United Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
United Bank 2004 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 2600 S. Thompson Springdale, AR 72764 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 1,767 |
| Total Mortgage Loan Application Amount | $299,873,000 |
| Average Mortgage Loan Application Amount | $220,779 |
| Highest Mortgage Loan Application Amount | $769,000 |
| Average Applicant Income | $84,779 |
| Highest Applicant Income | $550,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 with United Bank. 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's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2004 breaks down United Bank'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 serves its applicants.
Each category highlights the total number of mortgage applications processed by United Bank, 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's mortgage activity for 2004.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington County Arkansas | 410 | $ 55,693,000 | $ 135,000 | $ 55,000 |
| Pulaski County Arkansas | 358 | $ 58,717,000 | $ 164,000 | $ 59,000 |
| Benton County Arkansas | 253 | $ 36,056,000 | $ 142,000 | $ 59,000 |
| Saline County Arkansas | 69 | $ 10,721,000 | $ 155,000 | $ 73,000 |
| Shelby County Tennessee | 53 | $ 10,045,000 | $ 189,000 | $ 71,000 |
| Faulkner County Arkansas | 37 | $ 5,486,000 | $ 148,000 | $ 59,000 |
| Maricopa County Arizona | 24 | $ 4,486,000 | $ 186,000 | $ 63,000 |
| Lonoke County Arkansas | 21 | $ 2,857,000 | $ 136,000 | $ 56,000 |
| Garland County Arkansas | 18 | $ 2,939,000 | $ 163,000 | $ 84,000 |
| Elkhart County Indiana | 12 | $ 1,737,000 | $ 144,000 | $ 64,000 |
| Ouachita County Louisiana | 11 | $ 1,676,000 | $ 152,000 | $ 56,000 |
| Tulsa County Oklahoma | 11 | $ 1,629,000 | $ 148,000 | $ 59,000 |
| Craighead County Arkansas | 10 | $ 1,625,000 | $ 162,000 | $ 39,000 |
| Contra Costa County California | 10 | $ 3,593,000 | $ 359,000 | $ 105,000 |
| San Mateo County California | 10 | $ 4,543,000 | $ 454,000 | $ 166,000 |
| DeSoto County Mississippi | 9 | $ 1,902,000 | $ 211,000 | $ 46,000 |
| Sebastian County Arkansas | 8 | $ 1,396,000 | $ 174,000 | $ 100,000 |
| East Baton Rouge County Louisiana | 8 | $ 2,268,000 | $ 283,000 | $ 188,000 |
| Hamilton County Tennessee | 8 | $ 1,466,000 | $ 183,000 | $ 35,000 |
| Grant County Arkansas | 7 | $ 867,000 | $ 123,000 | $ 67,000 |
| St. Joseph County Indiana | 7 | $ 2,036,000 | $ 290,000 | $ 129,000 |
| Taney County Missouri | 7 | $ 957,000 | $ 136,000 | $ 191,000 |
| Clark County Nevada | 7 | $ 1,624,000 | $ 232,000 | $ 65,000 |
| Crittenden County Arkansas | 6 | $ 829,000 | $ 138,000 | $ 80,000 |
| San Francisco County California | 6 | $ 2,380,000 | $ 396,000 | $ 144,000 |
| Los Angeles County California | 5 | $ 1,904,000 | $ 380,000 | $ 96,000 |
| Anoka County Minnesota | 5 | $ 1,572,000 | $ 314,000 | $ 111,000 |
| St. Louis County Missouri | 5 | $ 1,025,000 | $ 205,000 | $ 37,000 |
| Rockingham County New Hampshire | 5 | $ 2,073,000 | $ 414,000 | $ 130,000 |
