United Bank Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2008
United Bank Inc 2008 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 | 2,715 |
| Total Mortgage Loan Application Amount | $263,634,000 |
| Average Mortgage Loan Application Amount | $109,666 |
| Highest Mortgage Loan Application Amount | $3,240,000 |
| Average Applicant Income | $84,666 |
| Highest Applicant Income | $6,976,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2008 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 2008 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 2008.
| 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 | 304 | $ 45,548,000 | $ 149,000 | $ 106,000 |
| Wood County West Virginia | 222 | $ 25,703,000 | $ 115,000 | $ 80,000 |
| Monongalia County West Virginia | 187 | $ 33,433,000 | $ 178,000 | $ 86,000 |
| Jackson County West Virginia | 111 | $ 7,685,000 | $ 69,000 | $ 72,000 |
| Cabell County West Virginia | 108 | $ 16,432,000 | $ 152,000 | $ 95,000 |
| Raleigh County West Virginia | 108 | $ 8,026,000 | $ 74,000 | $ 83,000 |
| Fayette County West Virginia | 90 | $ 6,163,000 | $ 68,000 | $ 53,000 |
| Ohio County West Virginia | 82 | $ 7,968,000 | $ 97,000 | $ 95,000 |
| Webster County West Virginia | 82 | $ 2,556,000 | $ 31,000 | $ 49,000 |
| Lewis County West Virginia | 75 | $ 5,601,000 | $ 74,000 | $ 67,000 |
| Marshall County West Virginia | 74 | $ 3,492,000 | $ 47,000 | $ 151,000 |
| Harrison County West Virginia | 55 | $ 4,059,000 | $ 73,000 | $ 94,000 |
| Putnam County West Virginia | 49 | $ 7,861,000 | $ 160,000 | $ 110,000 |
| Gilmer County West Virginia | 47 | $ 2,615,000 | $ 55,000 | $ 56,000 |
| Marion County West Virginia | 46 | $ 2,668,000 | $ 58,000 | $ 62,000 |
| Belmont County Ohio | 44 | $ 2,948,000 | $ 67,000 | $ 54,000 |
| Cuyahoga County Ohio | 39 | $ 414,000 | $ 10,000 | $ 52,000 |
| Nicholas County West Virginia | 39 | $ 1,924,000 | $ 49,000 | $ 57,000 |
| Logan County West Virginia | 34 | $ 2,039,000 | $ 59,000 | $ 68,000 |
| Wayne County West Virginia | 34 | $ 3,426,000 | $ 100,000 | $ 89,000 |
| Allegheny County Pennsylvania | 33 | $ 987,000 | $ 29,000 | $ 64,000 |
| Butler County Pennsylvania | 31 | $ 291,000 | $ 9,000 | $ 45,000 |
| Harrison County Ohio | 30 | $ 288,000 | $ 9,000 | $ 42,000 |
| Jefferson County West Virginia | 30 | $ 7,802,000 | $ 260,000 | $ 144,000 |
| Washington County Ohio | 29 | $ 2,778,000 | $ 95,000 | $ 89,000 |
| Lawrence County Ohio | 28 | $ 2,932,000 | $ 104,000 | $ 87,000 |
| Berkeley County West Virginia | 25 | $ 4,800,000 | $ 192,000 | $ 115,000 |
| Preston County West Virginia | 21 | $ 1,241,000 | $ 59,000 | $ 61,000 |
| Chautauqua County New York | 20 | $ 259,000 | $ 12,000 | $ 43,000 |
| Greenbrier County West Virginia | 20 | $ 17,590,000 | $ 879,000 | $ 219,000 |
| Hancock County West Virginia | 19 | $ 344,000 | $ 18,000 | $ 59,000 |
| Summit County Ohio | 18 | $ 213,000 | $ 11,000 | $ 55,000 |
| Clarion County Pennsylvania | 18 | $ 178,000 | $ 9,000 | $ 32,000 |
| York County Pennsylvania | 16 | $ 148,000 | $ 9,000 | $ 81,000 |
| Taylor County West Virginia | 15 | $ 956,000 | $ 63,000 | $ 60,000 |
| Stark County Ohio | 14 | $ 128,000 | $ 9,000 | $ 44,000 |
| Fayette County Pennsylvania | 14 | $ 405,000 | $ 28,000 | $ 47,000 |
| Franklin County Ohio | 13 | $ 231,000 | $ 17,000 | $ 56,000 |
| Erie County Pennsylvania | 13 | $ 90,000 | $ 6,000 | $ 39,000 |
| Boone County West Virginia | 13 | $ 670,000 | $ 51,000 | $ 60,000 |
| McKean County Pennsylvania | 12 | $ 160,000 | $ 13,000 | $ 41,000 |
