United Bank Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
United Bank Inc 2016 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 | $423,772,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $14,330,000 |
| Average Applicant Income | $90,333 |
| Highest Applicant Income | $1,655,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 295 | $ 66,646,000 | $ 225,000 | $ 93,000 |
| Kanawha County West Virginia | 202 | $ 41,815,000 | $ 207,000 | $ 139,000 |
| Fayette County Pennsylvania | 175 | $ 17,336,000 | $ 99,000 | $ 64,000 |
| Berkeley County West Virginia | 135 | $ 24,002,000 | $ 177,000 | $ 89,000 |
| Wood County West Virginia | 110 | $ 19,116,000 | $ 173,000 | $ 79,000 |
| Raleigh County West Virginia | 92 | $ 17,659,000 | $ 191,000 | $ 96,000 |
| Washington County Maryland | 77 | $ 14,122,000 | $ 183,000 | $ 86,000 |
| Jackson County West Virginia | 77 | $ 5,614,000 | $ 72,000 | $ 63,000 |
| Cabell County West Virginia | 75 | $ 15,331,000 | $ 204,000 | $ 111,000 |
| Jefferson County West Virginia | 75 | $ 14,949,000 | $ 199,000 | $ 100,000 |
| Ohio County West Virginia | 69 | $ 6,757,000 | $ 97,000 | $ 83,000 |
| Putnam County West Virginia | 57 | $ 13,309,000 | $ 233,000 | $ 128,000 |
| Belmont County Ohio | 39 | $ 3,234,000 | $ 82,000 | $ 72,000 |
| Fayette County West Virginia | 37 | $ 3,837,000 | $ 103,000 | $ 61,000 |
| Lewis County West Virginia | 35 | $ 3,009,000 | $ 85,000 | $ 75,000 |
| Marion County West Virginia | 33 | $ 4,389,000 | $ 133,000 | $ 43,000 |
| Franklin County Pennsylvania | 32 | $ 7,836,000 | $ 244,000 | $ 38,000 |
| Wayne County West Virginia | 31 | $ 4,404,000 | $ 142,000 | $ 145,000 |
| Nicholas County West Virginia | 26 | $ 2,758,000 | $ 106,000 | $ 81,000 |
| Marshall County West Virginia | 24 | $ 2,489,000 | $ 103,000 | $ 54,000 |
| Harrison County West Virginia | 23 | $ 1,288,000 | $ 56,000 | $ 46,000 |
| Allegheny County Pennsylvania | 21 | $ 813,000 | $ 38,000 | $ 40,000 |
| Gilmer County West Virginia | 20 | $ 1,287,000 | $ 64,000 | $ 46,000 |
| Washington County Ohio | 19 | $ 6,080,000 | $ 320,000 | $ 210,000 |
| Webster County West Virginia | 19 | $ 686,000 | $ 36,000 | $ 45,000 |
| Lawrence County Ohio | 17 | $ 1,737,000 | $ 102,000 | $ 61,000 |
| Venango County Pennsylvania | 17 | $ 255,000 | $ 15,000 | $ 45,000 |
| Summit County Ohio | 16 | $ 185,000 | $ 11,000 | $ 49,000 |
| Stark County Ohio | 15 | $ 171,000 | $ 11,000 | $ 41,000 |
| Logan County West Virginia | 15 | $ 867,000 | $ 57,000 | $ 77,000 |
| Jefferson County Ohio | 14 | $ 522,000 | $ 37,000 | $ 69,000 |
| Preston County West Virginia | 13 | $ 1,500,000 | $ 115,000 | $ 131,000 |
| Greene County Pennsylvania | 12 | $ 610,000 | $ 50,000 | $ 82,000 |
| Westmoreland County Pennsylvania | 11 | $ 189,000 | $ 17,000 | $ 38,000 |
| Harrison County Ohio | 10 | $ 275,000 | $ 27,000 | $ 43,000 |
| Hancock County West Virginia | 10 | $ 932,000 | $ 93,000 | $ 93,000 |
| Portage County Ohio | 9 | $ 92,000 | $ 10,000 | $ 52,000 |
| Washington County Pennsylvania | 8 | $ 689,000 | $ 86,000 | $ 179,000 |
| Boone County West Virginia | 8 | $ 644,000 | $ 80,000 | $ 88,000 |
| Garrett County Maryland | 7 | $ 2,216,000 | $ 316,000 | $ 172,000 |
| Crawford County Pennsylvania | 7 | $ 99,000 | $ 14,000 | $ 46,000 |