| Tipton County Tennessee | 5 | $ 1,051,000 | $ 210,000 | $ 35,000 |
| Carroll County Arkansas | 4 | $ 1,008,000 | $ 252,000 | $ 94,000 |
| Hot Spring County Arkansas | 4 | $ 479,000 | $ 119,000 | $ 45,000 |
| Jefferson County Arkansas | 4 | $ 394,000 | $ 98,000 | $ 40,000 |
| Orange County California | 4 | $ 1,664,000 | $ 416,000 | $ 95,000 |
| San Bernardino County California | 4 | $ 1,292,000 | $ 323,000 | $ 100,000 |
| Hartford County Connecticut | 4 | $ 1,149,000 | $ 287,000 | $ 85,000 |
| Bossier County Louisiana | 4 | $ 543,000 | $ 135,000 | $ 69,000 |
| Montgomery County Pennsylvania | 4 | $ 1,211,000 | $ 302,000 | $ 99,000 |
| Dallas County Texas | 4 | $ 805,000 | $ 201,000 | $ 149,000 |
| Washington County Utah | 4 | $ 1,025,000 | $ 256,000 | $ 129,000 |
| Virginia Beach County Virginia | 4 | $ 643,000 | $ 160,000 | $ 65,000 |
| Madison County Alabama | 3 | $ 375,000 | $ 125,000 | $ 15,000 |
| Mohave County Arizona | 3 | $ 394,000 | $ 131,000 | $ 61,000 |
| Madison County Arkansas | 3 | $ 294,000 | $ 98,000 | $ 53,000 |
| Pope County Arkansas | 3 | $ 635,000 | $ 211,000 | $ 131,000 |
| Randolph County Arkansas | 3 | $ 534,000 | $ 178,000 | $ 38,000 |
| Union County Arkansas | 3 | $ 316,000 | $ 105,000 | $ 70,000 |
| Alameda County California | 3 | $ 1,081,000 | $ 360,000 | $ 114,000 |
| Riverside County California | 3 | $ 1,457,000 | $ 485,000 | $ 146,000 |
| San Diego County California | 3 | $ 1,481,000 | $ 493,000 | $ 115,000 |
| Santa Clara County California | 3 | $ 1,028,000 | $ 342,000 | $ 82,000 |
| Hillsborough County Florida | 3 | $ 851,000 | $ 283,000 | $ 84,000 |
| Lee County Florida | 3 | $ 606,000 | $ 202,000 | $ 94,000 |
| DuPage County Illinois | 3 | $ 600,000 | $ 200,000 | $ 19,000 |
| Johnson County Kansas | 3 | $ 735,000 | $ 245,000 | $ 81,000 |
| Fayette County Kentucky | 3 | $ 576,000 | $ 192,000 | $ 80,000 |
| Caddo County Louisiana | 3 | $ 508,000 | $ 169,000 | $ 108,000 |
| Anne Arundel County Maryland | 3 | $ 1,094,000 | $ 364,000 | $ 156,000 |
| Middlesex County Massachusetts | 3 | $ 908,000 | $ 302,000 | $ 115,000 |
| Monmouth County New Jersey | 3 | $ 1,026,000 | $ 342,000 | $ 118,000 |
| Rogers County Oklahoma | 3 | $ 403,000 | $ 134,000 | $ 79,000 |
| Bowie County Texas | 3 | $ 476,000 | $ 158,000 | $ 86,000 |
| Collin County Texas | 3 | $ 363,000 | $ 121,000 | $ 50,000 |
| Etowah County Alabama | 2 | $ 225,000 | $ 112,000 | $ 45,000 |
| Baxter County Arkansas | 2 | $ 430,000 | $ 215,000 | $ 25,000 |
| Cleburne County Arkansas | 2 | $ 306,000 | $ 153,000 | $ 30,000 |
| Crawford County Arkansas | 2 | $ 255,000 | $ 127,000 | $ 30,000 |
| Desha County Arkansas | 2 | $ 298,000 | $ 149,000 | $ 102,000 |
| Marion County Arkansas | 2 | $ 223,000 | $ 111,000 | $ 58,000 |
| Miller County Arkansas | 2 | $ 294,000 | $ 147,000 | $ 60,000 |
| Van Buren County Arkansas | 2 | $ 188,000 | $ 94,000 | $ 76,000 |
| White County Arkansas | 2 | $ 348,000 | $ 174,000 | $ 62,000 |
| El Dorado County California | 2 | $ 406,000 | $ 203,000 | $ 82,000 |
| Imperial County California | 2 | $ 629,000 | $ 314,000 | $ 0 |
