United Bank Inc Mortgage Lending & HMDA Data, 2010

In 2010, United Bank Inc of Parkersburg, WV reported 1,911 mortgage applications totaling $199.0 million, down 31% from 2009. The average application was for $104,137, and applicants reported an average income of $77,555. 63% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Charleston, WV (241), Parkersburg-Marietta-Vienna, WV-OH (156) and Huntington-Ashland, WV-KY-OH (122) (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 1,911
Total Mortgage Loan Application Amount $199,006,000
Average Mortgage Loan Application Amount $104,137
Highest Mortgage Loan Application Amount $9,300,000
Average Applicant Income $77,555
Highest Applicant Income $1,237,000

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Act (HMDA) records United Bank Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010

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 178 $ 31,910,000 $ 179,269 $ 131,000
Wood, West Virginia 127 $ 17,329,000 $ 136,448 $ 91,000
Monongalia, West Virginia 92 $ 28,527,000 $ 310,076 $ 79,000
Jackson, West Virginia 91 $ 7,345,000 $ 80,714 $ 59,000
Fayette, West Virginia 85 $ 5,497,000 $ 64,670 $ 51,000
Cabell, West Virginia 77 $ 11,990,000 $ 155,714 $ 103,000
Raleigh, West Virginia 67 $ 9,693,000 $ 144,671 $ 110,000
Lewis, West Virginia 56 $ 3,356,000 $ 59,928 $ 54,000
Ohio, West Virginia 54 $ 5,506,000 $ 101,962 $ 88,000
York, Pennsylvania 53 $ 502,000 $ 9,471 $ 77,000
Putnam, West Virginia 45 $ 8,587,000 $ 190,822 $ 130,000
Webster, West Virginia 44 $ 788,000 $ 17,909 $ 41,000
Allegheny, Pennsylvania 42 $ 801,000 $ 19,071 $ 56,000
Marshall, West Virginia 37 $ 2,755,000 $ 74,459 $ 51,000
Harrison, West Virginia 35 $ 4,449,000 $ 127,114 $ 56,000
Summit, Ohio 33 $ 400,000 $ 12,121 $ 61,000
Wayne, West Virginia 32 $ 2,987,000 $ 93,343 $ 85,000
Belmont, Ohio 31 $ 1,649,000 $ 53,193 $ 60,000
Stark, Ohio 31 $ 356,000 $ 11,483 $ 43,000
Nicholas, West Virginia 28 $ 2,183,000 $ 77,964 $ 69,000
Gilmer, West Virginia 25 $ 1,444,000 $ 57,760 $ 52,000
Jefferson, West Virginia 24 $ 7,886,000 $ 328,583 $ 65,000
Montgomery, Ohio 21 $ 258,000 $ 12,285 $ 56,000
Berkeley, West Virginia 21 $ 1,502,000 $ 71,523 $ 46,000
Jefferson, Ohio 19 $ 181,000 $ 9,526 $ 57,000
Blair, Pennsylvania 19 $ 222,000 $ 11,684 $ 56,000
Lancaster, Pennsylvania 18 $ 277,000 $ 15,388 $ 79,000
Westmoreland, Pennsylvania 18 $ 163,000 $ 9,055 $ 49,000
Armstrong, Pennsylvania 17 $ 145,000 $ 8,529 $ 48,000
Logan, West Virginia 17 $ 1,198,000 $ 70,470 $ 59,000
Marion, West Virginia 17 $ 1,248,000 $ 73,411 $ 65,000
Boone, West Virginia 16 $ 1,375,000 $ 85,937 $ 57,000
Washington, Ohio 15 $ 2,525,000 $ 168,333 $ 102,000
Washington, Pennsylvania 14 $ 821,000 $ 58,642 $ 61,000
Lawrence, Ohio 12 $ 1,351,000 $ 112,583 $ 64,000
Fayette, Pennsylvania 12 $ 498,000 $ 41,500 $ 36,000
Greenbrier, West Virginia 12 $ 5,532,000 $ 461,000 $ 191,000
Hancock, West Virginia 12 $ 598,000 $ 49,833 $ 83,000
Preston, West Virginia 12 $ 1,020,000 $ 85,000 $ 60,000
Beaver, Pennsylvania 11 $ 137,000 $ 12,454 $ 55,000
Pleasants, West Virginia 11 $ 923,000 $ 83,909 $ 71,000
Braxton, West Virginia 10 $ 443,000 $ 44,300 $ 55,000
Dauphin, Pennsylvania 9 $ 133,000 $ 14,777 $ 70,000
Franklin, Ohio 8 $ 582,000 $ 72,750 $ 63,000
