United Bank Inc Mortgage Lending & HMDA Data, 2015

In 2015, United Bank Inc of Parkersburg, WV reported 2,817 mortgage applications totaling $447.2 million, up 11% from 2014. The average application was for $158,753, and applicants reported an average income of $87,039. 58% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Morgantown, WV (350), Pittsburgh, PA (247) and Charleston, WV (194) (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 2,817
Total Mortgage Loan Application Amount $447,209,000
Average Mortgage Loan Application Amount $158,753
Highest Mortgage Loan Application Amount $24,024,000
Average Applicant Income $87,039
Highest Applicant Income $9,999,000

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Act (HMDA) records United Bank Inc filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2015

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Monongalia, West Virginia 334 $ 85,911,000 $ 257,218 $ 91,000
Fayette, Pennsylvania 177 $ 12,118,000 $ 68,463 $ 70,000
Kanawha, West Virginia 175 $ 33,118,000 $ 189,245 $ 120,000
Wood, West Virginia 141 $ 19,877,000 $ 140,971 $ 107,000
Berkeley, West Virginia 118 $ 18,567,000 $ 157,347 $ 86,000
Jackson, West Virginia 94 $ 6,632,000 $ 70,553 $ 67,000
Raleigh, West Virginia 87 $ 17,845,000 $ 205,114 $ 107,000
Cabell, West Virginia 79 $ 21,082,000 $ 266,860 $ 145,000
Fayette, West Virginia 75 $ 4,439,000 $ 59,186 $ 54,000
Ohio, West Virginia 64 $ 10,493,000 $ 163,953 $ 68,000
Jefferson, West Virginia 59 $ 12,196,000 $ 206,711 $ 81,000
Washington, Maryland 57 $ 11,028,000 $ 193,473 $ 84,000
Lewis, West Virginia 56 $ 2,078,000 $ 37,107 $ 59,000
Nicholas, West Virginia 46 $ 5,118,000 $ 111,260 $ 65,000
Wayne, West Virginia 39 $ 2,276,000 $ 58,358 $ 54,000
Allegheny, Pennsylvania 37 $ 1,469,000 $ 39,702 $ 61,000
Marshall, West Virginia 37 $ 2,478,000 $ 66,972 $ 55,000
Webster, West Virginia 36 $ 997,000 $ 27,694 $ 44,000
Belmont, Ohio 34 $ 2,215,000 $ 65,147 $ 72,000
Putnam, West Virginia 34 $ 5,988,000 $ 176,117 $ 91,000
Marion, West Virginia 23 $ 7,607,000 $ 330,739 $ 21,000
Summit, Ohio 22 $ 253,000 $ 11,500 $ 52,000
Harrison, West Virginia 22 $ 2,943,000 $ 133,772 $ 47,000
Logan, West Virginia 22 $ 2,090,000 $ 95,000 $ 92,000
Washington, Ohio 21 $ 3,913,000 $ 186,333 $ 101,000
Washington, Pennsylvania 21 $ 1,624,000 $ 77,333 $ 43,000
Lorain, Ohio 19 $ 191,000 $ 10,052 $ 52,000
Gilmer, West Virginia 19 $ 1,675,000 $ 88,157 $ 125,000
Venango, Pennsylvania 16 $ 232,000 $ 14,500 $ 52,000
Boone, West Virginia 16 $ 1,696,000 $ 106,000 $ 90,000
Preston, West Virginia 16 $ 1,491,000 $ 93,187 $ 40,000
Greenbrier, West Virginia 15 $ 4,066,000 $ 271,066 $ 105,000
Greene, Pennsylvania 13 $ 1,837,000 $ 141,307 $ 237,000
Jefferson, Ohio 12 $ 883,000 $ 73,583 $ 70,000
Cuyahoga, Ohio 11 $ 144,000 $ 13,090 $ 35,000
Westmoreland, Pennsylvania 11 $ 412,000 $ 37,454 $ 46,000
Lawrence, Ohio 10 $ 1,025,000 $ 102,500 $ 80,000
Stark, Ohio 10 $ 111,000 $ 11,100 $ 36,000
Braxton, West Virginia 10 $ 833,000 $ 83,300 $ 50,000
Medina, Ohio 9 $ 111,000 $ 12,333 $ 77,000
Franklin, Pennsylvania 8 $ 1,842,000 $ 230,250 $ 523,000
Brooke, West Virginia 8 $ 535,000 $ 66,875 $ 38,000
Hancock, West Virginia 8 $ 160,000 $ 20,000 $ 33,000