| Braxton County West Virginia | 11 | $ 686,000 | $ 62,000 | $ 67,000 |
| Brooke County West Virginia | 11 | $ 288,000 | $ 26,000 | $ 63,000 |
| Jefferson County Ohio | 10 | $ 301,000 | $ 30,000 | $ 41,000 |
| Somerset County Pennsylvania | 10 | $ 188,000 | $ 18,000 | $ 56,000 |
| Washington County Pennsylvania | 9 | $ 552,000 | $ 61,000 | $ 110,000 |
| Mason County West Virginia | 9 | $ 925,000 | $ 102,000 | $ 79,000 |
| Montgomery County Ohio | 8 | $ 117,000 | $ 14,000 | $ 35,000 |
| Cambria County Pennsylvania | 8 | $ 76,000 | $ 9,000 | $ 32,000 |
| Indiana County Pennsylvania | 8 | $ 82,000 | $ 10,000 | $ 48,000 |
| Westmoreland County Pennsylvania | 8 | $ 77,000 | $ 9,000 | $ 43,000 |
| Wirt County West Virginia | 8 | $ 584,000 | $ 73,000 | $ 101,000 |
| Venango County Pennsylvania | 7 | $ 94,000 | $ 13,000 | $ 61,000 |
| Clay County West Virginia | 7 | $ 478,000 | $ 68,000 | $ 78,000 |
| Upshur County West Virginia | 7 | $ 352,000 | $ 50,000 | $ 39,000 |
| Fayette County Kentucky | 6 | $ 758,000 | $ 126,000 | $ 15,000 |
| Jefferson County Pennsylvania | 6 | $ 32,000 | $ 5,000 | $ 36,000 |
| Lincoln County West Virginia | 6 | $ 213,000 | $ 35,000 | $ 46,000 |
| Pleasants County West Virginia | 6 | $ 333,000 | $ 55,000 | $ 78,000 |
| Pocahontas County West Virginia | 6 | $ 1,095,000 | $ 182,000 | $ 113,000 |
| Randolph County West Virginia | 6 | $ 405,000 | $ 67,000 | $ 62,000 |
| Roane County West Virginia | 6 | $ 473,000 | $ 78,000 | $ 52,000 |
| Wyoming County West Virginia | 6 | $ 475,000 | $ 79,000 | $ 52,000 |
| Iredell County North Carolina | 5 | $ 1,281,000 | $ 256,000 | $ 210,000 |
| Hamilton County Ohio | 5 | $ 34,000 | $ 6,000 | $ 38,000 |
| Marion County Ohio | 5 | $ 20,000 | $ 4,000 | $ 42,000 |
| Armstrong County Pennsylvania | 5 | $ 66,000 | $ 13,000 | $ 41,000 |
| Beaver County Pennsylvania | 5 | $ 53,000 | $ 10,000 | $ 31,000 |
| Greene County Pennsylvania | 5 | $ 226,000 | $ 45,000 | $ 51,000 |
| Barbour County West Virginia | 5 | $ 114,000 | $ 22,000 | $ 42,000 |
| Mercer County West Virginia | 5 | $ 276,000 | $ 55,000 | $ 50,000 |
| Butler County Ohio | 4 | $ 35,000 | $ 8,000 | $ 34,000 |
| Carroll County Ohio | 4 | $ 57,000 | $ 14,000 | $ 36,000 |
| Erie County Ohio | 4 | $ 25,000 | $ 6,000 | $ 55,000 |
| Guernsey County Ohio | 4 | $ 61,000 | $ 15,000 | $ 40,000 |
| Licking County Ohio | 4 | $ 52,000 | $ 13,000 | $ 38,000 |
| Lorain County Ohio | 4 | $ 24,000 | $ 6,000 | $ 50,000 |
| Calhoun County West Virginia | 4 | $ 127,000 | $ 31,000 | $ 54,000 |
| Doddridge County West Virginia | 4 | $ 188,000 | $ 47,000 | $ 58,000 |
| Ritchie County West Virginia | 4 | $ 344,000 | $ 86,000 | $ 53,000 |
| Summers County West Virginia | 4 | $ 342,000 | $ 85,000 | $ 100,000 |
| Tucker County West Virginia | 4 | $ 869,000 | $ 217,000 | $ 103,000 |
| Madison County Indiana | 3 | $ 11,000 | $ 3,000 | $ 28,000 |
| Washington County Maryland | 3 | $ 580,000 | $ 193,000 | $ 239,000 |
| Cattaraugus County New York | 3 | $ 27,000 | $ 9,000 | $ 42,000 |
| Guilford County North Carolina | 3 | $ 14,000 | $ 4,000 | $ 44,000 |
| Stokes County North Carolina | 3 | $ 14,000 | $ 4,000 | $ 30,000 |
| Ashtabula County Ohio | 3 | $ 18,000 | $ 6,000 | $ 23,000 |
| Clermont County Ohio | 3 | $ 16,000 | $ 5,000 | $ 30,000 |
| Lucas County Ohio | 3 | $ 16,000 | $ 5,000 | $ 29,000 |
| Mahoning County Ohio | 3 | $ 36,000 | $ 12,000 | $ 29,000 |
| Portage County Ohio | 3 | $ 17,000 | $ 5,000 | $ 24,000 |
| Ross County Ohio | 3 | $ 38,000 | $ 12,000 | $ 30,000 |