Trumbull, Ohio 8 $ 118,000 $ 14,750 $ 34,000
Cumberland, Pennsylvania 8 $ 109,000 $ 13,625 $ 87,000
Erie, Pennsylvania 8 $ 86,000 $ 10,750 $ 45,000
Greene, Pennsylvania 8 $ 567,000 $ 70,875 $ 52,000
Upshur, West Virginia 8 $ 697,000 $ 87,125 $ 78,000
Lehigh, Pennsylvania 7 $ 119,000 $ 17,000 $ 76,000
Barbour, West Virginia 7 $ 555,000 $ 79,285 $ 37,000
Baltimore, Maryland 6 $ 129,000 $ 21,500 $ 95,000
Chautauqua, New York 6 $ 81,000 $ 13,500 $ 49,000
Athens, Ohio 6 $ 522,000 $ 87,000 $ 55,000
Portage, Ohio 6 $ 62,000 $ 10,333 $ 69,000
Brooke, West Virginia 6 $ 598,000 $ 99,666 $ 92,000
Columbiana, Ohio 5 $ 50,000 $ 10,000 $ 34,000
Lucas, Ohio 5 $ 63,000 $ 12,600 $ 63,000
Medina, Ohio 5 $ 71,000 $ 14,200 $ 49,000
Berks, Pennsylvania 5 $ 78,000 $ 15,600 $ 87,000
Somerset, Pennsylvania 5 $ 48,000 $ 9,600 $ 38,000
Washington, Maryland 4 $ 442,000 $ 110,500 $ 91,000
Cuyahoga, Ohio 4 $ 29,000 $ 7,250 $ 59,000
Clearfield, Pennsylvania 4 $ 35,000 $ 8,750 $ 32,000
Luzerne, Pennsylvania 4 $ 87,000 $ 21,750 $ 35,000
Calhoun, West Virginia 4 $ 500,000 $ 125,000 $ 88,000
Mason, West Virginia 4 $ 401,000 $ 100,250 $ 238,000
Roane, West Virginia 4 $ 87,000 $ 21,750 $ 30,000
Taylor, West Virginia 4 $ 293,000 $ 73,250 $ 51,000
District of Columbia, District Of Columbia 3 $ 449,000 $ 149,666 $ 95,000
Harford, Maryland 3 $ 55,000 $ 18,333 $ 331,000
Wilkes, North Carolina 3 $ 18,000 $ 6,000 $ 34,000
Fairfield, Ohio 3 $ 41,000 $ 13,666 $ 128,000
Mahoning, Ohio 3 $ 40,000 $ 13,333 $ 35,000
Cambria, Pennsylvania 3 $ 39,000 $ 13,000 $ 33,000
Franklin, Pennsylvania 3 $ 33,000 $ 11,000 $ 56,000
Lebanon, Pennsylvania 3 $ 363,000 $ 121,000 $ 89,000
Mercer, Pennsylvania 3 $ 26,000 $ 8,666 $ 47,000
Montgomery, Pennsylvania 3 $ 61,000 $ 20,333 $ 160,000
Northampton, Pennsylvania 3 $ 43,000 $ 14,333 $ 92,000
Schuylkill, Pennsylvania 3 $ 52,000 $ 17,333 $ 26,000
Pocahontas, West Virginia 3 $ 305,000 $ 101,666 $ 44,000
Wirt, West Virginia 3 $ 248,000 $ 82,666 $ 42,000
Volusia, Florida 2 $ 157,000 $ 78,500 $ 30,000
Fayette, Kentucky 2 $ 6,950,000 $ 3,475,000 $ 0
Carroll, Maryland 2 $ 38,000 $ 19,000 $ 164,000
Cecil, Maryland 2 $ 50,000 $ 25,000 $ 148,000
Jefferson, New York 2 $ 35,000 $ 17,500 $ 87,000
Onondaga, New York 2 $ 26,000 $ 13,000 $ 52,000
Alexander, North Carolina 2 $ 8,000 $ 4,000 $ 15,000
Davidson, North Carolina 2 $ 7,000 $ 3,500 $ 34,000
Orange, North Carolina 2 $ 6,000 $ 3,000 $ 27,000
Richmond, North Carolina 2 $ 685,000 $ 342,500 $ 349,000
Delaware, Ohio 2 $ 694,000 $ 347,000 $ 144,000
Harrison, Ohio 2 $ 10,000 $ 5,000 $ 57,000
Chester, Pennsylvania 2 $ 17,000 $ 8,500 $ 25,000
Clarion, Pennsylvania 2 $ 32,000 $ 16,000 $ 45,000
Jefferson, Pennsylvania 2 $ 14,000 $ 7,000 $ 31,000
Lawrence, Pennsylvania 2 $ 37,000 $ 18,500 $ 69,000
McKean, Pennsylvania 2 $ 13,000 $ 6,500 $ 24,000
Mifflin, Pennsylvania 2 $ 43,000 $ 21,500 $ 38,000
Northumberland, Pennsylvania 2 $ 27,000 $ 13,500 $ 46,000
Horry, South Carolina 2 $ 511,000 $ 255,500 $ 51,000
Frederick, Virginia 2 $ 300,000 $ 150,000 $ 25,000
Lincoln, West Virginia 2 $ 108,000 $ 54,000 $ 100,000
Mercer, West Virginia 2 $ 148,000 $ 74,000 $ 65,000
Mingo, West Virginia 2 $ 136,000 $ 68,000 $ 115,000
Randolph, West Virginia 2 $ 64,000 $ 32,000 $ 68,000
Ritchie, West Virginia 2 $ 100,000 $ 50,000 $ 72,000