| Marin County California | 2 | $ 624,000 | $ 312,000 | $ 167,000 |
| Mendocino County California | 2 | $ 620,000 | $ 310,000 | $ 132,000 |
| Napa County California | 2 | $ 811,000 | $ 405,000 | $ 122,000 |
| Sacramento County California | 2 | $ 539,000 | $ 269,000 | $ 69,000 |
| Sonoma County California | 2 | $ 745,000 | $ 372,000 | $ 141,000 |
| New Haven County Connecticut | 2 | $ 206,000 | $ 103,000 | $ 28,000 |
| Duval County Florida | 2 | $ 303,000 | $ 151,000 | $ 55,000 |
| Gwinnett County Georgia | 2 | $ 443,000 | $ 221,000 | $ 55,000 |
| Cook County Illinois | 2 | $ 641,000 | $ 320,000 | $ 80,000 |
| Madison County Illinois | 2 | $ 202,000 | $ 101,000 | $ 40,000 |
| Kosciusko County Indiana | 2 | $ 341,000 | $ 170,000 | $ 52,000 |
| Jefferson County Louisiana | 2 | $ 385,000 | $ 192,000 | $ 107,000 |
| Norfolk County Massachusetts | 2 | $ 296,000 | $ 148,000 | $ 90,000 |
| Worcester County Massachusetts | 2 | $ 467,000 | $ 233,000 | $ 44,000 |
| Wright County Minnesota | 2 | $ 530,000 | $ 265,000 | $ 66,000 |
| Hinds County Mississippi | 2 | $ 734,000 | $ 367,000 | $ 173,000 |
| Jackson County Mississippi | 2 | $ 230,000 | $ 115,000 | $ 39,000 |
| Lee County Mississippi | 2 | $ 439,000 | $ 219,000 | $ 38,000 |
| Rankin County Mississippi | 2 | $ 272,000 | $ 136,000 | $ 63,000 |
| Barry County Missouri | 2 | $ 114,000 | $ 57,000 | $ 54,000 |
| Christian County Missouri | 2 | $ 177,000 | $ 88,000 | $ 67,000 |
| St. Charles County Missouri | 2 | $ 309,000 | $ 154,000 | $ 31,000 |
| Bergen County New Jersey | 2 | $ 785,000 | $ 392,000 | $ 98,000 |
| Greene County New York | 2 | $ 400,000 | $ 200,000 | $ 78,000 |
| Richmond County New York | 2 | $ 449,000 | $ 224,000 | $ 70,000 |
| Warren County New York | 2 | $ 520,000 | $ 260,000 | $ 108,000 |
| Mecklenburg County North Carolina | 2 | $ 420,000 | $ 210,000 | $ 90,000 |
| Wake County North Carolina | 2 | $ 473,000 | $ 236,000 | $ 88,000 |
| Franklin County Ohio | 2 | $ 279,000 | $ 139,000 | $ 70,000 |
| Greene County Ohio | 2 | $ 260,000 | $ 130,000 | $ 69,000 |
| Hamilton County Ohio | 2 | $ 327,000 | $ 163,000 | $ 45,000 |
| Adair County Oklahoma | 2 | $ 416,000 | $ 208,000 | $ 67,000 |
| Creek County Oklahoma | 2 | $ 272,000 | $ 136,000 | $ 72,000 |
| Logan County Oklahoma | 2 | $ 225,000 | $ 112,000 | $ 76,000 |
| Sequoyah County Oklahoma | 2 | $ 208,000 | $ 104,000 | $ 32,000 |
| Blair County Pennsylvania | 2 | $ 164,000 | $ 82,000 | $ 20,000 |
| Angelina County Texas | 2 | $ 114,000 | $ 57,000 | $ 25,000 |
| Harris County Texas | 2 | $ 333,000 | $ 166,000 | $ 86,000 |
| Tarrant County Texas | 2 | $ 377,000 | $ 188,000 | $ 77,000 |
| Chesapeake County Virginia | 2 | $ 290,000 | $ 145,000 | $ 65,000 |
| Fairfax County Virginia | 2 | $ 500,000 | $ 250,000 | $ 106,000 |
| Stafford County Virginia | 2 | $ 640,000 | $ 320,000 | $ 97,000 |
| DeKalb County Alabama | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Houston County Alabama | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Jefferson County Alabama | 1 | $ 145,000 | $ 145,000 | $ 18,000 |
| Limestone County Alabama | 1 | $ 49,000 | $ 49,000 | $ 76,000 |