| Fairfax County Virginia | 7 | $ 7,304,000 | $ 1,043,000 | $ 36,000 |
| Greenbrier County West Virginia | 7 | $ 4,253,000 | $ 607,000 | $ 288,000 |
| Baltimore County Maryland | 6 | $ 7,282,000 | $ 1,213,000 | $ 589,000 |
| Frederick County Maryland | 6 | $ 1,847,000 | $ 307,000 | $ 88,000 |
| Brooke County West Virginia | 6 | $ 474,000 | $ 79,000 | $ 69,000 |
| Boyd County Kentucky | 5 | $ 736,000 | $ 147,000 | $ 91,000 |
| Medina County Ohio | 5 | $ 69,000 | $ 13,000 | $ 44,000 |
| Beaver County Pennsylvania | 5 | $ 87,000 | $ 17,000 | $ 30,000 |
| Horry County South Carolina | 5 | $ 616,000 | $ 123,000 | $ 189,000 |
| Calhoun County West Virginia | 5 | $ 310,000 | $ 62,000 | $ 135,000 |
| Roane County West Virginia | 5 | $ 340,000 | $ 68,000 | $ 58,000 |
| Cuyahoga County Ohio | 4 | $ 66,000 | $ 16,000 | $ 62,000 |
| Indiana County Pennsylvania | 4 | $ 157,000 | $ 39,000 | $ 33,000 |
| Loudoun County Virginia | 4 | $ 1,309,000 | $ 327,000 | $ 553,000 |
| Braxton County West Virginia | 4 | $ 259,000 | $ 64,000 | $ 34,000 |
| Pleasants County West Virginia | 4 | $ 833,000 | $ 208,000 | $ 135,000 |
| Wirt County West Virginia | 4 | $ 532,000 | $ 133,000 | $ 83,000 |
| District of Columbia County District Of Columbia | 3 | $ 16,162,000 | $ 5,387,000 | $ 183,000 |
| Anne Arundel County Maryland | 3 | $ 1,892,000 | $ 630,000 | $ 331,000 |
| Montgomery County Maryland | 3 | $ 2,209,000 | $ 736,000 | $ 52,000 |
| Lake County Ohio | 3 | $ 32,000 | $ 10,000 | $ 38,000 |
| Meigs County Ohio | 3 | $ 418,000 | $ 139,000 | $ 2,000 |
| Davidson County Tennessee | 3 | $ 435,000 | $ 145,000 | $ 288,000 |
| Rockingham County Virginia | 3 | $ 210,000 | $ 70,000 | $ 35,000 |
| Shenandoah County Virginia | 3 | $ 40,000 | $ 13,000 | $ 388,000 |
| Doddridge County West Virginia | 3 | $ 318,000 | $ 106,000 | $ 45,000 |
| Randolph County West Virginia | 3 | $ 11,000 | $ 3,000 | $ 25,000 |
| Upshur County West Virginia | 3 | $ 742,000 | $ 247,000 | $ 10,000 |
| St. Johns County Florida | 2 | $ 570,000 | $ 285,000 | $ 112,000 |
| Baltimore City County Maryland | 2 | $ 2,010,000 | $ 1,005,000 | $ 496,000 |
| Prince George's County Maryland | 2 | $ 232,000 | $ 116,000 | $ 39,000 |
| Davie County North Carolina | 2 | $ 857,000 | $ 428,000 | $ 85,000 |
| Erie County Ohio | 2 | $ 21,000 | $ 10,000 | $ 37,000 |
| Franklin County Ohio | 2 | $ 492,000 | $ 246,000 | $ 115,000 |
| Wayne County Ohio | 2 | $ 34,000 | $ 17,000 | $ 58,000 |
| Payne County Oklahoma | 2 | $ 390,000 | $ 195,000 | $ 425,000 |
| Butler County Pennsylvania | 2 | $ 837,000 | $ 418,000 | $ 14,000 |
| Jefferson County Pennsylvania | 2 | $ 14,000 | $ 7,000 | $ 24,000 |
| Philadelphia County Pennsylvania | 2 | $ 438,000 | $ 219,000 | $ 181,000 |
| Somerset County Pennsylvania | 2 | $ 9,000 | $ 4,000 | $ 45,000 |
| York County Pennsylvania | 2 | $ 41,000 | $ 20,000 | $ 103,000 |
| Beaufort County South Carolina | 2 | $ 438,000 | $ 219,000 | $ 0 |
| Franklin County Virginia | 2 | $ 749,000 | $ 374,000 | $ 66,000 |
| Henrico County Virginia | 2 | $ 27,000 | $ 13,000 | $ 46,000 |
| Prince William County Virginia | 2 | $ 157,000 | $ 78,000 | $ 79,000 |
| Hampshire County West Virginia | 2 | $ 196,000 | $ 98,000 | $ 128,000 |
| Lincoln County West Virginia | 2 | $ 410,000 | $ 205,000 | $ 146,000 |
