United Bank Inc Mortgage Lending & HMDA Data, 2007

In 2007, United Bank Inc of Parkersburg, WV reported 2,662 mortgage applications totaling $225.9 million, down 16% from 2006. The average application was for $84,856, and applicants reported an average income of $76,557. 76% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Charleston, WV (391), Parkersburg-Marietta-Vienna, WV-OH (239) and Wheeling, WV-OH (212) (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 2,662
Total Mortgage Loan Application Amount $225,887,000
Average Mortgage Loan Application Amount $84,856
Highest Mortgage Loan Application Amount $3,450,000
Average Applicant Income $76,557
Highest Applicant Income $1,293,000

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Act (HMDA) records United Bank Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2007

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 296 $ 41,118,000 $ 138,912 $ 116,000
Wood, West Virginia 207 $ 20,085,000 $ 97,028 $ 80,000
Monongalia, West Virginia 142 $ 19,244,000 $ 135,521 $ 98,000
Jackson, West Virginia 129 $ 7,789,000 $ 60,379 $ 65,000
Raleigh, West Virginia 124 $ 9,267,000 $ 74,733 $ 70,000
Cabell, West Virginia 110 $ 12,377,000 $ 112,518 $ 105,000
Ohio, West Virginia 106 $ 7,387,000 $ 69,688 $ 76,000
Webster, West Virginia 95 $ 2,778,000 $ 29,242 $ 48,000
Fayette, West Virginia 89 $ 4,850,000 $ 54,494 $ 62,000
Lewis, West Virginia 82 $ 3,898,000 $ 47,536 $ 59,000
Marshall, West Virginia 68 $ 3,550,000 $ 52,205 $ 50,000
Putnam, West Virginia 66 $ 11,535,000 $ 174,772 $ 131,000
Harrison, West Virginia 60 $ 4,167,000 $ 69,450 $ 60,000
Logan, West Virginia 52 $ 2,623,000 $ 50,442 $ 60,000
Nicholas, West Virginia 48 $ 2,635,000 $ 54,895 $ 80,000
Gilmer, West Virginia 46 $ 2,837,000 $ 61,673 $ 60,000
Jefferson, Pennsylvania 40 $ 387,000 $ 9,675 $ 41,000
Wayne, West Virginia 39 $ 2,548,000 $ 65,333 $ 64,000
Belmont, Ohio 38 $ 1,675,000 $ 44,078 $ 59,000
Marion, West Virginia 29 $ 1,892,000 $ 65,241 $ 73,000
Lawrence, Ohio 28 $ 3,014,000 $ 107,642 $ 88,000
Greenbrier, West Virginia 24 $ 14,508,000 $ 604,500 $ 200,000
Hancock, West Virginia 24 $ 1,996,000 $ 83,166 $ 68,000
Jefferson, West Virginia 23 $ 3,324,000 $ 144,521 $ 55,000
Cuyahoga, Ohio 22 $ 326,000 $ 14,818 $ 53,000
Summit, Ohio 22 $ 206,000 $ 9,363 $ 44,000
Stark, Ohio 21 $ 281,000 $ 13,380 $ 48,000
Washington, Ohio 21 $ 2,152,000 $ 102,476 $ 104,000
York, Pennsylvania 21 $ 124,000 $ 5,904 $ 63,000
Jefferson, Ohio 19 $ 994,000 $ 52,315 $ 60,000
Chautauqua, New York 18 $ 228,000 $ 12,666 $ 40,000
Roane, West Virginia 18 $ 325,000 $ 18,055 $ 35,000
Allegheny, Pennsylvania 16 $ 2,807,000 $ 175,437 $ 74,000
Cambria, Pennsylvania 16 $ 166,000 $ 10,375 $ 38,000
Boone, West Virginia 16 $ 710,000 $ 44,375 $ 52,000
Brooke, West Virginia 16 $ 784,000 $ 49,000 $ 71,000
Preston, West Virginia 16 $ 1,131,000 $ 70,687 $ 62,000
Berkeley, West Virginia 15 $ 1,452,000 $ 96,800 $ 74,000
Westmoreland, Pennsylvania 14 $ 116,000 $ 8,285 $ 40,000
Fayette, Pennsylvania 13 $ 1,058,000 $ 81,384 $ 63,000
Somerset, Pennsylvania 13 $ 140,000 $ 10,769 $ 56,000
Taylor, West Virginia 13 $ 838,000 $ 64,461 $ 52,000
Armstrong, Pennsylvania 12 $ 126,000 $ 10,500 $ 44,000
Erie, Pennsylvania 12 $ 129,000 $ 10,750 $ 37,000
Columbiana, Ohio 11 $ 122,000 $ 11,090 $ 51,000
