United Bank Inc Mortgage Lending & HMDA Data, 2011

In 2011, United Bank Inc of Parkersburg, WV reported 1,639 mortgage applications totaling $172.5 million, down 14% from 2010. The average application was for $105,216, and applicants reported an average income of $86,459. 69% of its applications resulted in an originated loan and 21% were denied. Its largest markets were Charleston, WV (237), Parkersburg-Marietta-Vienna, WV-OH (198) and Wheeling, WV-OH (100) (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 1,639
Total Mortgage Loan Application Amount $172,450,000
Average Mortgage Loan Application Amount $105,216
Highest Mortgage Loan Application Amount $2,547,000
Average Applicant Income $86,459
Highest Applicant Income $1,383,000

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Act (HMDA) records United Bank Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2011

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 185 $ 29,805,000 $ 161,108 $ 114,000
Wood, West Virginia 171 $ 22,066,000 $ 129,040 $ 95,000
Monongalia, West Virginia 83 $ 18,094,000 $ 218,000 $ 90,000
Fayette, West Virginia 78 $ 5,546,000 $ 71,102 $ 64,000
Jackson, West Virginia 78 $ 3,888,000 $ 49,846 $ 58,000
Raleigh, West Virginia 66 $ 9,132,000 $ 138,363 $ 81,000
Cabell, West Virginia 56 $ 8,112,000 $ 144,857 $ 124,000
Ohio, West Virginia 53 $ 4,822,000 $ 90,981 $ 82,000
Webster, West Virginia 40 $ 1,486,000 $ 37,150 $ 59,000
Lewis, West Virginia 39 $ 2,043,000 $ 52,384 $ 73,000
Putnam, West Virginia 36 $ 6,627,000 $ 184,083 $ 115,000
Logan, West Virginia 32 $ 2,270,000 $ 70,937 $ 76,000
Nicholas, West Virginia 32 $ 2,418,000 $ 75,562 $ 76,000
Stark, Ohio 31 $ 309,000 $ 9,967 $ 56,000
Marshall, West Virginia 27 $ 891,000 $ 33,000 $ 55,000
Jefferson, West Virginia 26 $ 4,462,000 $ 171,615 $ 84,000
Wayne, West Virginia 26 $ 1,708,000 $ 65,692 $ 69,000
Gilmer, West Virginia 25 $ 2,007,000 $ 80,280 $ 69,000
Harrison, West Virginia 23 $ 2,284,000 $ 99,304 $ 71,000
Allegheny, Pennsylvania 21 $ 380,000 $ 18,095 $ 60,000
Belmont, Ohio 20 $ 772,000 $ 38,600 $ 55,000
Washington, Ohio 18 $ 2,303,000 $ 127,944 $ 127,000
Fayette, Pennsylvania 17 $ 303,000 $ 17,823 $ 56,000
Braxton, West Virginia 15 $ 791,000 $ 52,733 $ 80,000
York, Pennsylvania 14 $ 139,000 $ 9,928 $ 82,000
Berkeley, West Virginia 14 $ 2,373,000 $ 169,500 $ 46,000
Jefferson, Pennsylvania 13 $ 111,000 $ 8,538 $ 43,000
Greenbrier, West Virginia 13 $ 4,947,000 $ 380,538 $ 197,000
Blair, Pennsylvania 12 $ 154,000 $ 12,833 $ 42,000
Greene, Pennsylvania 12 $ 390,000 $ 32,500 $ 75,000
Westmoreland, Pennsylvania 12 $ 155,000 $ 12,916 $ 39,000
Summit, Ohio 11 $ 95,000 $ 8,636 $ 45,000
Boone, West Virginia 11 $ 1,156,000 $ 105,090 $ 60,000
Marion, West Virginia 11 $ 935,000 $ 85,000 $ 60,000
Lawrence, Ohio 10 $ 1,180,000 $ 118,000 $ 103,000
Jefferson, Ohio 9 $ 754,000 $ 83,777 $ 36,000
Beaver, Pennsylvania 9 $ 102,000 $ 11,333 $ 59,000
Washington, Pennsylvania 9 $ 379,000 $ 42,111 $ 66,000
Butler, Pennsylvania 8 $ 68,000 $ 8,500 $ 46,000
Upshur, West Virginia 8 $ 509,000 $ 63,625 $ 47,000
Calhoun, West Virginia 7 $ 276,000 $ 39,428 $ 40,000
Roane, West Virginia 7 $ 498,000 $ 71,142 $ 50,000
Wirt, West Virginia 7 $ 614,000 $ 87,714 $ 58,000
