United Bank Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
United Bank Inc 2013 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 | 2,872 |
| Total Mortgage Loan Application Amount | $480,823,000 |
| Average Mortgage Loan Application Amount | $165,000 |
| Highest Mortgage Loan Application Amount | $44,200,000 |
| Average Applicant Income | $98,000 |
| Highest Applicant Income | $5,592,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Monongalia County West Virginia | 386 | $ 153,034,000 | $ 396,000 | $ 115,000 |
| Kanawha County West Virginia | 202 | $ 36,646,000 | $ 181,000 | $ 123,000 |
| Fayette County Pennsylvania | 181 | $ 12,860,000 | $ 71,000 | $ 70,000 |
| Wood County West Virginia | 180 | $ 24,337,000 | $ 135,000 | $ 76,000 |
| Berkeley County West Virginia | 150 | $ 23,817,000 | $ 158,000 | $ 97,000 |
| Raleigh County West Virginia | 131 | $ 19,068,000 | $ 145,000 | $ 105,000 |
| Washington County Maryland | 114 | $ 23,056,000 | $ 202,000 | $ 111,000 |
| Jackson County West Virginia | 108 | $ 11,076,000 | $ 102,000 | $ 80,000 |
| Fayette County West Virginia | 106 | $ 9,247,000 | $ 87,000 | $ 67,000 |
| Cabell County West Virginia | 84 | $ 19,875,000 | $ 236,000 | $ 131,000 |
| Jefferson County West Virginia | 71 | $ 14,693,000 | $ 206,000 | $ 100,000 |
| Ohio County West Virginia | 65 | $ 7,978,000 | $ 122,000 | $ 91,000 |
| Webster County West Virginia | 57 | $ 2,466,000 | $ 43,000 | $ 62,000 |
| Putnam County West Virginia | 51 | $ 11,718,000 | $ 229,000 | $ 134,000 |
| Nicholas County West Virginia | 48 | $ 4,590,000 | $ 95,000 | $ 78,000 |
| Lewis County West Virginia | 45 | $ 2,643,000 | $ 58,000 | $ 61,000 |
| Belmont County Ohio | 35 | $ 2,649,000 | $ 75,000 | $ 80,000 |
| Wayne County West Virginia | 34 | $ 2,675,000 | $ 78,000 | $ 64,000 |
| Washington County Ohio | 32 | $ 6,282,000 | $ 196,000 | $ 153,000 |
| Allegheny County Pennsylvania | 29 | $ 1,296,000 | $ 44,000 | $ 60,000 |
| Westmoreland County Pennsylvania | 29 | $ 748,000 | $ 25,000 | $ 49,000 |
| Marshall County West Virginia | 29 | $ 2,242,000 | $ 77,000 | $ 70,000 |
| Harrison County West Virginia | 26 | $ 4,582,000 | $ 176,000 | $ 93,000 |
| Gilmer County West Virginia | 25 | $ 1,892,000 | $ 75,000 | $ 66,000 |
| Stark County Ohio | 24 | $ 280,000 | $ 11,000 | $ 56,000 |
| Washington County Pennsylvania | 24 | $ 6,702,000 | $ 279,000 | $ 42,000 |
| Greenbrier County West Virginia | 22 | $ 11,603,000 | $ 527,000 | $ 320,000 |
| Preston County West Virginia | 22 | $ 2,700,000 | $ 122,000 | $ 77,000 |
| Boone County West Virginia | 20 | $ 1,533,000 | $ 76,000 | $ 77,000 |
| York County Pennsylvania | 19 | $ 260,000 | $ 13,000 | $ 82,000 |
| Hancock County West Virginia | 18 | $ 1,192,000 | $ 66,000 | $ 52,000 |
| Logan County West Virginia | 18 | $ 1,120,000 | $ 62,000 | $ 78,000 |
| Marion County West Virginia | 17 | $ 1,499,000 | $ 88,000 | $ 69,000 |
| Summit County Ohio | 16 | $ 157,000 | $ 9,000 | $ 73,000 |
| Greene County Pennsylvania | 13 | $ 827,000 | $ 63,000 | $ 57,000 |
| Lawrence County Ohio | 12 | $ 1,200,000 | $ 100,000 | $ 56,000 |
| Franklin County Pennsylvania | 12 | $ 2,499,000 | $ 208,000 | $ 98,000 |
| Lehigh County Pennsylvania | 12 | $ 196,000 | $ 16,000 | $ 113,000 |
| Armstrong County Pennsylvania | 11 | $ 160,000 | $ 14,000 | $ 59,000 |
| Braxton County West Virginia | 10 | $ 955,000 | $ 95,000 | $ 64,000 |
| Roane County West Virginia | 10 | $ 991,000 | $ 99,000 | $ 160,000 |
| Cambria County Pennsylvania | 9 | $ 121,000 | $ 13,000 | $ 49,000 |
| Frederick County Maryland | 8 | $ 3,292,000 | $ 411,000 | $ 176,000 |
