United Bank Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015

United Bank Inc 2015 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 2,817
Total Mortgage Loan Application Amount $447,209,000
Average Mortgage Loan Application Amount $178,666
Highest Mortgage Loan Application Amount $24,024,000
Average Applicant Income $96,333
Highest Applicant Income $9,999,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.

Mortgage Loan Application Totals for United Bank Inc by County in 2015

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 334 $ 85,911,000 $ 257,000 $ 91,000
Fayette County Pennsylvania 177 $ 12,118,000 $ 68,000 $ 70,000
Kanawha County West Virginia 175 $ 33,118,000 $ 189,000 $ 120,000
Wood County West Virginia 141 $ 19,877,000 $ 140,000 $ 107,000
Berkeley County West Virginia 118 $ 18,567,000 $ 157,000 $ 86,000
Jackson County West Virginia 94 $ 6,632,000 $ 70,000 $ 67,000
Raleigh County West Virginia 87 $ 17,845,000 $ 205,000 $ 107,000
Cabell County West Virginia 79 $ 21,082,000 $ 266,000 $ 145,000
Fayette County West Virginia 75 $ 4,439,000 $ 59,000 $ 54,000
Ohio County West Virginia 64 $ 10,493,000 $ 163,000 $ 68,000
Jefferson County West Virginia 59 $ 12,196,000 $ 206,000 $ 81,000
Washington County Maryland 57 $ 11,028,000 $ 193,000 $ 84,000
Lewis County West Virginia 56 $ 2,078,000 $ 37,000 $ 59,000
Nicholas County West Virginia 46 $ 5,118,000 $ 111,000 $ 65,000
Wayne County West Virginia 39 $ 2,276,000 $ 58,000 $ 54,000
Allegheny County Pennsylvania 37 $ 1,469,000 $ 39,000 $ 61,000
Marshall County West Virginia 37 $ 2,478,000 $ 66,000 $ 55,000
Webster County West Virginia 36 $ 997,000 $ 27,000 $ 44,000
Belmont County Ohio 34 $ 2,215,000 $ 65,000 $ 72,000
Putnam County West Virginia 34 $ 5,988,000 $ 176,000 $ 91,000
Marion County West Virginia 23 $ 7,607,000 $ 330,000 $ 21,000
Summit County Ohio 22 $ 253,000 $ 11,000 $ 52,000
Harrison County West Virginia 22 $ 2,943,000 $ 133,000 $ 47,000
Logan County West Virginia 22 $ 2,090,000 $ 95,000 $ 92,000
Washington County Ohio 21 $ 3,913,000 $ 186,000 $ 101,000
Washington County Pennsylvania 21 $ 1,624,000 $ 77,000 $ 43,000
Lorain County Ohio 19 $ 191,000 $ 10,000 $ 52,000
Gilmer County West Virginia 19 $ 1,675,000 $ 88,000 $ 125,000
Venango County Pennsylvania 16 $ 232,000 $ 14,000 $ 52,000
Boone County West Virginia 16 $ 1,696,000 $ 106,000 $ 90,000
Preston County West Virginia 16 $ 1,491,000 $ 93,000 $ 40,000
Greenbrier County West Virginia 15 $ 4,066,000 $ 271,000 $ 105,000
Greene County Pennsylvania 13 $ 1,837,000 $ 141,000 $ 237,000
Jefferson County Ohio 12 $ 883,000 $ 73,000 $ 70,000
Cuyahoga County Ohio 11 $ 144,000 $ 13,000 $ 35,000
Westmoreland County Pennsylvania 11 $ 412,000 $ 37,000 $ 46,000
Lawrence County Ohio 10 $ 1,025,000 $ 102,000 $ 80,000
Stark County Ohio 10 $ 111,000 $ 11,000 $ 36,000
Braxton County West Virginia 10 $ 833,000 $ 83,000 $ 50,000
Medina County Ohio 9 $ 111,000 $ 12,000 $ 77,000
Franklin County Pennsylvania 8 $ 1,842,000 $ 230,000 $ 523,000
Brooke County West Virginia 8 $ 535,000 $ 66,000 $ 38,000
Hancock County West Virginia 8 $ 160,000 $ 20,000 $ 33,000
Mason County West Virginia 8 $ 887,000 $ 110,000 $ 68,000
Lancaster County Pennsylvania 7 $ 70,000 $ 10,000 $ 77,000
Frederick County Virginia 7 $ 2,011,000 $ 287,000 $ 113,000
Loudoun County Virginia 7 $ 2,758,000 $ 394,000 $ 235,000
Roane County West Virginia 7 $ 556,000 $ 79,000 $ 38,000