Washington, Pennsylvania 11 $ 206,000 $ 18,727 $ 40,000
Braxton, West Virginia 11 $ 471,000 $ 42,818 $ 56,000
Upshur, West Virginia 11 $ 915,000 $ 83,181 $ 62,000
Lincoln, West Virginia 10 $ 1,826,000 $ 182,600 $ 108,000
Franklin, Ohio 9 $ 48,000 $ 5,333 $ 48,000
Calhoun, West Virginia 9 $ 252,000 $ 28,000 $ 37,000
Randolph, West Virginia 9 $ 763,000 $ 84,777 $ 63,000
Mason, West Virginia 8 $ 778,000 $ 97,250 $ 121,000
Wyoming, West Virginia 8 $ 586,000 $ 73,250 $ 60,000
Gallia, Ohio 6 $ 121,000 $ 20,166 $ 49,000
Butler, Pennsylvania 6 $ 75,000 $ 12,500 $ 46,000
Greene, Pennsylvania 6 $ 457,000 $ 76,166 $ 172,000
Venango, Pennsylvania 6 $ 81,000 $ 13,500 $ 23,000
Pleasants, West Virginia 6 $ 510,000 $ 85,000 $ 85,000
Ritchie, West Virginia 6 $ 453,000 $ 75,500 $ 55,000
Portage, Ohio 5 $ 55,000 $ 11,000 $ 48,000
Indiana, Pennsylvania 5 $ 51,000 $ 10,200 $ 28,000
Lawrence, Pennsylvania 5 $ 67,000 $ 13,400 $ 41,000
Mercer, Pennsylvania 5 $ 61,000 $ 12,200 $ 42,000
Barbour, West Virginia 5 $ 535,000 $ 107,000 $ 67,000
Wirt, West Virginia 5 $ 720,000 $ 144,000 $ 140,000
Pender, North Carolina 4 $ 212,000 $ 53,000 $ 59,000
Ashtabula, Ohio 4 $ 92,000 $ 23,000 $ 53,000
Meigs, Ohio 4 $ 259,000 $ 64,750 $ 70,000
Blair, Pennsylvania 4 $ 32,000 $ 8,000 $ 22,000
Crawford, Pennsylvania 4 $ 24,000 $ 6,000 $ 22,000
Mineral, West Virginia 4 $ 188,000 $ 47,000 $ 50,000
Monroe, West Virginia 4 $ 1,450,000 $ 362,500 $ 268,000
Boyd, Kentucky 3 $ 126,000 $ 42,000 $ 28,000
Lincoln, North Carolina 3 $ 504,000 $ 168,000 $ 0
Surry, North Carolina 3 $ 11,000 $ 3,666 $ 25,000
Athens, Ohio 3 $ 154,000 $ 51,333 $ 28,000
Guernsey, Ohio 3 $ 20,000 $ 6,666 $ 28,000
Harrison, Ohio 3 $ 16,000 $ 5,333 $ 71,000
Medina, Ohio 3 $ 22,000 $ 7,333 $ 56,000
Monroe, Ohio 3 $ 20,000 $ 6,666 $ 39,000
Muskingum, Ohio 3 $ 16,000 $ 5,333 $ 34,000
Warren, Ohio 3 $ 15,000 $ 5,000 $ 23,000
Bedford, Pennsylvania 3 $ 17,000 $ 5,666 $ 21,000
Elk, Pennsylvania 3 $ 17,000 $ 5,666 $ 33,000
Lancaster, Pennsylvania 3 $ 17,000 $ 5,666 $ 43,000
McKean, Pennsylvania 3 $ 29,000 $ 9,666 $ 43,000
Clay, West Virginia 3 $ 198,000 $ 66,000 $ 35,000
Doddridge, West Virginia 3 $ 70,000 $ 23,333 $ 37,000
Hampshire, West Virginia 3 $ 129,000 $ 43,000 $ 79,000
Summers, West Virginia 3 $ 278,000 $ 92,666 $ 87,000
Tucker, West Virginia 3 $ 849,000 $ 283,000 $ 134,000
Duval, Florida 2 $ 783,000 $ 391,500 $ 206,000
Palm Beach, Florida 2 $ 153,000 $ 76,500 $ 100,000
Cattaraugus, New York 2 $ 23,000 $ 11,500 $ 53,000
Forsyth, North Carolina 2 $ 11,000 $ 5,500 $ 12,000
Iredell, North Carolina 2 $ 1,365,000 $ 682,500 $ 338,000
Mecklenburg, North Carolina 2 $ 385,000 $ 192,500 $ 0
Rockingham, North Carolina 2 $ 7,000 $ 3,500 $ 39,000
Butler, Ohio 2 $ 18,000 $ 9,000 $ 38,000
Carroll, Ohio 2 $ 30,000 $ 15,000 $ 45,000
Madison, Ohio 2 $ 10,000 $ 5,000 $ 45,000
Noble, Ohio 2 $ 29,000 $ 14,500 $ 78,000
Richland, Ohio 2 $ 120,000 $ 60,000 $ 71,000
Scioto, Ohio 2 $ 510,000 $ 255,000 $ 59,000
Seneca, Ohio 2 $ 7,000 $ 3,500 $ 31,000
Trumbull, Ohio 2 $ 10,000 $ 5,000 $ 32,000
Tuscarawas, Ohio 2 $ 11,000 $ 5,500 $ 37,000
Beaver, Pennsylvania 2 $ 12,000 $ 6,000 $ 31,000
Centre, Pennsylvania 2 $ 10,000 $ 5,000 $ 45,000
Clearfield, Pennsylvania 2 $ 27,000 $ 13,500 $ 36,000
Bedford, Virginia 2 $ 361,000 $ 180,500 $ 0
Mingo, West Virginia 2 $ 9,000 $ 4,500 $ 41,000