Tucker, West Virginia 2 $ 50,000 $ 25,000 $ 39,000
Collier, Florida 1 $ 319,000 $ 319,000 $ 91,000
Lee, Florida 1 $ 882,000 $ 882,000 $ 0
Miami-Dade, Florida 1 $ 384,000 $ 384,000 $ 135,000
Osceola, Florida 1 $ 120,000 $ 120,000 $ 146,000
Palm Beach, Florida 1 $ 80,000 $ 80,000 $ 232,000
Boyd, Kentucky 1 $ 252,000 $ 252,000 $ 206,000
Campbell, Kentucky 1 $ 17,000 $ 17,000 $ 66,000
Baltimore City, Maryland 1 $ 25,000 $ 25,000 $ 87,000
Calvert, Maryland 1 $ 6,000 $ 6,000 $ 50,000
Frederick, Maryland 1 $ 25,000 $ 25,000 $ 162,000
Montgomery, Maryland 1 $ 25,000 $ 25,000 $ 63,000
Essex, New Jersey 1 $ 25,000 $ 25,000 $ 69,000
Hudson, New Jersey 1 $ 25,000 $ 25,000 $ 96,000
Monmouth, New Jersey 1 $ 25,000 $ 25,000 $ 84,000
Sussex, New Jersey 1 $ 13,000 $ 13,000 $ 98,000
Cortland, New York 1 $ 3,000 $ 3,000 $ 59,000
Erie, New York 1 $ 7,000 $ 7,000 $ 100,000
Oswego, New York 1 $ 12,000 $ 12,000 $ 19,000
Queens, New York 1 $ 25,000 $ 25,000 $ 76,000
Brunswick, North Carolina 1 $ 5,000 $ 5,000 $ 8,000
Columbus, North Carolina 1 $ 7,000 $ 7,000 $ 53,000
Franklin, North Carolina 1 $ 5,000 $ 5,000 $ 59,000
Granville, North Carolina 1 $ 15,000 $ 15,000 $ 38,000
Iredell, North Carolina 1 $ 6,000 $ 6,000 $ 24,000
Martin, North Carolina 1 $ 4,000 $ 4,000 $ 53,000
McDowell, North Carolina 1 $ 7,000 $ 7,000 $ 51,000
Pender, North Carolina 1 $ 4,000 $ 4,000 $ 51,000
Polk, North Carolina 1 $ 3,000 $ 3,000 $ 10,000
Rockingham, North Carolina 1 $ 7,000 $ 7,000 $ 38,000
Washington, North Carolina 1 $ 7,000 $ 7,000 $ 19,000
Ashland, Ohio 1 $ 42,000 $ 42,000 $ 150,000
Ashtabula, Ohio 1 $ 4,000 $ 4,000 $ 12,000
Clark, Ohio 1 $ 16,000 $ 16,000 $ 38,000
Clermont, Ohio 1 $ 8,000 $ 8,000 $ 62,000
Guernsey, Ohio 1 $ 5,000 $ 5,000 $ 46,000
Licking, Ohio 1 $ 25,000 $ 25,000 $ 100,000
Lorain, Ohio 1 $ 5,000 $ 5,000 $ 44,000
Meigs, Ohio 1 $ 12,000 $ 12,000 $ 42,000
Noble, Ohio 1 $ 23,000 $ 23,000 $ 80,000
Richland, Ohio 1 $ 228,000 $ 228,000 $ 148,000
Butler, Pennsylvania 1 $ 7,000 $ 7,000 $ 16,000
Cameron, Pennsylvania 1 $ 25,000 $ 25,000 $ 43,000
Carbon, Pennsylvania 1 $ 15,000 $ 15,000 $ 70,000
Clinton, Pennsylvania 1 $ 6,000 $ 6,000 $ 30,000
Columbia, Pennsylvania 1 $ 12,000 $ 12,000 $ 28,000
Crawford, Pennsylvania 1 $ 23,000 $ 23,000 $ 49,000
Elk, Pennsylvania 1 $ 6,000 $ 6,000 $ 40,000
Huntingdon, Pennsylvania 1 $ 6,000 $ 6,000 $ 37,000
Indiana, Pennsylvania 1 $ 3,000 $ 3,000 $ 29,000
Lackawanna, Pennsylvania 1 $ 14,000 $ 14,000 $ 30,000
Lycoming, Pennsylvania 1 $ 23,000 $ 23,000 $ 34,000
Perry, Pennsylvania 1 $ 9,000 $ 9,000 $ 64,000
Philadelphia, Pennsylvania 1 $ 13,000 $ 13,000 $ 36,000
Tioga, Pennsylvania 1 $ 5,000 $ 5,000 $ 40,000
Warren, Pennsylvania 1 $ 23,000 $ 23,000 $ 30,000
Wyoming, Pennsylvania 1 $ 6,000 $ 6,000 $ 12,000
Lancaster, South Carolina 1 $ 4,000 $ 4,000 $ 8,000
Albemarle, Virginia 1 $ 385,000 $ 385,000 $ 289,000
Madison, Virginia 1 $ 25,000 $ 25,000 $ 34,000
Prince William, Virginia 1 $ 10,000 $ 10,000 $ 43,000
Warren, Virginia 1 $ 285,000 $ 285,000 $ 105,000
Doddridge, West Virginia 1 $ 100,000 $ 100,000 $ 53,000
Monroe, West Virginia 1 $ 150,000 $ 150,000 $ 248,000
Morgan, West Virginia 1 $ 200,000 $ 200,000 $ 103,000
Wetzel, West Virginia 1 $ 3,000 $ 3,000 $ 33,000
Wyoming, West Virginia 1 $ 2,000 $ 2,000 $ 50,000