Garrett County Maryland 6 $ 1,691,000 $ 281,000 $ 212,000
Franklin County Ohio 6 $ 1,041,000 $ 173,000 $ 144,000
Calhoun County West Virginia 6 $ 300,000 $ 50,000 $ 37,000
Morgan County West Virginia 6 $ 702,000 $ 117,000 $ 44,000
Fayette County Kentucky 5 $ 5,878,000 $ 1,175,000 $ 175,000
Baltimore County Maryland 5 $ 2,350,000 $ 470,000 $ 311,000
Frederick County Maryland 5 $ 924,000 $ 184,000 $ 57,000
Harrison County Ohio 5 $ 68,000 $ 13,000 $ 34,000
York County Pennsylvania 5 $ 65,000 $ 13,000 $ 89,000
Fairfax County Virginia 5 $ 2,377,000 $ 475,000 $ 37,000
Ritchie County West Virginia 5 $ 391,000 $ 78,000 $ 42,000
Collier County Florida 4 $ 1,467,000 $ 366,000 $ 239,000
Boyd County Kentucky 4 $ 294,000 $ 73,000 $ 29,000
Harford County Maryland 4 $ 1,559,000 $ 389,000 $ 0
Dauphin County Pennsylvania 4 $ 33,000 $ 8,000 $ 63,000
Monroe County Pennsylvania 4 $ 66,000 $ 16,000 $ 129,000
Barbour County West Virginia 4 $ 22,000 $ 5,000 $ 46,000
Prince George's County Maryland 3 $ 296,000 $ 98,000 $ 114,000
Mahoning County Ohio 3 $ 60,000 $ 20,000 $ 38,000
Lehigh County Pennsylvania 3 $ 48,000 $ 16,000 $ 74,000
Somerset County Pennsylvania 3 $ 439,000 $ 146,000 $ 60,000
Clay County West Virginia 3 $ 88,000 $ 29,000 $ 37,000
Mercer County West Virginia 3 $ 398,000 $ 132,000 $ 84,000
Pocahontas County West Virginia 3 $ 713,000 $ 237,000 $ 197,000
Randolph County West Virginia 3 $ 162,000 $ 54,000 $ 8,000
Summers County West Virginia 3 $ 213,000 $ 71,000 $ 84,000
Upshur County West Virginia 3 $ 104,000 $ 34,000 $ 23,000
Wirt County West Virginia 3 $ 311,000 $ 103,000 $ 55,000
Pima County Arizona 2 $ 746,000 $ 373,000 $ 266,000
Lee County Florida 2 $ 415,000 $ 207,000 $ 696,000
Palm Beach County Florida 2 $ 24,049,000 $ 12,024,000 $ 5,126,000
Jefferson County Kentucky 2 $ 676,000 $ 338,000 $ 128,000
Carroll County Maryland 2 $ 369,000 $ 184,000 $ 154,000
Iredell County North Carolina 2 $ 1,409,000 $ 704,000 $ 21,000
Columbiana County Ohio 2 $ 42,000 $ 21,000 $ 53,000
Monroe County Ohio 2 $ 65,000 $ 32,000 $ 78,000
Richland County Ohio 2 $ 244,000 $ 122,000 $ 59,000
Northampton County Pennsylvania 2 $ 34,000 $ 17,000 $ 72,000
Beaufort County South Carolina 2 $ 331,000 $ 165,000 $ 0
Prince William County Virginia 2 $ 125,000 $ 62,000 $ 57,000
Rockingham County Virginia 2 $ 925,000 $ 462,000 $ 17,000
Lincoln County West Virginia 2 $ 167,000 $ 83,000 $ 56,000
Pleasants County West Virginia 2 $ 190,000 $ 95,000 $ 106,000
Wetzel County West Virginia 2 $ 305,000 $ 152,000 $ 81,000
Wyoming County West Virginia 2 $ 122,000 $ 61,000 $ 19,000
Eagle County Colorado 1 $ 3,960,000 $ 3,960,000 $ 0
District of Columbia County District Of Columbia 1 $ 168,000 $ 168,000 $ 75,000
Broward County Florida 1 $ 191,000 $ 191,000 $ 144,000
Charlotte County Florida 1 $ 85,000 $ 85,000 $ 162,000
Nassau County Florida 1 $ 125,000 $ 125,000 $ 51,000
Okaloosa County Florida 1 $ 94,000 $ 94,000 $ 58,000
Orange County Florida 1 $ 292,000 $ 292,000 $ 56,000
Osceola County Florida 1 $ 176,000 $ 176,000 $ 156,000
Polk County Florida 1 $ 112,000 $ 112,000 $ 256,000
St. Johns County Florida 1 $ 247,000 $ 247,000 $ 140,000
Volusia County Florida 1 $ 417,000 $ 417,000 $ 120,000
Cobb County Georgia 1 $ 150,000 $ 150,000 $ 290,000
Barren County Kentucky 1 $ 75,000 $ 75,000 $ 155,000
Grant County Kentucky 1 $ 9,000 $ 9,000 $ 90,000
Jessamine County Kentucky 1 $ 580,000 $ 580,000 $ 0