| Berks County Pennsylvania | 8 | $ 121,000 | $ 15,000 | $ 103,000 |
| Dauphin County Pennsylvania | 8 | $ 148,000 | $ 18,000 | $ 81,000 |
| Brooke County West Virginia | 8 | $ 784,000 | $ 98,000 | $ 96,000 |
| Cuyahoga County Ohio | 7 | $ 184,000 | $ 26,000 | $ 54,000 |
| Franklin County Ohio | 7 | $ 467,000 | $ 66,000 | $ 186,000 |
| Pocahontas County West Virginia | 7 | $ 1,526,000 | $ 218,000 | $ 227,000 |
| Summers County West Virginia | 7 | $ 644,000 | $ 92,000 | $ 83,000 |
| Upshur County West Virginia | 7 | $ 529,000 | $ 75,000 | $ 97,000 |
| Garrett County Maryland | 6 | $ 1,162,000 | $ 193,000 | $ 111,000 |
| Columbiana County Ohio | 6 | $ 43,000 | $ 7,000 | $ 38,000 |
| Butler County Pennsylvania | 6 | $ 652,000 | $ 108,000 | $ 119,000 |
| Lancaster County Pennsylvania | 6 | $ 111,000 | $ 18,000 | $ 56,000 |
| Broome County New York | 5 | $ 61,000 | $ 12,000 | $ 39,000 |
| Harrison County Ohio | 5 | $ 71,000 | $ 14,000 | $ 45,000 |
| Lorain County Ohio | 5 | $ 61,000 | $ 12,000 | $ 55,000 |
| Portage County Ohio | 5 | $ 41,000 | $ 8,000 | $ 55,000 |
| Crawford County Pennsylvania | 5 | $ 51,000 | $ 10,000 | $ 35,000 |
| Jefferson County Pennsylvania | 5 | $ 40,000 | $ 8,000 | $ 36,000 |
| Lebanon County Pennsylvania | 5 | $ 82,000 | $ 16,000 | $ 76,000 |
| Monroe County Pennsylvania | 5 | $ 87,000 | $ 17,000 | $ 118,000 |
| Horry County South Carolina | 5 | $ 856,000 | $ 171,000 | $ 190,000 |
| Tucker County West Virginia | 5 | $ 500,000 | $ 100,000 | $ 161,000 |
| Lawrence County Kentucky | 4 | $ 378,000 | $ 94,000 | $ 77,000 |
| Allegany County Maryland | 4 | $ 2,346,000 | $ 586,000 | $ 14,000 |
| Jefferson County Ohio | 4 | $ 121,000 | $ 30,000 | $ 41,000 |
| Luzerne County Pennsylvania | 4 | $ 90,000 | $ 22,000 | $ 61,000 |
| McKean County Pennsylvania | 4 | $ 28,000 | $ 7,000 | $ 43,000 |
| Calhoun County West Virginia | 4 | $ 137,000 | $ 34,000 | $ 33,000 |
| Ritchie County West Virginia | 4 | $ 258,000 | $ 64,000 | $ 45,000 |
| Taylor County West Virginia | 4 | $ 341,000 | $ 85,000 | $ 93,000 |
| Wirt County West Virginia | 4 | $ 423,000 | $ 105,000 | $ 58,000 |
| Palm Beach County Florida | 3 | $ 1,042,000 | $ 347,000 | $ 388,000 |
| Jefferson County Kentucky | 3 | $ 396,000 | $ 132,000 | $ 146,000 |
| Baltimore County Maryland | 3 | $ 934,000 | $ 311,000 | $ 144,000 |
| Carroll County Ohio | 3 | $ 15,000 | $ 5,000 | $ 40,000 |
| Meigs County Ohio | 3 | $ 247,000 | $ 82,000 | $ 76,000 |
| Adams County Pennsylvania | 3 | $ 62,000 | $ 20,000 | $ 99,000 |
| Beaver County Pennsylvania | 3 | $ 48,000 | $ 16,000 | $ 62,000 |
| Cumberland County Pennsylvania | 3 | $ 51,000 | $ 17,000 | $ 45,000 |
| Northampton County Pennsylvania | 3 | $ 54,000 | $ 18,000 | $ 158,000 |
| Fairfax County Virginia | 3 | $ 1,787,000 | $ 595,000 | $ 109,000 |
| Loudoun County Virginia | 3 | $ 1,306,000 | $ 435,000 | $ 145,000 |
| Barbour County West Virginia | 3 | $ 110,000 | $ 36,000 | $ 131,000 |
| Mercer County West Virginia | 3 | $ 356,000 | $ 118,000 | $ 9,000 |
| Morgan County West Virginia | 3 | $ 450,000 | $ 150,000 | $ 167,000 |
| Sussex County Delaware | 2 | $ 768,000 | $ 384,000 | $ 483,000 |
| District of Columbia County District Of Columbia | 2 | $ 430,000 | $ 215,000 | $ 441,000 |
| Boyd County Kentucky | 2 | $ 145,000 | $ 72,000 | $ 144,000 |
| Cecil County Maryland | 2 | $ 715,000 | $ 357,000 | $ 43,000 |
| Prince George's County Maryland | 2 | $ 164,000 | $ 82,000 | $ 60,000 |
| Burlington County New Jersey | 2 | $ 145,000 | $ 72,000 | $ 43,000 |