Mason, West Virginia 8 $ 887,000 $ 110,875 $ 68,000
Lancaster, Pennsylvania 7 $ 70,000 $ 10,000 $ 77,000
Frederick, Virginia 7 $ 2,011,000 $ 287,285 $ 113,000
Loudoun, Virginia 7 $ 2,758,000 $ 394,000 $ 235,000
Roane, West Virginia 7 $ 556,000 $ 79,428 $ 38,000
Garrett, Maryland 6 $ 1,691,000 $ 281,833 $ 212,000
Franklin, Ohio 6 $ 1,041,000 $ 173,500 $ 144,000
Calhoun, West Virginia 6 $ 300,000 $ 50,000 $ 37,000
Morgan, West Virginia 6 $ 702,000 $ 117,000 $ 44,000
Fayette, Kentucky 5 $ 5,878,000 $ 1,175,600 $ 175,000
Baltimore, Maryland 5 $ 2,350,000 $ 470,000 $ 311,000
Frederick, Maryland 5 $ 924,000 $ 184,800 $ 57,000
Harrison, Ohio 5 $ 68,000 $ 13,600 $ 34,000
York, Pennsylvania 5 $ 65,000 $ 13,000 $ 89,000
Fairfax, Virginia 5 $ 2,377,000 $ 475,400 $ 37,000
Ritchie, West Virginia 5 $ 391,000 $ 78,200 $ 42,000
Collier, Florida 4 $ 1,467,000 $ 366,750 $ 239,000
Boyd, Kentucky 4 $ 294,000 $ 73,500 $ 29,000
Harford, Maryland 4 $ 1,559,000 $ 389,750 $ 0
Dauphin, Pennsylvania 4 $ 33,000 $ 8,250 $ 63,000
Monroe, Pennsylvania 4 $ 66,000 $ 16,500 $ 129,000
Barbour, West Virginia 4 $ 22,000 $ 5,500 $ 46,000
Prince George's, Maryland 3 $ 296,000 $ 98,666 $ 114,000
Mahoning, Ohio 3 $ 60,000 $ 20,000 $ 38,000
Lehigh, Pennsylvania 3 $ 48,000 $ 16,000 $ 74,000
Somerset, Pennsylvania 3 $ 439,000 $ 146,333 $ 60,000
Clay, West Virginia 3 $ 88,000 $ 29,333 $ 37,000
Mercer, West Virginia 3 $ 398,000 $ 132,666 $ 84,000
Pocahontas, West Virginia 3 $ 713,000 $ 237,666 $ 197,000
Randolph, West Virginia 3 $ 162,000 $ 54,000 $ 8,000
Summers, West Virginia 3 $ 213,000 $ 71,000 $ 84,000
Upshur, West Virginia 3 $ 104,000 $ 34,666 $ 23,000
Wirt, West Virginia 3 $ 311,000 $ 103,666 $ 55,000
Pima, Arizona 2 $ 746,000 $ 373,000 $ 266,000
Lee, Florida 2 $ 415,000 $ 207,500 $ 696,000
Palm Beach, Florida 2 $ 24,049,000 $ 12,024,500 $ 5,126,000
Jefferson, Kentucky 2 $ 676,000 $ 338,000 $ 128,000
Carroll, Maryland 2 $ 369,000 $ 184,500 $ 154,000
Iredell, North Carolina 2 $ 1,409,000 $ 704,500 $ 21,000
Columbiana, Ohio 2 $ 42,000 $ 21,000 $ 53,000
Monroe, Ohio 2 $ 65,000 $ 32,500 $ 78,000
Richland, Ohio 2 $ 244,000 $ 122,000 $ 59,000
Northampton, Pennsylvania 2 $ 34,000 $ 17,000 $ 72,000
Beaufort, South Carolina 2 $ 331,000 $ 165,500 $ 0
Prince William, Virginia 2 $ 125,000 $ 62,500 $ 57,000
Rockingham, Virginia 2 $ 925,000 $ 462,500 $ 17,000
Lincoln, West Virginia 2 $ 167,000 $ 83,500 $ 56,000
Pleasants, West Virginia 2 $ 190,000 $ 95,000 $ 106,000
Wetzel, West Virginia 2 $ 305,000 $ 152,500 $ 81,000
Wyoming, West Virginia 2 $ 122,000 $ 61,000 $ 19,000
Eagle, Colorado 1 $ 3,960,000 $ 3,960,000 $ 0
District of Columbia, District Of Columbia 1 $ 168,000 $ 168,000 $ 75,000
Broward, Florida 1 $ 191,000 $ 191,000 $ 144,000
Charlotte, Florida 1 $ 85,000 $ 85,000 $ 162,000
Nassau, Florida 1 $ 125,000 $ 125,000 $ 51,000
Okaloosa, Florida 1 $ 94,000 $ 94,000 $ 58,000
Orange, Florida 1 $ 292,000 $ 292,000 $ 56,000
Osceola, Florida 1 $ 176,000 $ 176,000 $ 156,000
Polk, Florida 1 $ 112,000 $ 112,000 $ 256,000
St. Johns, Florida 1 $ 247,000 $ 247,000 $ 140,000
Volusia, Florida 1 $ 417,000 $ 417,000 $ 120,000
Cobb, Georgia 1 $ 150,000 $ 150,000 $ 290,000
Barren, Kentucky 1 $ 75,000 $ 75,000 $ 155,000