| Marshall County Alabama | 1 | $ 65,000 | $ 65,000 | $ 25,000 |
| Tuscaloosa County Alabama | 1 | $ 72,000 | $ 72,000 | $ 50,000 |
| Pima County Arizona | 1 | $ 80,000 | $ 80,000 | $ 171,000 |
| Yuma County Arizona | 1 | $ 94,000 | $ 94,000 | $ 30,000 |
| Arkansas County Arkansas | 1 | $ 95,000 | $ 95,000 | $ 51,000 |
| Ashley County Arkansas | 1 | $ 135,000 | $ 135,000 | $ 72,000 |
| Calhoun County Arkansas | 1 | $ 88,000 | $ 88,000 | $ 144,000 |
| Conway County Arkansas | 1 | $ 155,000 | $ 155,000 | $ 71,000 |
| Greene County Arkansas | 1 | $ 67,000 | $ 67,000 | $ 27,000 |
| Hempstead County Arkansas | 1 | $ 90,000 | $ 90,000 | $ 61,000 |
| Montgomery County Arkansas | 1 | $ 102,000 | $ 102,000 | $ 110,000 |
| Newton County Arkansas | 1 | $ 140,000 | $ 140,000 | $ 30,000 |
| Perry County Arkansas | 1 | $ 200,000 | $ 200,000 | $ 71,000 |
| Phillips County Arkansas | 1 | $ 220,000 | $ 220,000 | $ 145,000 |
| Poinsett County Arkansas | 1 | $ 110,000 | $ 110,000 | $ 33,000 |
| Prairie County Arkansas | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Sharp County Arkansas | 1 | $ 125,000 | $ 125,000 | $ 110,000 |
| Kings County California | 1 | $ 424,000 | $ 424,000 | $ 90,000 |
| Monterey County California | 1 | $ 190,000 | $ 190,000 | $ 93,000 |
| San Joaquin County California | 1 | $ 440,000 | $ 440,000 | $ 150,000 |
| Solano County California | 1 | $ 100,000 | $ 100,000 | $ 161,000 |
| Adams County Colorado | 1 | $ 309,000 | $ 309,000 | $ 96,000 |
| Arapahoe County Colorado | 1 | $ 212,000 | $ 212,000 | $ 62,000 |
| Pueblo County Colorado | 1 | $ 388,000 | $ 388,000 | $ 108,000 |
| Weld County Colorado | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Fairfield County Connecticut | 1 | $ 285,000 | $ 285,000 | $ 0 |
| New London County Connecticut | 1 | $ 158,000 | $ 158,000 | $ 61,000 |
| District of Columbia County District Of Columbia | 1 | $ 117,000 | $ 117,000 | $ 34,000 |
| Alachua County Florida | 1 | $ 162,000 | $ 162,000 | $ 54,000 |
| Brevard County Florida | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Charlotte County Florida | 1 | $ 128,000 | $ 128,000 | $ 44,000 |
| Clay County Florida | 1 | $ 120,000 | $ 120,000 | $ 79,000 |
| Miami-Dade County Florida | 1 | $ 500,000 | $ 500,000 | $ 169,000 |
| Okaloosa County Florida | 1 | $ 186,000 | $ 186,000 | $ 63,000 |
| Pasco County Florida | 1 | $ 138,000 | $ 138,000 | $ 51,000 |
| Pinellas County Florida | 1 | $ 174,000 | $ 174,000 | $ 41,000 |
| Santa Rosa County Florida | 1 | $ 104,000 | $ 104,000 | $ 50,000 |
| Seminole County Florida | 1 | $ 199,000 | $ 199,000 | $ 67,000 |
| St. Johns County Florida | 1 | $ 225,000 | $ 225,000 | $ 108,000 |
| Wakulla County Florida | 1 | $ 349,000 | $ 349,000 | $ 42,000 |
| Fulton County Georgia | 1 | $ 440,000 | $ 440,000 | $ 138,000 |
| Macoupin County Illinois | 1 | $ 287,000 | $ 287,000 | $ 327,000 |
| Jackson County Indiana | 1 | $ 116,000 | $ 116,000 | $ 34,000 |
| Marion County Indiana | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Kenton County Kentucky | 1 | $ 299,000 | $ 299,000 | $ 0 |