| Monmouth County New Jersey | 2 | $ 32,000 | $ 16,000 | $ 68,000 |
| Harnett County North Carolina | 2 | $ 10,000 | $ 5,000 | $ 38,000 |
| Johnston County North Carolina | 2 | $ 93,000 | $ 46,000 | $ 32,000 |
| Mecklenburg County North Carolina | 2 | $ 525,000 | $ 262,000 | $ 280,000 |
| Moore County North Carolina | 2 | $ 597,000 | $ 298,000 | $ 519,000 |
| Rockingham County North Carolina | 2 | $ 30,000 | $ 15,000 | $ 49,000 |
| Gallia County Ohio | 2 | $ 81,000 | $ 40,000 | $ 79,000 |
| Medina County Ohio | 2 | $ 21,000 | $ 10,000 | $ 50,000 |
| Tuscarawas County Ohio | 2 | $ 28,000 | $ 14,000 | $ 44,000 |
| Warren County Ohio | 2 | $ 343,000 | $ 171,000 | $ 41,000 |
| Wayne County Ohio | 2 | $ 11,000 | $ 5,000 | $ 69,000 |
| Clarion County Pennsylvania | 2 | $ 10,000 | $ 5,000 | $ 84,000 |
| Indiana County Pennsylvania | 2 | $ 37,000 | $ 18,000 | $ 99,000 |
| Beaufort County South Carolina | 2 | $ 535,000 | $ 267,000 | $ 153,000 |
| Charleston County South Carolina | 2 | $ 1,200,000 | $ 600,000 | $ 176,000 |
| Greenville County South Carolina | 2 | $ 352,000 | $ 176,000 | $ 180,000 |
| Henrico County Virginia | 2 | $ 460,000 | $ 230,000 | $ 90,000 |
| Winchester County Virginia | 2 | $ 1,620,000 | $ 810,000 | $ 392,000 |
| Mason County West Virginia | 2 | $ 160,000 | $ 80,000 | $ 41,000 |
| Monroe County West Virginia | 2 | $ 337,000 | $ 168,000 | $ 92,000 |
| Pleasants County West Virginia | 2 | $ 34,000 | $ 17,000 | $ 63,000 |
| Randolph County West Virginia | 2 | $ 250,000 | $ 125,000 | $ 62,000 |
| Wyoming County West Virginia | 2 | $ 175,000 | $ 87,000 | $ 31,000 |
| Pinal County Arizona | 1 | $ 92,000 | $ 92,000 | $ 0 |
| Middlesex County Connecticut | 1 | $ 230,000 | $ 230,000 | $ 97,000 |
| New Haven County Connecticut | 1 | $ 204,000 | $ 204,000 | $ 97,000 |
| Broward County Florida | 1 | $ 265,000 | $ 265,000 | $ 3,119,000 |
| Lee County Florida | 1 | $ 600,000 | $ 600,000 | $ 395,000 |
| Manatee County Florida | 1 | $ 160,000 | $ 160,000 | $ 777,000 |
| Monroe County Florida | 1 | $ 327,000 | $ 327,000 | $ 105,000 |
| Pasco County Florida | 1 | $ 32,000 | $ 32,000 | $ 34,000 |
| Sarasota County Florida | 1 | $ 176,000 | $ 176,000 | $ 170,000 |
| St. Johns County Florida | 1 | $ 75,000 | $ 75,000 | $ 99,000 |
| St. Lucie County Florida | 1 | $ 324,000 | $ 324,000 | $ 1,341,000 |
| Volusia County Florida | 1 | $ 508,000 | $ 508,000 | $ 112,000 |
| Walton County Florida | 1 | $ 670,000 | $ 670,000 | $ 328,000 |
| Chatham County Georgia | 1 | $ 170,000 | $ 170,000 | $ 372,000 |
| Bourbon County Kentucky | 1 | $ 255,000 | $ 255,000 | $ 70,000 |
| Greenup County Kentucky | 1 | $ 182,000 | $ 182,000 | $ 141,000 |
| Baltimore City County Maryland | 1 | $ 16,000 | $ 16,000 | $ 82,000 |
| Carroll County Maryland | 1 | $ 120,000 | $ 120,000 | $ 77,000 |
| Charles County Maryland | 1 | $ 266,000 | $ 266,000 | $ 74,000 |
| Harford County Maryland | 1 | $ 665,000 | $ 665,000 | $ 220,000 |
| Howard County Maryland | 1 | $ 13,000 | $ 13,000 | $ 119,000 |
| Plymouth County Massachusetts | 1 | $ 7,000 | $ 7,000 | $ 52,000 |
| Camden County New Jersey | 1 | $ 138,000 | $ 138,000 | $ 150,000 |
| Hudson County New Jersey | 1 | $ 475,000 | $ 475,000 | $ 149,000 |
| Somerset County New Jersey | 1 | $ 10,000 | $ 10,000 | $ 20,000 |
| Fulton County New York | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Onondaga County New York | 1 | $ 900,000 | $ 900,000 | $ 243,000 |
| Suffolk County New York | 1 | $ 25,000 | $ 25,000 | $ 43,000 |
| Brunswick County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 34,000 |
