United Bank Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
United Bank Inc 2014 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 | 2,539 |
| Total Mortgage Loan Application Amount | $396,114,000 |
| Average Mortgage Loan Application Amount | $154,000 |
| Highest Mortgage Loan Application Amount | $45,000,000 |
| Average Applicant Income | $89,333 |
| Highest Applicant Income | $6,943,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 315 | $ 71,179,000 | $ 225,000 | $ 85,000 |
| Kanawha County West Virginia | 188 | $ 30,957,000 | $ 164,000 | $ 166,000 |
| Wood County West Virginia | 167 | $ 21,554,000 | $ 129,000 | $ 73,000 |
| Fayette County Pennsylvania | 158 | $ 12,431,000 | $ 78,000 | $ 62,000 |
| Raleigh County West Virginia | 136 | $ 17,871,000 | $ 131,000 | $ 87,000 |
| Cabell County West Virginia | 92 | $ 15,756,000 | $ 171,000 | $ 140,000 |
| Berkeley County West Virginia | 90 | $ 13,092,000 | $ 145,000 | $ 84,000 |
| Jackson County West Virginia | 82 | $ 6,663,000 | $ 81,000 | $ 77,000 |
| Fayette County West Virginia | 73 | $ 4,612,000 | $ 63,000 | $ 62,000 |
| Webster County West Virginia | 63 | $ 1,424,000 | $ 22,000 | $ 54,000 |
| Jefferson County West Virginia | 61 | $ 12,306,000 | $ 201,000 | $ 76,000 |
| Ohio County West Virginia | 54 | $ 3,663,000 | $ 67,000 | $ 62,000 |
| Washington County Maryland | 47 | $ 8,415,000 | $ 179,000 | $ 84,000 |
| Stark County Ohio | 43 | $ 570,000 | $ 13,000 | $ 51,000 |
| Allegheny County Pennsylvania | 40 | $ 2,049,000 | $ 51,000 | $ 75,000 |
| Putnam County West Virginia | 40 | $ 8,486,000 | $ 212,000 | $ 140,000 |
| Lewis County West Virginia | 37 | $ 1,926,000 | $ 52,000 | $ 60,000 |
| Nicholas County West Virginia | 34 | $ 2,646,000 | $ 77,000 | $ 62,000 |
| Logan County West Virginia | 27 | $ 1,986,000 | $ 73,000 | $ 68,000 |
| Belmont County Ohio | 26 | $ 772,000 | $ 29,000 | $ 45,000 |
| Harrison County West Virginia | 25 | $ 3,026,000 | $ 121,000 | $ 72,000 |
| Marshall County West Virginia | 25 | $ 1,080,000 | $ 43,000 | $ 54,000 |
| Westmoreland County Pennsylvania | 23 | $ 1,720,000 | $ 74,000 | $ 80,000 |
| Washington County Ohio | 20 | $ 2,590,000 | $ 129,000 | $ 112,000 |
| Gilmer County West Virginia | 19 | $ 1,051,000 | $ 55,000 | $ 52,000 |
| Marion County West Virginia | 19 | $ 4,425,000 | $ 232,000 | $ 44,000 |
| Tuscarawas County Ohio | 18 | $ 192,000 | $ 10,000 | $ 61,000 |
| Braxton County West Virginia | 18 | $ 2,270,000 | $ 126,000 | $ 80,000 |
| Wayne County West Virginia | 18 | $ 734,000 | $ 40,000 | $ 103,000 |
| Hancock County West Virginia | 16 | $ 866,000 | $ 54,000 | $ 59,000 |
| York County Pennsylvania | 15 | $ 208,000 | $ 13,000 | $ 72,000 |
| Cuyahoga County Ohio | 14 | $ 140,000 | $ 10,000 | $ 41,000 |
| Lawrence County Ohio | 13 | $ 1,207,000 | $ 92,000 | $ 83,000 |
| Summit County Ohio | 12 | $ 264,000 | $ 22,000 | $ 43,000 |
| Preston County West Virginia | 12 | $ 1,094,000 | $ 91,000 | $ 40,000 |