| Madison County Kentucky | 1 | $ 129,000 | $ 129,000 | $ 61,000 |
| Ascension County Louisiana | 1 | $ 200,000 | $ 200,000 | $ 53,000 |
| Beauregard County Louisiana | 1 | $ 109,000 | $ 109,000 | $ 55,000 |
| Cameron County Louisiana | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Lafayette County Louisiana | 1 | $ 154,000 | $ 154,000 | $ 64,000 |
| Lincoln County Louisiana | 1 | $ 315,000 | $ 315,000 | $ 120,000 |
| Livingston County Louisiana | 1 | $ 146,000 | $ 146,000 | $ 43,000 |
| Orleans County Louisiana | 1 | $ 425,000 | $ 425,000 | $ 102,000 |
| St. Tammany County Louisiana | 1 | $ 384,000 | $ 384,000 | $ 278,000 |
| Tangipahoa County Louisiana | 1 | $ 131,000 | $ 131,000 | $ 52,000 |
| Howard County Maryland | 1 | $ 473,000 | $ 473,000 | $ 154,000 |
| Montgomery County Maryland | 1 | $ 171,000 | $ 171,000 | $ 72,000 |
| Prince George's County Maryland | 1 | $ 233,000 | $ 233,000 | $ 99,000 |
| Washington County Maryland | 1 | $ 158,000 | $ 158,000 | $ 45,000 |
| Essex County Massachusetts | 1 | $ 332,000 | $ 332,000 | $ 61,000 |
| Suffolk County Massachusetts | 1 | $ 284,000 | $ 284,000 | $ 89,000 |
| Berrien County Michigan | 1 | $ 94,000 | $ 94,000 | $ 50,000 |
| Wayne County Michigan | 1 | $ 156,000 | $ 156,000 | $ 30,000 |
| Carver County Minnesota | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| St. Louis County Minnesota | 1 | $ 83,000 | $ 83,000 | $ 46,000 |
| Steele County Minnesota | 1 | $ 93,000 | $ 93,000 | $ 49,000 |
| Grenada County Mississippi | 1 | $ 137,000 | $ 137,000 | $ 72,000 |
| Harrison County Mississippi | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Pearl River County Mississippi | 1 | $ 215,000 | $ 215,000 | $ 14,000 |
| Simpson County Mississippi | 1 | $ 128,000 | $ 128,000 | $ 25,000 |
| Webster County Mississippi | 1 | $ 64,000 | $ 64,000 | $ 29,000 |
| Barton County Missouri | 1 | $ 329,000 | $ 329,000 | $ 103,000 |
| Cedar County Missouri | 1 | $ 101,000 | $ 101,000 | $ 51,000 |
| Franklin County Missouri | 1 | $ 401,000 | $ 401,000 | $ 199,000 |
| Greene County Missouri | 1 | $ 165,000 | $ 165,000 | $ 96,000 |
| Jefferson County Missouri | 1 | $ 175,000 | $ 175,000 | $ 96,000 |
| Lawrence County Missouri | 1 | $ 45,000 | $ 45,000 | $ 116,000 |
| McDonald County Missouri | 1 | $ 105,000 | $ 105,000 | $ 105,000 |
| New Madrid County Missouri | 1 | $ 104,000 | $ 104,000 | $ 36,000 |
| Newton County Missouri | 1 | $ 10,000 | $ 10,000 | $ 25,000 |
| St. Louis City County Missouri | 1 | $ 123,000 | $ 123,000 | $ 45,000 |
| Douglas County Nevada | 1 | $ 156,000 | $ 156,000 | $ 75,000 |
| Lyon County Nevada | 1 | $ 238,000 | $ 238,000 | $ 49,000 |
| Hillsborough County New Hampshire | 1 | $ 266,000 | $ 266,000 | $ 96,000 |
| Atlantic County New Jersey | 1 | $ 143,000 | $ 143,000 | $ 98,000 |
| Burlington County New Jersey | 1 | $ 149,000 | $ 149,000 | $ 64,000 |
| Gloucester County New Jersey | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Ocean County New Jersey | 1 | $ 155,000 | $ 155,000 | $ 42,000 |
| Somerset County New Jersey | 1 | $ 265,000 | $ 265,000 | $ 75,000 |