Lorain, Ohio 6 $ 256,000 $ 42,666 $ 46,000
Trumbull, Ohio 6 $ 37,000 $ 6,166 $ 38,000
Pocahontas, West Virginia 6 $ 713,000 $ 118,833 $ 115,000
Preston, West Virginia 6 $ 788,000 $ 131,333 $ 81,000
Ritchie, West Virginia 6 $ 661,000 $ 110,166 $ 63,000
Portage, Ohio 5 $ 36,000 $ 7,200 $ 63,000
Dauphin, Pennsylvania 5 $ 58,000 $ 11,600 $ 84,000
Northampton, Pennsylvania 5 $ 96,000 $ 19,200 $ 92,000
Horry, South Carolina 5 $ 1,668,000 $ 333,600 $ 177,000
Mingo, West Virginia 5 $ 100,000 $ 20,000 $ 64,000
Franklin, Ohio 4 $ 113,000 $ 28,250 $ 47,000
Armstrong, Pennsylvania 4 $ 26,000 $ 6,500 $ 40,000
McKean, Pennsylvania 4 $ 24,000 $ 6,000 $ 41,000
Somerset, Pennsylvania 4 $ 36,000 $ 9,000 $ 45,000
Fairfax, Virginia 4 $ 783,000 $ 195,750 $ 170,000
Barbour, West Virginia 4 $ 285,000 $ 71,250 $ 97,000
Summers, West Virginia 4 $ 310,000 $ 77,500 $ 66,000
Garrett, Maryland 3 $ 1,615,000 $ 538,333 $ 487,000
Columbus, North Carolina 3 $ 12,000 $ 4,000 $ 23,000
Hamilton, Ohio 3 $ 30,000 $ 10,000 $ 47,000
Cumberland, Pennsylvania 3 $ 17,000 $ 5,666 $ 92,000
Lancaster, Pennsylvania 3 $ 34,000 $ 11,333 $ 81,000
Luzerne, Pennsylvania 3 $ 32,000 $ 10,666 $ 63,000
Brooke, West Virginia 3 $ 94,000 $ 31,333 $ 121,000
Clay, West Virginia 3 $ 91,000 $ 30,333 $ 37,000
Randolph, West Virginia 3 $ 73,000 $ 24,333 $ 62,000
Tucker, West Virginia 3 $ 515,000 $ 171,666 $ 211,000
Palm Beach, Florida 2 $ 1,344,000 $ 672,000 $ 1,093,000
Lawrence, Kentucky 2 $ 387,000 $ 193,500 $ 104,000
Harford, Maryland 2 $ 33,000 $ 16,500 $ 92,000
Anson, North Carolina 2 $ 11,000 $ 5,500 $ 52,000
Iredell, North Carolina 2 $ 633,000 $ 316,500 $ 184,000
Mecklenburg, North Carolina 2 $ 914,000 $ 457,000 $ 271,000
Ashtabula, Ohio 2 $ 11,000 $ 5,500 $ 25,000
Columbiana, Ohio 2 $ 10,000 $ 5,000 $ 47,000
Cuyahoga, Ohio 2 $ 16,000 $ 8,000 $ 32,000
Berks, Pennsylvania 2 $ 24,000 $ 12,000 $ 100,000
Chester, Pennsylvania 2 $ 27,000 $ 13,500 $ 81,000
Crawford, Pennsylvania 2 $ 13,000 $ 6,500 $ 25,000
Erie, Pennsylvania 2 $ 10,000 $ 5,000 $ 47,000
Indiana, Pennsylvania 2 $ 14,000 $ 7,000 $ 37,000
Monroe, Pennsylvania 2 $ 39,000 $ 19,500 $ 104,000
Philadelphia, Pennsylvania 2 $ 167,000 $ 83,500 $ 204,000
Tioga, Pennsylvania 2 $ 12,000 $ 6,000 $ 33,000
Beaufort, South Carolina 2 $ 1,537,000 $ 768,500 $ 0
Richland, South Carolina 2 $ 12,000 $ 6,000 $ 51,000
Arlington, Virginia 2 $ 467,000 $ 233,500 $ 175,000
Lynchburg, Virginia 2 $ 234,000 $ 117,000 $ 277,000
Hancock, West Virginia 2 $ 101,000 $ 50,500 $ 42,000
Lincoln, West Virginia 2 $ 117,000 $ 58,500 $ 87,000
Mason, West Virginia 2 $ 285,000 $ 142,500 $ 158,000
Monroe, West Virginia 2 $ 1,142,000 $ 571,000 $ 551,000
Pleasants, West Virginia 2 $ 275,000 $ 137,500 $ 97,000
Taylor, West Virginia 2 $ 110,000 $ 55,000 $ 31,000
Baldwin, Alabama 1 $ 10,000 $ 10,000 $ 29,000
Eagle, Colorado 1 $ 313,000 $ 313,000 $ 0
Summit, Colorado 1 $ 285,000 $ 285,000 $ 162,000
Collier, Florida 1 $ 500,000 $ 500,000 $ 242,000
Lee, Florida 1 $ 225,000 $ 225,000 $ 280,000
Santa Rosa, Florida 1 $ 225,000 $ 225,000 $ 31,000
Huntington, Indiana 1 $ 6,000 $ 6,000 $ 33,000
Boyd, Kentucky 1 $ 140,000 $ 140,000 $ 0
Fayette, Kentucky 1 $ 400,000 $ 400,000 $ 0
Orleans, Louisiana 1 $ 101,000 $ 101,000 $ 354,000