| Mingo County West Virginia | 2 | $ 158,000 | $ 79,000 | $ 89,000 |
| Tucker County West Virginia | 2 | $ 2,102,000 | $ 1,051,000 | $ 23,000 |
| Wetzel County West Virginia | 2 | $ 201,000 | $ 100,000 | $ 56,000 |
| Wyoming County West Virginia | 2 | $ 80,000 | $ 40,000 | $ 69,000 |
| Eagle County Colorado | 1 | $ 1,816,000 | $ 1,816,000 | $ 588,000 |
| Collier County Florida | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Orange County Florida | 1 | $ 224,000 | $ 224,000 | $ 80,000 |
| Palm Beach County Florida | 1 | $ 166,000 | $ 166,000 | $ 300,000 |
| Webster County Iowa | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Boone County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Greenup County Kentucky | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Allegany County Maryland | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Carroll County Maryland | 1 | $ 205,000 | $ 205,000 | $ 317,000 |
| Cecil County Maryland | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Talbot County Maryland | 1 | $ 216,000 | $ 216,000 | $ 111,000 |
| Suffolk County New York | 1 | $ 2,400,000 | $ 2,400,000 | $ 1,322,000 |
| Buncombe County North Carolina | 1 | $ 920,000 | $ 920,000 | $ 761,000 |
| Cabarrus County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Carteret County North Carolina | 1 | $ 319,000 | $ 319,000 | $ 0 |
| Catawba County North Carolina | 1 | $ 490,000 | $ 490,000 | $ 0 |
| Davidson County North Carolina | 1 | $ 502,000 | $ 502,000 | $ 157,000 |
| Mecklenburg County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 610,000 |
| Pender County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 51,000 |
| Surry County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 80,000 |
| Wake County North Carolina | 1 | $ 17,000 | $ 17,000 | $ 65,000 |
| Yadkin County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 44,000 |
| Athens County Ohio | 1 | $ 41,000 | $ 41,000 | $ 97,000 |
| Licking County Ohio | 1 | $ 129,000 | $ 129,000 | $ 43,000 |
| Monroe County Ohio | 1 | $ 272,000 | $ 272,000 | $ 133,000 |
| Morgan County Ohio | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Bedford County Pennsylvania | 1 | $ 11,000 | $ 11,000 | $ 40,000 |
| Clearfield County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 26,000 |
| Lancaster County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 42,000 |
| Monroe County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| Greenville County South Carolina | 1 | $ 332,000 | $ 332,000 | $ 189,000 |
| Lexington County South Carolina | 1 | $ 11,000 | $ 11,000 | $ 103,000 |
| Williamson County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Amherst County Virginia | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Clarke County Virginia | 1 | $ 40,000 | $ 40,000 | $ 360,000 |
| Frederick County Virginia | 1 | $ 553,000 | $ 553,000 | $ 1,655,000 |
| Virginia Beach County Virginia | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Clay County West Virginia | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Mercer County West Virginia | 1 | $ 20,000 | $ 20,000 | $ 26,000 |
| Morgan County West Virginia | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Ritchie County West Virginia | 1 | $ 86,000 | $ 86,000 | $ 109,000 |