| Lehigh County Pennsylvania | 11 | $ 174,000 | $ 15,000 | $ 90,000 |
| Washington County Pennsylvania | 11 | $ 1,723,000 | $ 156,000 | $ 198,000 |
| Jefferson County Ohio | 9 | $ 428,000 | $ 47,000 | $ 41,000 |
| Mercer County West Virginia | 9 | $ 880,000 | $ 97,000 | $ 53,000 |
| Harrison County Ohio | 8 | $ 95,000 | $ 11,000 | $ 44,000 |
| Dauphin County Pennsylvania | 8 | $ 112,000 | $ 14,000 | $ 62,000 |
| Franklin County Pennsylvania | 8 | $ 3,184,000 | $ 398,000 | $ 52,000 |
| Lancaster County Pennsylvania | 8 | $ 114,000 | $ 14,000 | $ 90,000 |
| Roane County West Virginia | 8 | $ 839,000 | $ 104,000 | $ 75,000 |
| Upshur County West Virginia | 8 | $ 791,000 | $ 98,000 | $ 157,000 |
| Boone County West Virginia | 7 | $ 307,000 | $ 43,000 | $ 60,000 |
| Calhoun County West Virginia | 7 | $ 262,000 | $ 37,000 | $ 31,000 |
| Mahoning County Ohio | 6 | $ 269,000 | $ 44,000 | $ 55,000 |
| Greene County Pennsylvania | 6 | $ 416,000 | $ 69,000 | $ 69,000 |
| Randolph County West Virginia | 6 | $ 904,000 | $ 150,000 | $ 132,000 |
| District of Columbia County District Of Columbia | 5 | $ 2,104,000 | $ 420,000 | $ 225,000 |
| Harford County Maryland | 5 | $ 46,941,000 | $ 9,388,000 | $ 96,000 |
| Berks County Pennsylvania | 5 | $ 86,000 | $ 17,000 | $ 101,000 |
| McKean County Pennsylvania | 5 | $ 40,000 | $ 8,000 | $ 45,000 |
| Brooke County West Virginia | 5 | $ 101,000 | $ 20,000 | $ 36,000 |
| Greenbrier County West Virginia | 5 | $ 2,718,000 | $ 543,000 | $ 95,000 |
| Montgomery County Maryland | 4 | $ 2,992,000 | $ 748,000 | $ 240,000 |
| Meigs County Ohio | 4 | $ 578,000 | $ 144,000 | $ 48,000 |
| Trumbull County Ohio | 4 | $ 47,000 | $ 11,000 | $ 29,000 |
| Adams County Pennsylvania | 4 | $ 59,000 | $ 14,000 | $ 47,000 |
| Cumberland County Pennsylvania | 4 | $ 63,000 | $ 15,000 | $ 117,000 |
| Monroe County Pennsylvania | 4 | $ 59,000 | $ 14,000 | $ 90,000 |
| Frederick County Maryland | 3 | $ 618,000 | $ 206,000 | $ 89,000 |
| Portage County Ohio | 3 | $ 15,000 | $ 5,000 | $ 46,000 |
| Beaver County Pennsylvania | 3 | $ 20,000 | $ 6,000 | $ 43,000 |
| Cambria County Pennsylvania | 3 | $ 128,000 | $ 42,000 | $ 62,000 |
| Carbon County Pennsylvania | 3 | $ 67,000 | $ 22,000 | $ 68,000 |
| Mercer County Pennsylvania | 3 | $ 49,000 | $ 16,000 | $ 56,000 |
| Beaufort County South Carolina | 3 | $ 635,000 | $ 211,000 | $ 335,000 |
| Barbour County West Virginia | 3 | $ 26,000 | $ 8,000 | $ 18,000 |
| Lincoln County West Virginia | 3 | $ 487,000 | $ 162,000 | $ 145,000 |
| Mason County West Virginia | 3 | $ 263,000 | $ 87,000 | $ 54,000 |
| Monroe County West Virginia | 3 | $ 319,000 | $ 106,000 | $ 144,000 |
| Ritchie County West Virginia | 3 | $ 35,000 | $ 11,000 | $ 47,000 |
| Summers County West Virginia | 3 | $ 206,000 | $ 68,000 | $ 85,000 |
| Shelby County Alabama | 2 | $ 27,000 | $ 13,000 | $ 35,000 |