Warren County Kentucky 1 $ 635,000 $ 635,000 $ 315,000
Howard County Maryland 1 $ 900,000 $ 900,000 $ 0
Montgomery County Maryland 1 $ 700,000 $ 700,000 $ 0
Bergen County New Jersey 1 $ 25,000 $ 25,000 $ 120,000
Monmouth County New Jersey 1 $ 25,000 $ 25,000 $ 39,000
Morris County New Jersey 1 $ 7,000 $ 7,000 $ 85,000
Erie County New York 1 $ 5,000 $ 5,000 $ 13,000
Kings County New York 1 $ 7,000 $ 7,000 $ 38,000
Nassau County New York 1 $ 25,000 $ 25,000 $ 144,000
Otsego County New York 1 $ 21,000 $ 21,000 $ 198,000
Queens County New York 1 $ 25,000 $ 25,000 $ 215,000
Wyoming County New York 1 $ 11,000 $ 11,000 $ 29,000
Brunswick County North Carolina 1 $ 7,000 $ 7,000 $ 44,000
Buncombe County North Carolina 1 $ 8,000 $ 8,000 $ 27,000
Caswell County North Carolina 1 $ 5,000 $ 5,000 $ 15,000
Catawba County North Carolina 1 $ 450,000 $ 450,000 $ 0
Duplin County North Carolina 1 $ 4,000 $ 4,000 $ 70,000
Edgecombe County North Carolina 1 $ 4,000 $ 4,000 $ 32,000
Forsyth County North Carolina 1 $ 880,000 $ 880,000 $ 0
Gaston County North Carolina 1 $ 14,000 $ 14,000 $ 78,000
New Hanover County North Carolina 1 $ 1,050,000 $ 1,050,000 $ 897,000
Northampton County North Carolina 1 $ 5,000 $ 5,000 $ 80,000
Onslow County North Carolina 1 $ 5,000 $ 5,000 $ 105,000
Orange County North Carolina 1 $ 5,000 $ 5,000 $ 39,000
Pitt County North Carolina 1 $ 4,000 $ 4,000 $ 17,000
Randolph County North Carolina 1 $ 11,000 $ 11,000 $ 46,000
Scotland County North Carolina 1 $ 7,000 $ 7,000 $ 30,000
Surry County North Carolina 1 $ 3,000 $ 3,000 $ 106,000
Watauga County North Carolina 1 $ 25,000 $ 25,000 $ 67,000
Ashtabula County Ohio 1 $ 15,000 $ 15,000 $ 22,000
Athens County Ohio 1 $ 280,000 $ 280,000 $ 143,000
Erie County Ohio 1 $ 6,000 $ 6,000 $ 34,000
Fairfield County Ohio 1 $ 220,000 $ 220,000 $ 84,000
Gallia County Ohio 1 $ 96,000 $ 96,000 $ 78,000
Guernsey County Ohio 1 $ 4,000 $ 4,000 $ 72,000
Hamilton County Ohio 1 $ 68,000 $ 68,000 $ 0
Meigs County Ohio 1 $ 103,000 $ 103,000 $ 26,000
Pike County Ohio 1 $ 280,000 $ 280,000 $ 0
Portage County Ohio 1 $ 9,000 $ 9,000 $ 45,000
Trumbull County Ohio 1 $ 5,000 $ 5,000 $ 97,000
Wayne County Ohio 1 $ 4,000 $ 4,000 $ 34,000
Beaver County Pennsylvania 1 $ 17,000 $ 17,000 $ 50,000
Berks County Pennsylvania 1 $ 18,000 $ 18,000 $ 71,000
Clearfield County Pennsylvania 1 $ 2,000 $ 2,000 $ 74,000
Delaware County Pennsylvania 1 $ 7,000 $ 7,000 $ 23,000
Luzerne County Pennsylvania 1 $ 7,000 $ 7,000 $ 14,000
Pike County Pennsylvania 1 $ 25,000 $ 25,000 $ 93,000
Sullivan County Pennsylvania 1 $ 5,000 $ 5,000 $ 32,000
Wayne County Pennsylvania 1 $ 17,000 $ 17,000 $ 25,000
Horry County South Carolina 1 $ 1,000,000 $ 1,000,000 $ 416,000
Alexandria County Virginia 1 $ 764,000 $ 764,000 $ 433,000
Culpeper County Virginia 1 $ 153,000 $ 153,000 $ 0
Franklin County Virginia 1 $ 125,000 $ 125,000 $ 814,000
Henrico County Virginia 1 $ 312,000 $ 312,000 $ 137,000
King George County Virginia 1 $ 6,200,000 $ 6,200,000 $ 0
Madison County Virginia 1 $ 80,000 $ 80,000 $ 54,000
Manassas County Virginia 1 $ 21,000 $ 21,000 $ 96,000
Warren County Virginia 1 $ 25,000 $ 25,000 $ 30,000
Washington County Virginia 1 $ 17,000 $ 17,000 $ 138,000
Hampshire County West Virginia 1 $ 125,000 $ 125,000 $ 148,000
Taylor County West Virginia 1 $ 60,000 $ 60,000 $ 47,000
Tucker County West Virginia 1 $ 100,000 $ 100,000 $ 103,000
Teton County Wyoming 1 $ 534,000 $ 534,000 $ 139,000