| Trumbull County Ohio | 3 | $ 13,000 | $ 4,000 | $ 24,000 |
| Wayne County Ohio | 3 | $ 32,000 | $ 10,000 | $ 46,000 |
| Crawford County Pennsylvania | 3 | $ 33,000 | $ 11,000 | $ 26,000 |
| Franklin County Pennsylvania | 3 | $ 16,000 | $ 5,000 | $ 29,000 |
| Monroe County Pennsylvania | 3 | $ 73,000 | $ 24,000 | $ 131,000 |
| Horry County South Carolina | 3 | $ 594,000 | $ 198,000 | $ 202,000 |
| Mineral County West Virginia | 3 | $ 146,000 | $ 48,000 | $ 34,000 |
| Monroe County West Virginia | 3 | $ 1,345,000 | $ 448,000 | $ 160,000 |
| St. Johns County Florida | 2 | $ 932,000 | $ 466,000 | $ 231,000 |
| Lawrence County Kentucky | 2 | $ 123,000 | $ 61,000 | $ 100,000 |
| Brunswick County North Carolina | 2 | $ 618,000 | $ 309,000 | $ 93,000 |
| Montgomery County North Carolina | 2 | $ 542,000 | $ 271,000 | $ 510,000 |
| New Hanover County North Carolina | 2 | $ 347,000 | $ 173,000 | $ 56,000 |
| Rockingham County North Carolina | 2 | $ 6,000 | $ 3,000 | $ 30,000 |
| Ashland County Ohio | 2 | $ 12,000 | $ 6,000 | $ 19,000 |
| Columbiana County Ohio | 2 | $ 14,000 | $ 7,000 | $ 44,000 |
| Darke County Ohio | 2 | $ 30,000 | $ 15,000 | $ 34,000 |
| Delaware County Ohio | 2 | $ 21,000 | $ 10,000 | $ 47,000 |
| Hancock County Ohio | 2 | $ 9,000 | $ 4,000 | $ 28,000 |
| Lake County Ohio | 2 | $ 9,000 | $ 4,000 | $ 18,000 |
| Logan County Ohio | 2 | $ 28,000 | $ 14,000 | $ 39,000 |
| Madison County Ohio | 2 | $ 10,000 | $ 5,000 | $ 21,000 |
| Medina County Ohio | 2 | $ 23,000 | $ 11,000 | $ 59,000 |
| Monroe County Ohio | 2 | $ 79,000 | $ 39,000 | $ 49,000 |
| Morgan County Ohio | 2 | $ 852,000 | $ 426,000 | $ 0 |
| Perry County Ohio | 2 | $ 19,000 | $ 9,000 | $ 64,000 |
| Preble County Ohio | 2 | $ 40,000 | $ 20,000 | $ 47,000 |
| Richland County Ohio | 2 | $ 266,000 | $ 133,000 | $ 102,000 |
| Sandusky County Ohio | 2 | $ 8,000 | $ 4,000 | $ 16,000 |
| Shelby County Ohio | 2 | $ 29,000 | $ 14,000 | $ 74,000 |
| Tuscarawas County Ohio | 2 | $ 28,000 | $ 14,000 | $ 27,000 |
| Warren County Ohio | 2 | $ 9,000 | $ 4,000 | $ 33,000 |
| Centre County Pennsylvania | 2 | $ 21,000 | $ 10,000 | $ 85,000 |
| Huntingdon County Pennsylvania | 2 | $ 9,000 | $ 4,000 | $ 39,000 |
| Lancaster County Pennsylvania | 2 | $ 13,000 | $ 6,000 | $ 43,000 |
| Luzerne County Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 97,000 |
| Mercer County Pennsylvania | 2 | $ 33,000 | $ 16,000 | $ 24,000 |
| Charleston County South Carolina | 2 | $ 416,000 | $ 208,000 | $ 24,000 |
| Bedford County Virginia | 2 | $ 653,000 | $ 326,000 | $ 259,000 |
| Loudoun County Virginia | 2 | $ 1,454,000 | $ 727,000 | $ 358,000 |
| Salem County Virginia | 2 | $ 180,000 | $ 90,000 | $ 53,000 |
| Hampshire County West Virginia | 2 | $ 218,000 | $ 109,000 | $ 42,000 |
| Morgan County West Virginia | 2 | $ 421,000 | $ 210,000 | $ 214,000 |
| Wetzel County West Virginia | 2 | $ 41,000 | $ 20,000 | $ 31,000 |
| Baldwin County Alabama | 1 | $ 354,000 | $ 354,000 | $ 210,000 |
| District of Columbia County District Of Columbia | 1 | $ 1,285,000 | $ 1,285,000 | $ 160,000 |
| Brevard County Florida | 1 | $ 5,000 | $ 5,000 | $ 32,000 |
| Collier County Florida | 1 | $ 25,000 | $ 25,000 | $ 131,000 |
| Lee County Florida | 1 | $ 70,000 | $ 70,000 | $ 47,000 |
| Marion County Florida | 1 | $ 235,000 | $ 235,000 | $ 104,000 |
| Monroe County Florida | 1 | $ 58,000 | $ 58,000 | $ 61,000 |
| Polk County Florida | 1 | $ 200,000 | $ 200,000 | $ 152,000 |
| Grant County Indiana | 1 | $ 5,000 | $ 5,000 | $ 18,000 |