Mortgage Loan Application Detail Totals for United Bank Inc in 2010

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 944 $18,454,000 $19,000 $1,975,000 $59,000 $737,000
Home Purchase 524 $94,518,000 $180,000 $4,450,000 $103,000 $1,237,000
Refinancing 443 $86,034,000 $194,000 $9,300,000 $87,000 $713,000

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 1,690 $152,513,000 $90,000 $2,015,000 $81,000 $1,237,000
Black or African American 95 $1,737,000 $18,000 $188,000 $56,000 $311,000
Not applicable 67 $38,756,000 $578,000 $9,300,000 $0 $0
Not Provided 22 $835,000 $37,000 $370,000 $62,000 $188,000
Hispanic 19 $2,198,000 $115,000 $590,000 $103,000 $369,000
Asian 14 $2,887,000 $206,000 $340,000 $166,000 $492,000
American Indian or Alaskan Native 2 $18,000 $9,000 $16,000 $27,000 $40,000
Native Hawaiian or Other Pacific Islander 2 $62,000 $31,000 $39,000 $100,000 $105,000

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) 1,306 $192,135,000 $147,000 $9,300,000 $87,000 $1,237,000
FHA-insured (Federal Housing Administration) 605 $6,871,000 $11,000 $25,000 $58,000 $663,000
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 1,204 $168,903,000 $140,000 $9,300,000 $89,000 $1,237,000
Application Denied By Financial Institution 484 $16,987,000 $35,000 $447,000 $52,000 $577,000
Application Withdrawn By Applicant 120 $8,504,000 $70,000 $417,000 $76,000 $577,000
Application Approved But Not Accepted 98 $4,221,000 $43,000 $279,000 $67,000 $228,000
File Closed For Incompleteness 5 $391,000 $78,000 $195,000 $63,000 $115,000
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 267 $7,213,000 $27,000 $447,000 $51,000 $340,000
Debt-To-Income Ratio 149 $4,547,000 $30,000 $370,000 $47,000 $298,000
Other 34 $1,669,000 $49,000 $250,000 $66,000 $178,000
Collateral 26 $2,953,000 $113,000 $417,000 $80,000 $577,000
Employment History 4 $90,000 $22,000 $80,000 $45,000 $90,000
Unverifiable Information 3 $315,000 $105,000 $161,000 $52,000 $66,000
Insufficient Cash (Downpayment, Closing Cost) 1 $200,000 $200,000 $200,000 $56,000 $56,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Credit Application Incomplete 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank Inc's 2010 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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