
Tazewell, Virginia 2 $ 339,000 $ 169,500 $ 145,000
Doddridge, West Virginia 2 $ 165,000 $ 82,500 $ 378,000
Summers, West Virginia 2 $ 228,000 $ 114,000 $ 47,000
Wetzel, West Virginia 2 $ 125,000 $ 62,500 $ 50,000
Brooks, Georgia 1 $ 509,000 $ 509,000 $ 0
Story, Iowa 1 $ 30,000 $ 30,000 $ 119,000
Lawrence, Kentucky 1 $ 55,000 $ 55,000 $ 48,000
Ramsey, Minnesota 1 $ 284,000 $ 284,000 $ 49,000
Merrimack, New Hampshire 1 $ 145,000 $ 145,000 $ 54,000
Cattaraugus, New York 1 $ 7,000 $ 7,000 $ 51,000
Steuben, New York 1 $ 7,000 $ 7,000 $ 35,000
Suffolk, New York 1 $ 570,000 $ 570,000 $ 232,000
Ashe, North Carolina 1 $ 6,000 $ 6,000 $ 31,000
Caldwell, North Carolina 1 $ 7,000 $ 7,000 $ 50,000
Catawba, North Carolina 1 $ 3,000 $ 3,000 $ 44,000
Cumberland, North Carolina 1 $ 5,000 $ 5,000 $ 57,000
Davidson, North Carolina 1 $ 3,000 $ 3,000 $ 30,000
Forsyth, North Carolina 1 $ 6,000 $ 6,000 $ 20,000
Lenoir, North Carolina 1 $ 6,000 $ 6,000 $ 44,000
Montgomery, North Carolina 1 $ 5,000 $ 5,000 $ 29,000
Moore, North Carolina 1 $ 5,000 $ 5,000 $ 71,000
Northampton, North Carolina 1 $ 4,000 $ 4,000 $ 34,000
Randolph, North Carolina 1 $ 4,000 $ 4,000 $ 18,000
Stokes, North Carolina 1 $ 6,000 $ 6,000 $ 20,000
Warren, North Carolina 1 $ 6,000 $ 6,000 $ 44,000
Washington, North Carolina 1 $ 4,000 $ 4,000 $ 28,000
Yadkin, North Carolina 1 $ 3,000 $ 3,000 $ 22,000
Yancey, North Carolina 1 $ 3,000 $ 3,000 $ 7,000
Champaign, Ohio 1 $ 14,000 $ 14,000 $ 18,000
Fayette, Ohio 1 $ 11,000 $ 11,000 $ 30,000
Harrison, Ohio 1 $ 7,000 $ 7,000 $ 32,000
Knox, Ohio 1 $ 15,000 $ 15,000 $ 32,000
Lake, Ohio 1 $ 7,000 $ 7,000 $ 26,000
Licking, Ohio 1 $ 9,000 $ 9,000 $ 50,000
Lorain, Ohio 1 $ 15,000 $ 15,000 $ 84,000
Montgomery, Ohio 1 $ 196,000 $ 196,000 $ 81,000
Muskingum, Ohio 1 $ 129,000 $ 129,000 $ 79,000
Trumbull, Ohio 1 $ 4,000 $ 4,000 $ 17,000
Wayne, Ohio 1 $ 7,000 $ 7,000 $ 30,000
Bedford, Pennsylvania 1 $ 7,000 $ 7,000 $ 8,000
Bradford, Pennsylvania 1 $ 7,000 $ 7,000 $ 17,000
Clarion, Pennsylvania 1 $ 7,000 $ 7,000 $ 34,000
Jefferson, Pennsylvania 1 $ 5,000 $ 5,000 $ 42,000
Lackawanna, Pennsylvania 1 $ 6,000 $ 6,000 $ 32,000
Venango, Pennsylvania 1 $ 20,000 $ 20,000 $ 41,000
Charleston, South Carolina 1 $ 400,000 $ 400,000 $ 0
Dillon, South Carolina 1 $ 3,000 $ 3,000 $ 33,000
Shelby, Tennessee 1 $ 144,000 $ 144,000 $ 84,000
Augusta, Virginia 1 $ 198,000 $ 198,000 $ 75,000
Campbell, Virginia 1 $ 170,000 $ 170,000 $ 0
Charlottesville, Virginia 1 $ 703,000 $ 703,000 $ 77,000
Clarke, Virginia 1 $ 85,000 $ 85,000 $ 111,000
Dinwiddie, Virginia 1 $ 7,000 $ 7,000 $ 19,000
Frederick, Virginia 1 $ 364,000 $ 364,000 $ 83,000
Grayson, Virginia 1 $ 36,000 $ 36,000 $ 41,000
James City, Virginia 1 $ 125,000 $ 125,000 $ 111,000
Petersburg, Virginia 1 $ 15,000 $ 15,000 $ 19,000
Richmond City, Virginia 1 $ 40,000 $ 40,000 $ 70,000
Roanoke, Virginia 1 $ 3,000 $ 3,000 $ 76,000
Warren, Virginia 1 $ 363,000 $ 363,000 $ 157,000
Morgan, West Virginia 1 $ 420,000 $ 420,000 $ 276,000
Tucker, West Virginia 1 $ 140,000 $ 140,000 $ 50,000
Albany, Wyoming 1 $ 135,000 $ 135,000 $ 142,000