| Summers County West Virginia | 1 | $ 83,000 | $ 83,000 | $ 36,000 |
| Taylor County West Virginia | 1 | $ 5,000 | $ 5,000 | $ 51,000 |
| Tyler County West Virginia | 1 | $ 162,000 | $ 162,000 | $ 69,000 |
Mortgage Loan Application Detail Totals for United Bank Inc in 2016
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 | 1,304 | $239,553,000 | $183,000 | $2,052,000 | $87,000 | $1,655,000 |
| Refinancing | 626 | $157,595,000 | $251,000 | $14,330,000 | $112,000 | $1,416,000 |
| Home Improvement | 609 | $26,624,000 | $43,000 | $2,400,000 | $72,000 | $1,607,000 |
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 | 1,977 | $295,026,000 | $149,000 | $2,750,000 | $102,000 | $1,655,000 |
| Not applicable | 245 | $87,565,000 | $357,000 | $14,330,000 | $0 | $0 |
| Not Provided | 222 | $29,896,000 | $134,000 | $1,200,000 | $80,000 | $1,160,000 |
| Black or African American | 60 | $4,196,000 | $69,000 | $417,000 | $56,000 | $252,000 |
| Asian | 20 | $5,254,000 | $262,000 | $980,000 | $139,000 | $505,000 |
| Hispanic | 14 | $1,833,000 | $130,000 | $417,000 | $118,000 | $360,000 |
| American Indian or Alaskan Native | 1 | $2,000 | $2,000 | $2,000 | $0 | $0 |
| Native Hawaiin or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,186 | $400,667,000 | $183,000 | $14,330,000 | $95,000 | $1,655,000 |
| FHA-insured (Federal Housing Administration) | 245 | $7,066,000 | $28,000 | $249,000 | $52,000 | $992,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $7,175,000 | $130,000 | $271,000 | $49,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 53 | $8,864,000 | $167,000 | $358,000 | $75,000 | $221,000 |
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 | 1,444 | $290,619,000 | $201,000 | $14,330,000 | $101,000 | $1,655,000 |
| Application Denied By Financial Institution | 420 | $41,944,000 | $99,000 | $1,564,000 | $75,000 | $697,000 |
| Preapproval Denied by Financial Institution | 253 | $28,047,000 | $110,000 | $550,000 | $54,000 | $433,000 |
| Application Withdrawn By Applicant | 139 | $27,345,000 | $196,000 | $2,155,000 | $119,000 | $1,416,000 |
| Loan Purchased By The Institution | 137 | $15,437,000 | $112,000 | $342,000 | $59,000 | $480,000 |
| Preapproval Approved but not Accepted | 90 | $14,977,000 | $166,000 | $646,000 | $73,000 | $274,000 |
| Application Approved But Not Accepted | 56 | $5,403,000 | $96,000 | $605,000 | $75,000 | $600,000 |
| 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 | 297 | $21,304,000 | $71,000 | $480,000 | $50,000 | $274,000 |
| Debt-To-Income Ratio | 202 | $20,431,000 | $101,000 | $550,000 | $49,000 | $224,000 |
| Collateral | 69 | $13,653,000 | $197,000 | $1,564,000 | $142,000 | $697,000 |
| Credit Application Incomplete | 38 | $6,233,000 | $164,000 | $590,000 | $110,000 | $442,000 |
| Other | 38 | $4,968,000 | $130,000 | $417,000 | $102,000 | $623,000 |
| Employment History | 16 | $1,251,000 | $78,000 | $266,000 | $39,000 | $80,000 |
| Unverifiable Information | 13 | $2,151,000 | $165,000 | $417,000 | $150,000 | $543,000 |
| 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 2016 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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with aggregated HMDA statistics today.