Mortgage Loan Application Detail Totals for United Bank Inc in 2015

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 1,519 $275,957,000 $181,000 $8,000,000 $85,000 $3,898,000
Home Improvement 904 $54,868,000 $60,000 $17,000,000 $70,000 $1,013,000
Refinancing 394 $116,384,000 $295,000 $24,024,000 $134,000 $9,999,000

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 2,195 $284,731,000 $129,000 $24,024,000 $98,000 $9,999,000
Not applicable 249 $122,709,000 $492,000 $17,000,000 $0 $0
Not Provided 216 $23,383,000 $108,000 $1,787,000 $71,000 $1,299,000
Black or African American 79 $2,813,000 $35,000 $252,000 $56,000 $415,000
Asian 38 $9,651,000 $253,000 $900,000 $170,000 $1,253,000
Hispanic 28 $2,817,000 $100,000 $677,000 $85,000 $389,000
Native Hawaiian or Other Pacific Islander 7 $884,000 $126,000 $210,000 $52,000 $113,000
American Indian or Alaskan Native 5 $221,000 $44,000 $115,000 $52,000 $92,000

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) 2,386 $422,936,000 $177,000 $24,024,000 $92,000 $9,999,000
FHA-insured (Federal Housing Administration) 330 $9,423,000 $28,000 $270,000 $55,000 $221,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 53 $6,685,000 $126,000 $249,000 $49,000 $90,000
VA-guaranteed (Veterans Administration) 48 $8,165,000 $170,000 $359,000 $75,000 $185,000

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 1,642 $335,911,000 $204,000 $24,024,000 $101,000 $9,999,000
Application Denied By Financial Institution 468 $27,842,000 $59,000 $626,000 $60,000 $541,000
Preapproval Denied by Financial Institution 304 $34,434,000 $113,000 $1,100,000 $57,000 $1,299,000
Preapproval Approved but not Accepted 128 $20,362,000 $159,000 $650,000 $75,000 $405,000
Loan Purchased By The Institution 98 $5,994,000 $61,000 $325,000 $46,000 $204,000
Application Withdrawn By Applicant 94 $12,900,000 $137,000 $764,000 $110,000 $851,000
Application Approved But Not Accepted 83 $9,766,000 $117,000 $1,070,000 $109,000 $1,393,000
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 379 $23,263,000 $61,000 $548,000 $53,000 $381,000
Debt-To-Income Ratio 225 $16,788,000 $74,000 $626,000 $44,000 $421,000
Collateral 67 $10,001,000 $149,000 $626,000 $104,000 $541,000
Other 40 $4,038,000 $100,000 $417,000 $63,000 $225,000
Credit Application Incomplete 26 $4,354,000 $167,000 $1,100,000 $131,000 $1,299,000
Employment History 19 $1,226,000 $64,000 $200,000 $45,000 $72,000
Unverifiable Information 14 $2,449,000 $174,000 $359,000 $113,000 $541,000
Insufficient Cash (Downpayment, Closing Cost) 1 $129,000 $129,000 $129,000 $30,000 $30,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank Inc's 2015 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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