Mortgage Loan Application Detail Totals for United Bank Inc in 2006

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 1,293 $23,029,000 $17,000 $494,000 $53,000 $1,068,000
Home Purchase 943 $134,561,000 $142,000 $6,500,000 $110,000 $7,300,000
Refinancing 915 $116,693,000 $127,000 $7,700,000 $102,000 $9,999,000

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 2,952 $238,681,000 $80,000 $3,530,000 $86,000 $9,999,000
Not applicable 76 $28,815,000 $379,000 $7,700,000 $23,000 $469,000
Black or African American 71 $1,825,000 $25,000 $193,000 $48,000 $166,000
Asian 17 $2,255,000 $132,000 $460,000 $139,000 $305,000
Not Provided 17 $932,000 $54,000 $268,000 $58,000 $176,000
Hispanic 13 $1,654,000 $127,000 $685,000 $93,000 $204,000
American Indian or Alaskan Native 4 $91,000 $22,000 $39,000 $31,000 $44,000
Native Hawaiian or Other Pacific Islander 1 $30,000 $30,000 $30,000 $360,000 $360,000

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) 2,520 $268,215,000 $106,000 $7,700,000 $95,000 $9,999,000
FHA-insured (Federal Housing Administration) 631 $6,068,000 $9,000 $28,000 $41,000 $168,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 0 $0 $0 $0 $0 $0
VA-guaranteed (Veterans Administration) 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 2,374 $249,608,000 $105,000 $7,700,000 $97,000 $9,999,000
Application Denied By Financial Institution 506 $10,677,000 $21,000 $363,000 $39,000 $191,000
Application Withdrawn By Applicant 188 $13,234,000 $70,000 $606,000 $68,000 $955,000
Application Approved But Not Accepted 82 $729,000 $8,000 $30,000 $39,000 $100,000
File Closed For Incompleteness 1 $35,000 $35,000 $35,000 $50,000 $50,000
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 369 $6,864,000 $18,000 $184,000 $39,000 $191,000
Debt-To-Income Ratio 103 $1,944,000 $18,000 $125,000 $34,000 $111,000
Other 17 $344,000 $20,000 $108,000 $38,000 $136,000
Collateral 12 $1,069,000 $89,000 $363,000 $63,000 $157,000
Insufficient Cash (Downpayment, Closing Cost) 3 $337,000 $112,000 $235,000 $66,000 $101,000
Employment History 2 $119,000 $59,000 $110,000 $59,000 $78,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Unverifiable Information 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank Inc's 2006 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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