Baltimore, Maryland 1 $ 7,000 $ 7,000 $ 22,000
Cecil, Maryland 1 $ 25,000 $ 25,000 $ 133,000
Howard, Maryland 1 $ 25,000 $ 25,000 $ 96,000
Washington, Maryland 1 $ 225,000 $ 225,000 $ 520,000
Hunterdon, New Jersey 1 $ 19,000 $ 19,000 $ 54,000
Middlesex, New Jersey 1 $ 17,000 $ 17,000 $ 108,000
Monmouth, New Jersey 1 $ 73,000 $ 73,000 $ 100,000
Livingston, New York 1 $ 5,000 $ 5,000 $ 38,000
Orange, New York 1 $ 17,000 $ 17,000 $ 195,000
Steuben, New York 1 $ 6,000 $ 6,000 $ 50,000
Wyoming, New York 1 $ 4,000 $ 4,000 $ 40,000
Alamance, North Carolina 1 $ 4,000 $ 4,000 $ 35,000
Brunswick, North Carolina 1 $ 3,000 $ 3,000 $ 39,000
Buncombe, North Carolina 1 $ 7,000 $ 7,000 $ 41,000
Burke, North Carolina 1 $ 6,000 $ 6,000 $ 21,000
Cabarrus, North Carolina 1 $ 5,000 $ 5,000 $ 36,000
Pender, North Carolina 1 $ 6,000 $ 6,000 $ 37,000
Pitt, North Carolina 1 $ 4,000 $ 4,000 $ 20,000
Polk, North Carolina 1 $ 5,000 $ 5,000 $ 12,000
Randolph, North Carolina 1 $ 3,000 $ 3,000 $ 23,000
Richmond, North Carolina 1 $ 670,000 $ 670,000 $ 610,000
Surry, North Carolina 1 $ 7,000 $ 7,000 $ 25,000
Warren, North Carolina 1 $ 6,000 $ 6,000 $ 25,000
Wilkes, North Carolina 1 $ 3,000 $ 3,000 $ 35,000
Athens, Ohio 1 $ 56,000 $ 56,000 $ 27,000
Carroll, Ohio 1 $ 204,000 $ 204,000 $ 234,000
Guernsey, Ohio 1 $ 8,000 $ 8,000 $ 50,000
Harrison, Ohio 1 $ 11,000 $ 11,000 $ 28,000
Lake, Ohio 1 $ 4,000 $ 4,000 $ 31,000
Lucas, Ohio 1 $ 10,000 $ 10,000 $ 59,000
Medina, Ohio 1 $ 6,000 $ 6,000 $ 36,000
Meigs, Ohio 1 $ 153,000 $ 153,000 $ 46,000
Monroe, Ohio 1 $ 4,000 $ 4,000 $ 48,000
Morgan, Ohio 1 $ 19,000 $ 19,000 $ 40,000
Noble, Ohio 1 $ 3,000 $ 3,000 $ 56,000
Ottawa, Ohio 1 $ 340,000 $ 340,000 $ 132,000
Tuscarawas, Ohio 1 $ 14,000 $ 14,000 $ 82,000
Wayne, Ohio 1 $ 22,000 $ 22,000 $ 40,000
Wood, Ohio 1 $ 23,000 $ 23,000 $ 57,000
Adams, Pennsylvania 1 $ 21,000 $ 21,000 $ 76,000
Centre, Pennsylvania 1 $ 6,000 $ 6,000 $ 30,000
Clarion, Pennsylvania 1 $ 7,000 $ 7,000 $ 27,000
Clearfield, Pennsylvania 1 $ 16,000 $ 16,000 $ 46,000
Franklin, Pennsylvania 1 $ 5,000 $ 5,000 $ 11,000
Lawrence, Pennsylvania 1 $ 7,000 $ 7,000 $ 54,000
Lebanon, Pennsylvania 1 $ 11,000 $ 11,000 $ 37,000
Lehigh, Pennsylvania 1 $ 22,000 $ 22,000 $ 78,000
Mifflin, Pennsylvania 1 $ 14,000 $ 14,000 $ 66,000
Montgomery, Pennsylvania 1 $ 9,000 $ 9,000 $ 52,000
Perry, Pennsylvania 1 $ 8,000 $ 8,000 $ 48,000
Schuylkill, Pennsylvania 1 $ 14,000 $ 14,000 $ 72,000
Warren, Pennsylvania 1 $ 5,000 $ 5,000 $ 25,000
Charleston, South Carolina 1 $ 785,000 $ 785,000 $ 347,000
Marlboro, South Carolina 1 $ 3,000 $ 3,000 $ 10,000
Brazoria, Texas 1 $ 284,000 $ 284,000 $ 800,000
Campbell, Virginia 1 $ 142,000 $ 142,000 $ 0
Clarke, Virginia 1 $ 498,000 $ 498,000 $ 0
Frederick, Virginia 1 $ 7,000 $ 7,000 $ 46,000
Norfolk, Virginia 1 $ 22,000 $ 22,000 $ 42,000
Rockingham, Virginia 1 $ 208,000 $ 208,000 $ 251,000
Virginia Beach, Virginia 1 $ 25,000 $ 25,000 $ 120,000
Winchester, Virginia 1 $ 1,000,000 $ 1,000,000 $ 1,010,000
Mercer, West Virginia 1 $ 690,000 $ 690,000 $ 324,000
Tyler, West Virginia 1 $ 15,000 $ 15,000 $ 36,000
Wyoming, West Virginia 1 $ 5,000 $ 5,000 $ 125,000
Walworth, Wisconsin 1 $ 140,000 $ 140,000 $ 300,000
Teton, Wyoming 1 $ 445,000 $ 445,000 $ 115,000