| Jay County Indiana | 1 | $ 7,000 | $ 7,000 | $ 17,000 |
| Anne Arundel County Maryland | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Caroline County Maryland | 1 | $ 13,000 | $ 13,000 | $ 96,000 |
| Montgomery County Maryland | 1 | $ 600,000 | $ 600,000 | $ 940,000 |
| Hampden County Massachusetts | 1 | $ 417,000 | $ 417,000 | $ 190,000 |
| Middlesex County Massachusetts | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Benzie County Michigan | 1 | $ 152,000 | $ 152,000 | $ 248,000 |
| Camden County New Jersey | 1 | $ 5,000 | $ 5,000 | $ 90,000 |
| Mercer County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 150,000 |
| Somerset County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 238,000 |
| Kings County New York | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Monroe County New York | 1 | $ 25,000 | $ 25,000 | $ 113,000 |
| Orange County New York | 1 | $ 14,000 | $ 14,000 | $ 22,000 |
| Anson County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 8,000 |
| Ashe County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 41,000 |
| Chatham County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 35,000 |
| Cumberland County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 95,000 |
| Dare County North Carolina | 1 | $ 765,000 | $ 765,000 | $ 642,000 |
| Davidson County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 70,000 |
| Davie County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 77,000 |
| Gaston County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 32,000 |
| Granville County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 69,000 |
| Johnston County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 33,000 |
| McDowell County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 42,000 |
| Mecklenburg County North Carolina | 1 | $ 195,000 | $ 195,000 | $ 120,000 |
| Onslow County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 46,000 |
| Pender County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 72,000 |
| Perquimans County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 48,000 |
| Surry County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 29,000 |
| Warren County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 23,000 |
| Wayne County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 50,000 |
| Yadkin County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 24,000 |
| Allen County Ohio | 1 | $ 5,000 | $ 5,000 | $ 16,000 |
| Athens County Ohio | 1 | $ 200,000 | $ 200,000 | $ 82,000 |
| Crawford County Ohio | 1 | $ 4,000 | $ 4,000 | $ 11,000 |
| Fayette County Ohio | 1 | $ 4,000 | $ 4,000 | $ 24,000 |
| Henry County Ohio | 1 | $ 6,000 | $ 6,000 | $ 20,000 |
| Jackson County Ohio | 1 | $ 188,000 | $ 188,000 | $ 144,000 |
| Miami County Ohio | 1 | $ 25,000 | $ 25,000 | $ 46,000 |
| Pickaway County Ohio | 1 | $ 11,000 | $ 11,000 | $ 106,000 |
| Putnam County Ohio | 1 | $ 8,000 | $ 8,000 | $ 18,000 |
| Wood County Ohio | 1 | $ 4,000 | $ 4,000 | $ 46,000 |
| Wyandot County Ohio | 1 | $ 9,000 | $ 9,000 | $ 17,000 |
| Bedford County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 64,000 |
| Blair County Pennsylvania | 1 | $ 16,000 | $ 16,000 | $ 39,000 |
| Bucks County Pennsylvania | 1 | $ 353,000 | $ 353,000 | $ 120,000 |
| Columbia County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 37,000 |
| Lackawanna County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 66,000 |
| Lehigh County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 182,000 |