| Palm Beach County Florida | 2 | $ 19,000,000 | $ 9,500,000 | $ 1,564,000 |
| Baltimore County Maryland | 2 | $ 497,000 | $ 248,000 | $ 26,000 |
| Prince George's County Maryland | 2 | $ 207,000 | $ 103,000 | $ 78,000 |
| Chowan County North Carolina | 2 | $ 175,000 | $ 87,000 | $ 0 |
| Gaston County North Carolina | 2 | $ 12,000 | $ 6,000 | $ 49,000 |
| Wayne County North Carolina | 2 | $ 14,000 | $ 7,000 | $ 21,000 |
| Franklin County Ohio | 2 | $ 217,000 | $ 108,000 | $ 28,000 |
| Monroe County Ohio | 2 | $ 158,000 | $ 79,000 | $ 86,000 |
| Richland County Ohio | 2 | $ 155,000 | $ 77,000 | $ 42,000 |
| Luzerne County Pennsylvania | 2 | $ 45,000 | $ 22,000 | $ 69,000 |
| Horry County South Carolina | 2 | $ 494,000 | $ 247,000 | $ 72,000 |
| Fairfax County Virginia | 2 | $ 645,000 | $ 322,000 | $ 205,000 |
| Frederick County Virginia | 2 | $ 378,000 | $ 189,000 | $ 50,000 |
| Loudoun County Virginia | 2 | $ 684,000 | $ 342,000 | $ 785,000 |
| Taylor County West Virginia | 2 | $ 157,000 | $ 78,000 | $ 109,000 |
| Tucker County West Virginia | 2 | $ 68,000 | $ 34,000 | $ 187,000 |
| Collier County Florida | 1 | $ 455,000 | $ 455,000 | $ 740,000 |
| Duval County Florida | 1 | $ 104,000 | $ 104,000 | $ 144,000 |
| Levy County Florida | 1 | $ 118,000 | $ 118,000 | $ 27,000 |
| Sarasota County Florida | 1 | $ 450,000 | $ 450,000 | $ 284,000 |
| Greene County Georgia | 1 | $ 1,400,000 | $ 1,400,000 | $ 1,818,000 |
| Cook County Illinois | 1 | $ 184,000 | $ 184,000 | $ 128,000 |
| Parke County Indiana | 1 | $ 25,000 | $ 25,000 | $ 107,000 |
| Boyd County Kentucky | 1 | $ 750,000 | $ 750,000 | $ 0 |
| Fayette County Kentucky | 1 | $ 7,566,000 | $ 7,566,000 | $ 0 |
| Greenup County Kentucky | 1 | $ 52,000 | $ 52,000 | $ 9,000 |
| Allegany County Maryland | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Anne Arundel County Maryland | 1 | $ 25,000 | $ 25,000 | $ 172,000 |
| Dorchester County Maryland | 1 | $ 735,000 | $ 735,000 | $ 328,000 |
| Garrett County Maryland | 1 | $ 80,000 | $ 80,000 | $ 62,000 |
| Worcester County Maryland | 1 | $ 430,000 | $ 430,000 | $ 230,000 |
| Macomb County Michigan | 1 | $ 96,000 | $ 96,000 | $ 39,000 |
| Burlington County New Jersey | 1 | $ 15,000 | $ 15,000 | $ 146,000 |
| Mercer County New Jersey | 1 | $ 460,000 | $ 460,000 | $ 290,000 |
| Middlesex County New Jersey | 1 | $ 20,000 | $ 20,000 | $ 90,000 |
| Monmouth County New Jersey | 1 | $ 21,000 | $ 21,000 | $ 95,000 |
| Union County New Jersey | 1 | $ 25,000 | $ 25,000 | $ 56,000 |
| Dutchess County New York | 1 | $ 25,000 | $ 25,000 | $ 105,000 |
| Greene County New York | 1 | $ 25,000 | $ 25,000 | $ 143,000 |
| Livingston County New York | 1 | $ 85,000 | $ 85,000 | $ 105,000 |
| Suffolk County New York | 1 | $ 1,403,000 | $ 1,403,000 | $ 459,000 |
| Westchester County New York | 1 | $ 20,000 | $ 20,000 | $ 48,000 |
| Brunswick County North Carolina | 1 | $ 152,000 | $ 152,000 | $ 96,000 |