Pocahontas, West Virginia 2 $ 509,000 $ 254,500 $ 25,000
Tyler, West Virginia 2 $ 185,000 $ 92,500 $ 69,000
Wetzel, West Virginia 2 $ 207,000 $ 103,500 $ 47,000
Maricopa, Arizona 1 $ 1,200,000 $ 1,200,000 $ 214,000
Sussex, Delaware 1 $ 107,000 $ 107,000 $ 25,000
Lee, Florida 1 $ 739,000 $ 739,000 $ 302,000
Martin, Florida 1 $ 250,000 $ 250,000 $ 217,000
Miami-Dade, Florida 1 $ 30,000 $ 30,000 $ 53,000
Bonneville, Idaho 1 $ 265,000 $ 265,000 $ 0
Bartholomew, Indiana 1 $ 3,000 $ 3,000 $ 11,000
Lawrence, Kentucky 1 $ 120,000 $ 120,000 $ 52,000
Baltimore City, Maryland 1 $ 15,000 $ 15,000 $ 29,000
Montgomery, Maryland 1 $ 800,000 $ 800,000 $ 400,000
Union, New Jersey 1 $ 20,000 $ 20,000 $ 93,000
Warren, New Jersey 1 $ 14,000 $ 14,000 $ 47,000
Erie, New York 1 $ 13,000 $ 13,000 $ 59,000
Steuben, New York 1 $ 7,000 $ 7,000 $ 33,000
Alleghany, North Carolina 1 $ 6,000 $ 6,000 $ 21,000
Beaufort, North Carolina 1 $ 4,000 $ 4,000 $ 36,000
Bertie, North Carolina 1 $ 3,000 $ 3,000 $ 19,000
Buncombe, North Carolina 1 $ 4,000 $ 4,000 $ 47,000
Carteret, North Carolina 1 $ 6,000 $ 6,000 $ 23,000
Catawba, North Carolina 1 $ 3,000 $ 3,000 $ 59,000
Chatham, North Carolina 1 $ 3,000 $ 3,000 $ 32,000
Currituck, North Carolina 1 $ 512,000 $ 512,000 $ 214,000
Davie, North Carolina 1 $ 6,000 $ 6,000 $ 25,000
Gaston, North Carolina 1 $ 3,000 $ 3,000 $ 28,000
Granville, North Carolina 1 $ 5,000 $ 5,000 $ 57,000
Guilford, North Carolina 1 $ 3,000 $ 3,000 $ 40,000
Macon, North Carolina 1 $ 100,000 $ 100,000 $ 99,000
Madison, North Carolina 1 $ 7,000 $ 7,000 $ 25,000
Northampton, North Carolina 1 $ 5,000 $ 5,000 $ 40,000
Rowan, North Carolina 1 $ 4,000 $ 4,000 $ 66,000
Wayne, North Carolina 1 $ 6,000 $ 6,000 $ 65,000
Clark, Ohio 1 $ 4,000 $ 4,000 $ 11,000
Clermont, Ohio 1 $ 4,000 $ 4,000 $ 15,000
Clinton, Ohio 1 $ 9,000 $ 9,000 $ 22,000
Darke, Ohio 1 $ 1,000 $ 1,000 $ 29,000
Erie, Ohio 1 $ 6,000 $ 6,000 $ 17,000
Fairfield, Ohio 1 $ 4,000 $ 4,000 $ 16,000
Hancock, Ohio 1 $ 4,000 $ 4,000 $ 28,000
Huron, Ohio 1 $ 5,000 $ 5,000 $ 40,000
Licking, Ohio 1 $ 38,000 $ 38,000 $ 44,000
Lorain, Ohio 1 $ 7,000 $ 7,000 $ 30,000
Lucas, Ohio 1 $ 6,000 $ 6,000 $ 24,000
Mahoning, Ohio 1 $ 11,000 $ 11,000 $ 114,000
Marion, Ohio 1 $ 5,000 $ 5,000 $ 47,000
Morrow, Ohio 1 $ 228,000 $ 228,000 $ 80,000
Shelby, Ohio 1 $ 5,000 $ 5,000 $ 35,000
Vinton, Ohio 1 $ 65,000 $ 65,000 $ 0
Wayne, Ohio 1 $ 12,000 $ 12,000 $ 23,000
Clarion, Pennsylvania 1 $ 16,000 $ 16,000 $ 42,000
Cumberland, Pennsylvania 1 $ 3,000 $ 3,000 $ 74,000
Fulton, Pennsylvania 1 $ 7,000 $ 7,000 $ 37,000
Lackawanna, Pennsylvania 1 $ 7,000 $ 7,000 $ 29,000
Lebanon, Pennsylvania 1 $ 355,000 $ 355,000 $ 120,000
Luzerne, Pennsylvania 1 $ 6,000 $ 6,000 $ 11,000
Lycoming, Pennsylvania 1 $ 5,000 $ 5,000 $ 26,000
Beaufort, South Carolina 1 $ 499,000 $ 499,000 $ 300,000
Horry, South Carolina 1 $ 350,000 $ 350,000 $ 0
Lexington, South Carolina 1 $ 196,000 $ 196,000 $ 95,000
Alleghany, Virginia 1 $ 24,000 $ 24,000 $ 44,000
Chesapeake, Virginia 1 $ 315,000 $ 315,000 $ 113,000
Frederick, Virginia 1 $ 6,000 $ 6,000 $ 47,000
Loudoun, Virginia 1 $ 30,000 $ 30,000 $ 456,000
Prince William, Virginia 1 $ 300,000 $ 300,000 $ 960,000
McDowell, West Virginia 1 $ 3,000 $ 3,000 $ 73,000
Mercer, West Virginia 1 $ 621,000 $ 621,000 $ 508,000
Morgan, West Virginia 1 $ 125,000 $ 125,000 $ 108,000