| Philadelphia County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 229,000 |
| Potter County Pennsylvania | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Schuylkill County Pennsylvania | 1 | $ 23,000 | $ 23,000 | $ 64,000 |
| Susquehanna County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 88,000 |
| Richland County South Carolina | 1 | $ 245,000 | $ 245,000 | $ 95,000 |
| Clarke County Virginia | 1 | $ 164,000 | $ 164,000 | $ 166,000 |
| Dinwiddie County Virginia | 1 | $ 3,000 | $ 3,000 | $ 44,000 |
| Frederick County Virginia | 1 | $ 26,000 | $ 26,000 | $ 86,000 |
| Montgomery County Virginia | 1 | $ 100,000 | $ 100,000 | $ 19,000 |
| Grant County West Virginia | 1 | $ 21,000 | $ 21,000 | $ 81,000 |
| Pendleton County West Virginia | 1 | $ 450,000 | $ 450,000 | $ 177,000 |
| Tyler County West Virginia | 1 | $ 4,000 | $ 4,000 | $ 59,000 |
| Door County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 263,000 |
Mortgage Loan Application Detail Totals for United Bank Inc in 2008
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 | 1,156 | $18,304,000 | $15,000 | $620,000 | $54,000 | $516,000 |
| Refinancing | 781 | $124,686,000 | $159,000 | $3,240,000 | $94,000 | $1,822,000 |
| Home Purchase | 778 | $120,644,000 | $155,000 | $2,720,000 | $106,000 | $6,976,000 |
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 | 2,432 | $219,023,000 | $90,000 | $3,060,000 | $84,000 | $6,976,000 |
| Not applicable | 122 | $35,610,000 | $291,000 | $3,240,000 | $13,000 | $513,000 |
| Black or African American | 101 | $2,509,000 | $24,000 | $429,000 | $57,000 | $383,000 |
| Asian | 23 | $5,284,000 | $229,000 | $630,000 | $149,000 | $516,000 |
| Not Provided | 20 | $285,000 | $14,000 | $80,000 | $39,000 | $150,000 |
| Hispanic | 16 | $783,000 | $48,000 | $197,000 | $81,000 | $222,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $140,000 | $140,000 | $140,000 | $157,000 | $157,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,084 | $257,206,000 | $123,000 | $3,240,000 | $91,000 | $6,976,000 |
| FHA-insured (Federal Housing Administration) | 631 | $6,428,000 | $10,000 | $26,000 | $46,000 | $238,000 |
| 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 | 1,924 | $237,868,000 | $123,000 | $3,240,000 | $93,000 | $6,976,000 |
| Application Denied By Financial Institution | 596 | $15,203,000 | $25,000 | $1,176,000 | $44,000 | $789,000 |
| Application Withdrawn By Applicant | 137 | $9,973,000 | $72,000 | $600,000 | $67,000 | $400,000 |
| Application Approved But Not Accepted | 56 | $487,000 | $8,000 | $22,000 | $46,000 | $124,000 |
| File Closed For Incompleteness | 2 | $103,000 | $51,000 | $78,000 | $82,000 | $96,000 |
| 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 | 441 | $7,160,000 | $16,000 | $225,000 | $41,000 | $131,000 |
| Debt-To-Income Ratio | 104 | $2,515,000 | $24,000 | $176,000 | $39,000 | $238,000 |
| Collateral | 21 | $4,175,000 | $198,000 | $1,176,000 | $130,000 | $789,000 |
| Other | 19 | $463,000 | $24,000 | $168,000 | $52,000 | $182,000 |
| Employment History | 5 | $233,000 | $46,000 | $162,000 | $53,000 | $144,000 |
| Credit Application Incomplete | 3 | $200,000 | $66,000 | $145,000 | $67,000 | $94,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $295,000 | $147,000 | $250,000 | $43,000 | $67,000 |
| Mortgage Insurance Denied | 1 | $162,000 | $162,000 | $162,000 | $86,000 | $86,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank Inc's 2008 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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