Grant, Kentucky 1 $ 9,000 $ 9,000 $ 90,000
Jessamine, Kentucky 1 $ 580,000 $ 580,000 $ 0
Warren, Kentucky 1 $ 635,000 $ 635,000 $ 315,000
Howard, Maryland 1 $ 900,000 $ 900,000 $ 0
Montgomery, Maryland 1 $ 700,000 $ 700,000 $ 0
Bergen, New Jersey 1 $ 25,000 $ 25,000 $ 120,000
Monmouth, New Jersey 1 $ 25,000 $ 25,000 $ 39,000
Morris, New Jersey 1 $ 7,000 $ 7,000 $ 85,000
Erie, New York 1 $ 5,000 $ 5,000 $ 13,000
Kings, New York 1 $ 7,000 $ 7,000 $ 38,000
Nassau, New York 1 $ 25,000 $ 25,000 $ 144,000
Otsego, New York 1 $ 21,000 $ 21,000 $ 198,000
Queens, New York 1 $ 25,000 $ 25,000 $ 215,000
Wyoming, New York 1 $ 11,000 $ 11,000 $ 29,000
Brunswick, North Carolina 1 $ 7,000 $ 7,000 $ 44,000
Buncombe, North Carolina 1 $ 8,000 $ 8,000 $ 27,000
Caswell, North Carolina 1 $ 5,000 $ 5,000 $ 15,000
Catawba, North Carolina 1 $ 450,000 $ 450,000 $ 0
Duplin, North Carolina 1 $ 4,000 $ 4,000 $ 70,000
Edgecombe, North Carolina 1 $ 4,000 $ 4,000 $ 32,000
Forsyth, North Carolina 1 $ 880,000 $ 880,000 $ 0
Gaston, North Carolina 1 $ 14,000 $ 14,000 $ 78,000
New Hanover, North Carolina 1 $ 1,050,000 $ 1,050,000 $ 897,000
Northampton, North Carolina 1 $ 5,000 $ 5,000 $ 80,000
Onslow, North Carolina 1 $ 5,000 $ 5,000 $ 105,000
Orange, North Carolina 1 $ 5,000 $ 5,000 $ 39,000
Pitt, North Carolina 1 $ 4,000 $ 4,000 $ 17,000
Randolph, North Carolina 1 $ 11,000 $ 11,000 $ 46,000
Scotland, North Carolina 1 $ 7,000 $ 7,000 $ 30,000
Surry, North Carolina 1 $ 3,000 $ 3,000 $ 106,000
Watauga, North Carolina 1 $ 25,000 $ 25,000 $ 67,000
Ashtabula, Ohio 1 $ 15,000 $ 15,000 $ 22,000
Athens, Ohio 1 $ 280,000 $ 280,000 $ 143,000
Erie, Ohio 1 $ 6,000 $ 6,000 $ 34,000
Fairfield, Ohio 1 $ 220,000 $ 220,000 $ 84,000
Gallia, Ohio 1 $ 96,000 $ 96,000 $ 78,000
Guernsey, Ohio 1 $ 4,000 $ 4,000 $ 72,000
Hamilton, Ohio 1 $ 68,000 $ 68,000 $ 0
Meigs, Ohio 1 $ 103,000 $ 103,000 $ 26,000
Pike, Ohio 1 $ 280,000 $ 280,000 $ 0
Portage, Ohio 1 $ 9,000 $ 9,000 $ 45,000
Trumbull, Ohio 1 $ 5,000 $ 5,000 $ 97,000
Wayne, Ohio 1 $ 4,000 $ 4,000 $ 34,000
Beaver, Pennsylvania 1 $ 17,000 $ 17,000 $ 50,000
Berks, Pennsylvania 1 $ 18,000 $ 18,000 $ 71,000
Clearfield, Pennsylvania 1 $ 2,000 $ 2,000 $ 74,000
Delaware, Pennsylvania 1 $ 7,000 $ 7,000 $ 23,000
Luzerne, Pennsylvania 1 $ 7,000 $ 7,000 $ 14,000
Pike, Pennsylvania 1 $ 25,000 $ 25,000 $ 93,000
Sullivan, Pennsylvania 1 $ 5,000 $ 5,000 $ 32,000
Wayne, Pennsylvania 1 $ 17,000 $ 17,000 $ 25,000
Horry, South Carolina 1 $ 1,000,000 $ 1,000,000 $ 416,000
Alexandria, Virginia 1 $ 764,000 $ 764,000 $ 433,000
Culpeper, Virginia 1 $ 153,000 $ 153,000 $ 0
Franklin, Virginia 1 $ 125,000 $ 125,000 $ 814,000
Henrico, Virginia 1 $ 312,000 $ 312,000 $ 137,000
King George, Virginia 1 $ 6,200,000 $ 6,200,000 $ 0
Madison, Virginia 1 $ 80,000 $ 80,000 $ 54,000
Manassas, Virginia 1 $ 21,000 $ 21,000 $ 96,000
Warren, Virginia 1 $ 25,000 $ 25,000 $ 30,000
Washington, Virginia 1 $ 17,000 $ 17,000 $ 138,000
Hampshire, West Virginia 1 $ 125,000 $ 125,000 $ 148,000
Taylor, West Virginia 1 $ 60,000 $ 60,000 $ 47,000
Tucker, West Virginia 1 $ 100,000 $ 100,000 $ 103,000
Teton, 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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