Mortgage Loan Application Detail Totals for United Bank Inc in 2007

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 1,104 $17,944,000 $16,000 $775,000 $53,000 $1,293,000
Home Purchase 844 $129,539,000 $153,000 $3,450,000 $96,000 $1,070,000
Refinancing 714 $78,404,000 $109,000 $1,915,000 $90,000 $1,011,000

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 2,458 $197,477,000 $80,000 $2,000,000 $78,000 $1,293,000
Black or African American 79 $2,105,000 $26,000 $186,000 $48,000 $239,000
Not applicable 73 $19,173,000 $262,000 $3,450,000 $4,000 $225,000
Not Provided 23 $882,000 $38,000 $300,000 $38,000 $90,000
Asian 18 $4,856,000 $269,000 $899,000 $188,000 $484,000
Hispanic 8 $978,000 $122,000 $310,000 $110,000 $350,000
American Indian or Alaskan Native 2 $116,000 $58,000 $111,000 $194,000 $365,000
Native Hawaiian or Other Pacific Islander 1 $300,000 $300,000 $300,000 $960,000 $960,000

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) 2,105 $220,578,000 $104,000 $3,450,000 $85,000 $1,293,000
FHA-insured (Federal Housing Administration) 557 $5,309,000 $9,000 $30,000 $42,000 $200,000
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 2,020 $207,316,000 $102,000 $3,450,000 $87,000 $1,293,000
Application Denied By Financial Institution 461 $9,220,000 $20,000 $472,000 $40,000 $340,000
Application Withdrawn By Applicant 122 $8,690,000 $71,000 $700,000 $63,000 $325,000
Application Approved But Not Accepted 58 $606,000 $10,000 $50,000 $42,000 $114,000
Preapproval Denied by Financial Institution 1 $55,000 $55,000 $55,000 $22,000 $22,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
Loan Purchased By The Institution 0 $0 $0 $0 $0 $0
Preapproval Approved but not Accepted 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 350 $5,665,000 $16,000 $300,000 $38,000 $200,000
Debt-To-Income Ratio 68 $1,373,000 $20,000 $135,000 $35,000 $129,000
Collateral 19 $1,535,000 $80,000 $472,000 $74,000 $340,000
Other 16 $463,000 $28,000 $153,000 $59,000 $118,000
Employment History 8 $232,000 $29,000 $148,000 $37,000 $84,000
Unverifiable Information 1 $7,000 $7,000 $7,000 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Insufficient Cash (Downpayment, Closing Cost) 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank Inc's 2007 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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