| Caldwell County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 54,000 |
| Dare County North Carolina | 1 | $ 471,000 | $ 471,000 | $ 0 |
| Davidson County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 29,000 |
| Gates County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 44,000 |
| Halifax County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 34,000 |
| Hyde County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 54,000 |
| Pender County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 37,000 |
| Tyrrell County North Carolina | 1 | $ 5,000 | $ 5,000 | $ 45,000 |
| Union County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 22,000 |
| Wake County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 38,000 |
| Warren County North Carolina | 1 | $ 6,000 | $ 6,000 | $ 25,000 |
| Yancey County North Carolina | 1 | $ 3,000 | $ 3,000 | $ 44,000 |
| Athens County Ohio | 1 | $ 182,000 | $ 182,000 | $ 95,000 |
| Carroll County Ohio | 1 | $ 7,000 | $ 7,000 | $ 31,000 |
| Clermont County Ohio | 1 | $ 15,000 | $ 15,000 | $ 20,000 |
| Hardin County Ohio | 1 | $ 14,000 | $ 14,000 | $ 66,000 |
| Knox County Ohio | 1 | $ 14,000 | $ 14,000 | $ 36,000 |
| Lorain County Ohio | 1 | $ 12,000 | $ 12,000 | $ 61,000 |
| Chester County Pennsylvania | 1 | $ 187,000 | $ 187,000 | $ 275,000 |
| Crawford County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 40,000 |
| Indiana County Pennsylvania | 1 | $ 124,000 | $ 124,000 | $ 0 |
| Jefferson County Pennsylvania | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Lackawanna County Pennsylvania | 1 | $ 22,000 | $ 22,000 | $ 95,000 |
| Lebanon County Pennsylvania | 1 | $ 14,000 | $ 14,000 | $ 109,000 |
| Perry County Pennsylvania | 1 | $ 13,000 | $ 13,000 | $ 105,000 |
| Philadelphia County Pennsylvania | 1 | $ 420,000 | $ 420,000 | $ 148,000 |
| Venango County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 30,000 |
| Kershaw County South Carolina | 1 | $ 21,000 | $ 21,000 | $ 64,000 |
| Arlington County Virginia | 1 | $ 930,000 | $ 930,000 | $ 243,000 |
| Franklin County Virginia | 1 | $ 84,000 | $ 84,000 | $ 185,000 |
| Lexington County Virginia | 1 | $ 179,000 | $ 179,000 | $ 657,000 |
| Orange County Virginia | 1 | $ 330,000 | $ 330,000 | $ 182,000 |
| Pulaski County Virginia | 1 | $ 338,000 | $ 338,000 | $ 138,000 |
| Mingo County West Virginia | 1 | $ 4,000 | $ 4,000 | $ 31,000 |
| Pendleton County West Virginia | 1 | $ 180,000 | $ 180,000 | $ 90,000 |
| Pleasants County West Virginia | 1 | $ 73,000 | $ 73,000 | $ 50,000 |
| Tyler County West Virginia | 1 | $ 102,000 | $ 102,000 | $ 65,000 |
| Wyoming County West Virginia | 1 | $ 124,000 | $ 124,000 | $ 61,000 |
| Teton County Wyoming | 1 | $ 462,000 | $ 462,000 | $ 141,000 |
Mortgage Loan Application Detail Totals for United Bank Inc in 2014
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 | 1,203 | $285,070,000 | $236,000 | $45,000,000 | $102,000 | $6,943,000 |