Mortgage Loan Application Detail Totals for United Bank Inc in 2011

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 749 $12,722,000 $16,000 $534,000 $57,000 $480,000
Home Purchase 482 $82,599,000 $171,000 $1,680,000 $103,000 $1,354,000
Refinancing 408 $77,129,000 $189,000 $2,547,000 $121,000 $1,383,000

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 1,464 $145,708,000 $99,000 $1,680,000 $90,000 $1,383,000
Not applicable 78 $19,546,000 $250,000 $2,547,000 $0 $0
Black or African American 56 $1,915,000 $34,000 $361,000 $62,000 $252,000
Asian 24 $3,717,000 $154,000 $417,000 $230,000 $587,000
Hispanic 8 $1,151,000 $143,000 $543,000 $109,000 $261,000
Not Provided 7 $339,000 $48,000 $295,000 $108,000 $480,000
Native Hawaiian or Other Pacific Islander 1 $71,000 $71,000 $71,000 $51,000 $51,000
American Indian or Alaskan Native 1 $3,000 $3,000 $3,000 $15,000 $15,000

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) 1,277 $168,653,000 $132,000 $2,547,000 $96,000 $1,383,000
FHA-insured (Federal Housing Administration) 362 $3,797,000 $10,000 $73,000 $54,000 $195,000
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 1,130 $147,994,000 $130,000 $2,547,000 $99,000 $1,383,000
Application Denied By Financial Institution 351 $12,061,000 $34,000 $690,000 $50,000 $480,000
Application Approved But Not Accepted 109 $9,099,000 $83,000 $620,000 $81,000 $365,000
Application Withdrawn By Applicant 42 $2,158,000 $51,000 $242,000 $59,000 $150,000
File Closed For Incompleteness 7 $1,138,000 $162,000 $525,000 $94,000 $196,000
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 207 $5,934,000 $28,000 $267,000 $51,000 $480,000
Debt-To-Income Ratio 105 $2,276,000 $21,000 $351,000 $38,000 $136,000
Collateral 19 $2,773,000 $145,000 $690,000 $83,000 $324,000
Other 10 $548,000 $54,000 $295,000 $79,000 $121,000
Employment History 6 $332,000 $55,000 $183,000 $46,000 $74,000
Credit Application Incomplete 3 $38,000 $12,000 $20,000 $58,000 $82,000
Unverifiable Information 1 $160,000 $160,000 $160,000 $88,000 $88,000
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 2011 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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