| Warren County New Jersey | 1 | $ 235,000 | $ 235,000 | $ 0 |
| Bernalillo County New Mexico | 1 | $ 480,000 | $ 480,000 | $ 254,000 |
| Chemung County New York | 1 | $ 99,000 | $ 99,000 | $ 48,000 |
| Fulton County New York | 1 | $ 50,000 | $ 50,000 | $ 25,000 |
| Kings County New York | 1 | $ 333,000 | $ 333,000 | $ 156,000 |
| Nassau County New York | 1 | $ 450,000 | $ 450,000 | $ 108,000 |
| Cass County North Dakota | 1 | $ 79,000 | $ 79,000 | $ 30,000 |
| Butler County Ohio | 1 | $ 153,000 | $ 153,000 | $ 50,000 |
| Lawrence County Ohio | 1 | $ 136,000 | $ 136,000 | $ 34,000 |
| Warren County Ohio | 1 | $ 375,000 | $ 375,000 | $ 86,000 |
| Bryan County Oklahoma | 1 | $ 80,000 | $ 80,000 | $ 45,000 |
| Love County Oklahoma | 1 | $ 103,000 | $ 103,000 | $ 4,000 |
| Oklahoma County Oklahoma | 1 | $ 500,000 | $ 500,000 | $ 264,000 |
| Pottawatomie County Oklahoma | 1 | $ 155,000 | $ 155,000 | $ 48,000 |
| Woodward County Oklahoma | 1 | $ 79,000 | $ 79,000 | $ 61,000 |
| Washington County Oregon | 1 | $ 374,000 | $ 374,000 | $ 135,000 |
| Berks County Pennsylvania | 1 | $ 176,000 | $ 176,000 | $ 73,000 |
| Bucks County Pennsylvania | 1 | $ 153,000 | $ 153,000 | $ 74,000 |
| Chester County Pennsylvania | 1 | $ 347,000 | $ 347,000 | $ 87,000 |
| Luzerne County Pennsylvania | 1 | $ 220,000 | $ 220,000 | $ 75,000 |
| Philadelphia County Pennsylvania | 1 | $ 257,000 | $ 257,000 | $ 90,000 |
| Aiken County South Carolina | 1 | $ 385,000 | $ 385,000 | $ 250,000 |
| Lexington County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 104,000 |
| Fayette County Tennessee | 1 | $ 196,000 | $ 196,000 | $ 0 |
| Hardin County Tennessee | 1 | $ 158,000 | $ 158,000 | $ 0 |
| Sevier County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 106,000 |
| Comal County Texas | 1 | $ 176,000 | $ 176,000 | $ 59,000 |
| Denton County Texas | 1 | $ 315,000 | $ 315,000 | $ 161,000 |
| Grayson County Texas | 1 | $ 96,000 | $ 96,000 | $ 37,000 |
| Hays County Texas | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Jefferson County Texas | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Johnson County Texas | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Montgomery County Texas | 1 | $ 128,000 | $ 128,000 | $ 81,000 |
| Navarro County Texas | 1 | $ 110,000 | $ 110,000 | $ 86,000 |
| Rusk County Texas | 1 | $ 136,000 | $ 136,000 | $ 63,000 |
| Travis County Texas | 1 | $ 500,000 | $ 500,000 | $ 338,000 |
| Van Zandt County Texas | 1 | $ 77,000 | $ 77,000 | $ 70,000 |
| Salt Lake County Utah | 1 | $ 255,000 | $ 255,000 | $ 100,000 |
| Summit County Utah | 1 | $ 440,000 | $ 440,000 | $ 411,000 |
| Fauquier County Virginia | 1 | $ 300,000 | $ 300,000 | $ 157,000 |
| Gloucester County Virginia | 1 | $ 315,000 | $ 315,000 | $ 128,000 |
| Hampton County Virginia | 1 | $ 166,000 | $ 166,000 | $ 82,000 |
| Hanover County Virginia | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Loudoun County Virginia | 1 | $ 376,000 | $ 376,000 | $ 114,000 |
| Manassas County Virginia | 1 | $ 266,000 | $ 266,000 | $ 108,000 |