| Cabarrus County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 38,000 |
| Caldwell County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 15,000 |
| Catawba County North Carolina | 1 | $ 350,000 | $ 350,000 | $ 0 |
| Columbus County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 26,000 |
| Dare County North Carolina | 1 | $ 900,000 | $ 900,000 | $ 0 |
| Edgecombe County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 54,000 |
| Forsyth County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 55,000 |
| Gaston County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 49,000 |
| Iredell County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 14,000 |
| Madison County North Carolina | 1 | $ 112,000 | $ 112,000 | $ 237,000 |
| Martin County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 43,000 |
| New Hanover County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 105,000 |
| Orange County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 25,000 |
| Pasquotank County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 53,000 |
| Person County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 16,000 |
| Polk County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 10,000 |
| Robeson County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 36,000 |
| Sampson County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 24,000 |
| Scotland County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 52,000 |
| Transylvania County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 87,000 |
| Wake County North Carolina | 1 | $ 232,000 | $ 232,000 | $ 84,000 |
| Wilkes County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Wilson County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 26,000 |
| Yadkin County North Carolina | 1 | $ 4,000 | $ 4,000 | $ 24,000 |
| Athens County Ohio | 1 | $ 200,000 | $ 200,000 | $ 82,000 |
| Auglaize County Ohio | 1 | $ 15,000 | $ 15,000 | $ 41,000 |
| Champaign County Ohio | 1 | $ 15,000 | $ 15,000 | $ 28,000 |
| Delaware County Ohio | 1 | $ 1,600,000 | $ 1,600,000 | $ 327,000 |
| Fairfield County Ohio | 1 | $ 17,000 | $ 17,000 | $ 66,000 |
| Monroe County Ohio | 1 | $ 12,000 | $ 12,000 | $ 53,000 |
| Richland County Ohio | 1 | $ 16,000 | $ 16,000 | $ 21,000 |
| Union County Ohio | 1 | $ 155,000 | $ 155,000 | $ 77,000 |
| Carbon County Pennsylvania | 1 | $ 14,000 | $ 14,000 | $ 33,000 |
| Centre County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 34,000 |
| Clearfield County Pennsylvania | 1 | $ 9,000 | $ 9,000 | $ 73,000 |
| Lawrence County Pennsylvania | 1 | $ 149,000 | $ 149,000 | $ 182,000 |
| Lycoming County Pennsylvania | 1 | $ 345,000 | $ 345,000 | $ 117,000 |
| Perry County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 140,000 |
| Philadelphia County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 14,000 |
| Schuylkill County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 77,000 |
| Venango County Pennsylvania | 1 | $ 14,000 | $ 14,000 | $ 56,000 |
| Berkeley County South Carolina | 1 | $ 188,000 | $ 188,000 | $ 122,000 |
| Alexandria County Virginia | 1 | $ 470,000 | $ 470,000 | $ 102,000 |
| Arlington County Virginia | 1 | $ 500,000 | $ 500,000 | $ 125,000 |
| Bedford County Virginia | 1 | $ 201,000 | $ 201,000 | $ 0 |
| Chesterfield County Virginia | 1 | $ 35,000 | $ 35,000 | $ 126,000 |
| Frederick County Virginia | 1 | $ 230,000 | $ 230,000 | $ 97,000 |
| Prince William County Virginia | 1 | $ 565,000 | $ 565,000 | $ 79,000 |
| Rockingham County Virginia | 1 | $ 280,000 | $ 280,000 | $ 81,000 |