| Home Improvement | 924 | $31,224,000 | $33,000 | $2,600,000 | $61,000 | $1,088,000 |
| Refinancing | 412 | $79,820,000 | $193,000 | $3,300,000 | $105,000 | $1,307,000 |
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 | 2,013 | $243,326,000 | $120,000 | $11,000,000 | $97,000 | $6,943,000 |
| Not applicable | 193 | $113,711,000 | $589,000 | $45,000,000 | $0 | $0 |
| Not Provided | 190 | $25,043,000 | $131,000 | $8,000,000 | $68,000 | $1,384,000 |
| Black or African American | 87 | $3,473,000 | $39,000 | $564,000 | $62,000 | $380,000 |
| Hispanic | 28 | $4,089,000 | $146,000 | $982,000 | $96,000 | $362,000 |
| Asian | 19 | $5,839,000 | $307,000 | $923,000 | $210,000 | $500,000 |
| American Indian or Alaskan Native | 6 | $162,000 | $27,000 | $113,000 | $89,000 | $208,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $471,000 | $157,000 | $249,000 | $61,000 | $94,000 |
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) | 2,113 | $378,406,000 | $179,000 | $45,000,000 | $94,000 | $6,943,000 |
| FHA-insured (Federal Housing Administration) | 349 | $7,045,000 | $20,000 | $265,000 | $56,000 | $287,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 44 | $5,249,000 | $119,000 | $250,000 | $49,000 | $85,000 |
| VA-guaranteed (Veterans Administration) | 33 | $5,414,000 | $164,000 | $305,000 | $65,000 | $211,000 |
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 | 1,499 | $314,837,000 | $210,000 | $45,000,000 | $105,000 | $6,943,000 |
| Application Denied By Financial Institution | 560 | $32,346,000 | $57,000 | $750,000 | $59,000 | $962,000 |
| Preapproval Denied by Financial Institution | 111 | $13,074,000 | $117,000 | $750,000 | $56,000 | $309,000 |
| Application Approved But Not Accepted | 104 | $9,987,000 | $96,000 | $445,000 | $77,000 | $494,000 |
| Loan Purchased By The Institution | 99 | $2,736,000 | $27,000 | $216,000 | $31,000 | $49,000 |
| Application Withdrawn By Applicant | 91 | $10,779,000 | $118,000 | $774,000 | $85,000 | $362,000 |
| Preapproval Approved but not Accepted | 75 | $12,355,000 | $164,000 | $680,000 | $84,000 | $484,000 |
| File Closed For Incompleteness | 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 | 327 | $17,540,000 | $53,000 | $750,000 | $56,000 | $309,000 |
| Debt-To-Income Ratio | 223 | $11,924,000 | $53,000 | $600,000 | $44,000 | $962,000 |
| Collateral | 62 | $9,098,000 | $146,000 | $663,000 | $97,000 | $524,000 |
| Other | 35 | $4,951,000 | $141,000 | $750,000 | $115,000 | $900,000 |
| Employment History | 16 | $1,013,000 | $63,000 | $166,000 | $41,000 | $90,000 |
| Credit Application Incomplete | 4 | $663,000 | $165,000 | $450,000 | $87,000 | $153,000 |
| Unverifiable Information | 3 | $96,000 | $32,000 | $70,000 | $38,000 | $49,000 |
| 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 2014 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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