| Roanoke City County Virginia | 1 | $ 86,000 | $ 86,000 | $ 23,000 |
| Spotsylvania County Virginia | 1 | $ 221,000 | $ 221,000 | $ 49,000 |
| Winchester County Virginia | 1 | $ 371,000 | $ 371,000 | $ 106,000 |
| Walworth County Wisconsin | 1 | $ 89,000 | $ 89,000 | $ 214,000 |
Mortgage Loan Application Detail Totals for United Bank in 2004
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 | 1,008 | $156,721,000 | $225,625 | $650,000 | $83,687 | $550,000 |
| Refinancing | 752 | $142,819,000 | $224,705 | $769,000 | $87,852 | $543,000 |
| Home Improvement | 7 | $333,000 | $76,500 | $124,000 | $50,000 | $84,000 |
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 | 1,468 | $247,740,000 | $229,771 | $769,000 | $95,400 | $550,000 |
| Not applicable | 85 | $15,981,000 | $198,363 | $414,000 | $545 | $41,000 |
| Black or African American | 82 | $10,335,000 | $142,733 | $285,000 | $50,200 | $192,000 |
| Hispanic | 46 | $7,704,000 | $204,000 | $581,000 | $85,200 | $335,000 |
| Not Provided | 46 | $8,122,000 | $199,888 | $527,000 | $41,111 | $218,000 |
| Asian | 31 | $8,138,000 | $325,250 | $500,000 | $101,250 | $226,000 |
| American Indian or Alaskan Native | 9 | $1,853,000 | $226,000 | $375,000 | $100,800 | $156,000 |
| Native Hawaiian 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) | 1,627 | $284,406,000 | $222,263 | $769,000 | $86,736 | $550,000 |
| FHA-insured (Federal Housing Administration) | 116 | $12,547,000 | $76,000 | $250,000 | $37,666 | $335,000 |
| VA-guaranteed (Veterans Administration) | 19 | $2,401,000 | $126,000 | $214,000 | $52,000 | $122,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 5 | $519,000 | $103,000 | $147,000 | $43,000 | $71,000 |
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 | 1,282 | $220,881,000 | $231,583 | $769,000 | $98,166 | $550,000 |
| Application Withdrawn By Applicant | 271 | $44,501,000 | $202,250 | $650,000 | $62,071 | $432,000 |
| Application Denied By Financial Institution | 121 | $17,615,000 | $202,285 | $581,000 | $83,571 | $250,000 |
| Loan Purchased By The Institution | 90 | $16,170,000 | $177,750 | $414,000 | $21,916 | $176,000 |
| Application Approved But Not Accepted | 2 | $475,000 | $237,500 | $315,000 | $87,000 | $120,000 |
| File Closed For Incompleteness | 1 | $231,000 | $231,000 | $231,000 | $76,000 | $76,000 |
| 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 | 40 | $3,840,000 | $142,000 | $318,000 | $62,714 | $156,000 |
| Collateral | 23 | $3,465,000 | $168,000 | $385,000 | $82,545 | $250,000 |
| Other | 20 | $4,969,000 | $202,727 | $581,000 | $85,818 | $240,000 |
| Debt-To-Income Ratio | 18 | $2,569,000 | $226,714 | $375,000 | $55,285 | $144,000 |
| Credit Application Incomplete | 10 | $1,551,000 | $263,500 | $400,000 | $25,500 | $132,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $551,000 | $91,000 | $138,000 | $34,000 | $55,000 |
| Employment History | 4 | $670,000 | $165,500 | $256,000 | $44,500 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank's 2004 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'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.