| Shenandoah County Virginia | 1 | $ 785,000 | $ 785,000 | $ 282,000 |
| Tazewell County Virginia | 1 | $ 192,000 | $ 192,000 | $ 67,000 |
| Virginia Beach County Virginia | 1 | $ 109,000 | $ 109,000 | $ 155,000 |
| Warren County Virginia | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Doddridge County West Virginia | 1 | $ 10,000 | $ 10,000 | $ 66,000 |
| Hardy County West Virginia | 1 | $ 200,000 | $ 200,000 | $ 191,000 |
| Lincoln County West Virginia | 1 | $ 136,000 | $ 136,000 | $ 276,000 |
| Mineral County West Virginia | 1 | $ 6,000 | $ 6,000 | $ 72,000 |
| Tyler County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Teton County Wyoming | 1 | $ 185,000 | $ 185,000 | $ 124,000 |
Mortgage Loan Application Detail Totals for United Bank Inc in 2013
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 Purchase | 1,066 | $261,604,000 | $245,000 | $44,200,000 | $102,000 | $2,500,000 |
| Home Improvement | 943 | $30,952,000 | $32,000 | $1,040,000 | $72,000 | $5,592,000 |
| Refinancing | 863 | $188,267,000 | $218,000 | $8,600,000 | $120,000 | $3,119,000 |
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 | 2,519 | $326,502,000 | $129,000 | $1,926,000 | $104,000 | $5,592,000 |
| Not applicable | 169 | $131,003,000 | $775,000 | $44,200,000 | $0 | $0 |
| Black or African American | 62 | $5,626,000 | $90,000 | $731,000 | $93,000 | $540,000 |
| Not Provided | 60 | $7,844,000 | $130,000 | $880,000 | $78,000 | $408,000 |
| Hispanic | 29 | $2,642,000 | $91,000 | $244,000 | $76,000 | $181,000 |
| Asian | 22 | $6,376,000 | $289,000 | $900,000 | $186,000 | $630,000 |
| American Indian or Alaskan Native | 8 | $317,000 | $39,000 | $165,000 | $63,000 | $78,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $513,000 | $171,000 | $417,000 | $120,000 | $166,000 |
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) | 2,356 | $456,795,000 | $193,000 | $44,200,000 | $106,000 | $5,592,000 |
| FHA-insured (Federal Housing Administration) | 433 | $11,896,000 | $27,000 | $244,000 | $60,000 | $291,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $6,988,000 | $129,000 | $283,000 | $48,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 29 | $5,144,000 | $177,000 | $513,000 | $81,000 | $258,000 |
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 | 2,067 | $411,809,000 | $199,000 | $44,200,000 | $107,000 | $5,592,000 |
| Application Denied By Financial Institution | 499 | $33,956,000 | $68,000 | $700,000 | $61,000 | $713,000 |
| Application Approved But Not Accepted | 204 | $24,687,000 | $121,000 | $1,750,000 | $96,000 | $2,500,000 |
| Application Withdrawn By Applicant | 98 | $9,838,000 | $100,000 | $580,000 | $87,000 | $775,000 |
| File Closed For Incompleteness | 4 | $533,000 | $133,000 | $192,000 | $198,000 | $556,000 |
| 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 | 258 | $12,803,000 | $49,000 | $417,000 | $59,000 | $414,000 |
| Debt-To-Income Ratio | 124 | $5,929,000 | $47,000 | $520,000 | $38,000 | $247,000 |
| Collateral | 80 | $12,002,000 | $150,000 | $417,000 | $107,000 | $713,000 |
| Other | 22 | $1,141,000 | $51,000 | $179,000 | $57,000 | $140,000 |
| Employment History | 11 | $730,000 | $66,000 | $161,000 | $47,000 | $99,000 |
| Unverifiable Information | 3 | $1,205,000 | $401,000 | $700,000 | $131,000 | $190,000 |
| Credit Application Incomplete | 1 | $146,000 | $146,000 | $146,000 | $93,000 | $93,000 |
| 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 2013 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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