United Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005

United Bank 2005 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 1,433
Total Mortgage Loan Application Amount $207,054,000
Average Mortgage Loan Application Amount $174,918
Highest Mortgage Loan Application Amount $2,304,000
Average Applicant Income $80,524
Highest Applicant Income $3,315,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.

Mortgage Loan Application Totals for United Bank by County in 2005

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 351 $ 45,900,000 $ 130,000 $ 70,000
Benton County Arkansas 294 $ 40,662,000 $ 138,000 $ 71,000
Pulaski County Arkansas 242 $ 34,354,000 $ 141,000 $ 85,000
Saline County Arkansas 53 $ 6,011,000 $ 113,000 $ 70,000
Faulkner County Arkansas 44 $ 4,297,000 $ 97,000 $ 62,000
Shelby County Tennessee 29 $ 5,521,000 $ 190,000 $ 78,000
Maricopa County Arizona 20 $ 4,823,000 $ 241,000 $ 82,000
Lonoke County Arkansas 18 $ 2,330,000 $ 129,000 $ 81,000
Jefferson County Arkansas 10 $ 858,000 $ 85,000 $ 55,000
Hartford County Connecticut 9 $ 989,000 $ 109,000 $ 115,000
Madison County Arkansas 7 $ 941,000 $ 134,000 $ 109,000
Elkhart County Indiana 7 $ 1,082,000 $ 154,000 $ 60,000
St. Joseph County Indiana 7 $ 1,207,000 $ 172,000 $ 68,000
St. Louis County Missouri 7 $ 1,208,000 $ 172,000 $ 64,000
Craighead County Arkansas 6 $ 642,000 $ 107,000 $ 81,000
Jefferson County Colorado 6 $ 978,000 $ 163,000 $ 100,000
Jackson County Missouri 6 $ 920,000 $ 153,000 $ 109,000
Tulsa County Oklahoma 6 $ 1,190,000 $ 198,000 $ 99,000
Mobile County Alabama 5 $ 454,000 $ 90,000 $ 0
Garland County Arkansas 5 $ 687,000 $ 137,000 $ 81,000
DeSoto County Mississippi 5 $ 791,000 $ 158,000 $ 22,000
Delaware County Oklahoma 5 $ 488,000 $ 97,000 $ 107,000
Cleburne County Arkansas 4 $ 454,000 $ 113,000 $ 222,000
Conway County Arkansas 4 $ 267,000 $ 66,000 $ 51,000
Los Angeles County California 4 $ 1,359,000 $ 339,000 $ 63,000
Orange County California 4 $ 1,850,000 $ 462,000 $ 386,000
Adams County Colorado 4 $ 1,091,000 $ 272,000 $ 63,000
Hillsborough County Florida 4 $ 777,000 $ 194,000 $ 63,000
Pasco County Florida 4 $ 602,000 $ 150,000 $ 58,000
Pinellas County Florida 4 $ 1,121,000 $ 280,000 $ 167,000
Johnson County Kansas 4 $ 388,000 $ 97,000 $ 49,000
Ouachita County Louisiana 4 $ 740,000 $ 185,000 $ 98,000
Douglas County Nebraska 4 $ 728,000 $ 182,000 $ 40,000
Fayette County Tennessee 4 $ 845,000 $ 211,000 $ 170,000
Ashley County Arkansas 3 $ 189,000 $ 63,000 $ 37,000
Grant County Arkansas 3 $ 285,000 $ 95,000 $ 49,000
Lawrence County Arkansas 3 $ 170,000 $ 56,000 $ 65,000
Sebastian County Arkansas 3 $ 699,000 $ 233,000 $ 242,000
Denver County Colorado 3 $ 416,000 $ 138,000 $ 84,000
Duval County Florida 3 $ 693,000 $ 231,000 $ 59,000
Orange County Florida 3 $ 765,000 $ 255,000 $ 78,000
Fayette County Kentucky 3 $ 683,000 $ 227,000 $ 51,000
Hennepin County Minnesota 3 $ 662,000 $ 220,000 $ 92,000
Barry County Missouri 3 $ 208,000 $ 69,000 $ 27,000
St. Charles County Missouri 3 $ 588,000 $ 196,000 $ 59,000
Tipton County Tennessee 3 $ 440,000 $ 146,000 $ 80,000
Dallas County Texas 3 $ 263,000 $ 87,000 $ 74,000
Galveston County Texas 3 $ 245,000 $ 81,000 $ 87,000
Morgan County Alabama 2 $ 283,000 $ 141,000 $ 39,000
Arkansas County Arkansas 2 $ 143,000 $ 71,000 $ 107,000
Carroll County Arkansas 2 $ 21,000 $ 10,000 $ 23,000
Crawford County Arkansas 2 $ 160,000 $ 80,000 $ 58,000
Greene County Arkansas 2 $ 240,000 $ 120,000 $ 63,000
Hot Spring County Arkansas 2 $ 133,000 $ 66,000 $ 54,000
Prairie County Arkansas 2 $ 356,000 $ 178,000 $ 26,000
White County Arkansas 2 $ 238,000 $ 119,000 $ 46,000
Contra Costa County California 2 $ 458,000 $ 229,000 $ 0
Riverside County California 2 $ 1,207,000 $ 603,000 $ 177,000
San Diego County California 2 $ 725,000 $ 362,000 $ 89,000
Arapahoe County Colorado 2 $ 325,000 $ 162,000 $ 61,000
Volusia County Florida 2 $ 285,000 $ 142,000 $ 25,000
Henry County Georgia 2 $ 170,000 $ 85,000 $ 94,000
Brown County Indiana 2 $ 98,000 $ 49,000 $ 54,000
Johnson County Indiana 2 $ 137,000 $ 68,000 $ 80,000
East Baton Rouge County Louisiana 2 $ 138,000 $ 69,000 $ 120,000
Oxford County Maine 2 $ 209,000 $ 104,000 $ 153,000
Charles County Maryland 2 $ 235,000 $ 117,000 $ 143,000
Franklin County Massachusetts 2 $ 200,000 $ 100,000 $ 105,000
Berrien County Michigan 2 $ 413,000 $ 206,000 $ 53,000
Lafayette County Mississippi 2 $ 216,000 $ 108,000 $ 0
Rankin County Mississippi 2 $ 65,000 $ 32,000 $ 48,000
Clay County Missouri 2 $ 321,000 $ 160,000 $ 67,000
Jefferson County Missouri 2 $ 223,000 $ 111,000 $ 47,000
McDonald County Missouri 2 $ 477,000 $ 238,000 $ 88,000
Bernalillo County New Mexico 2 $ 302,000 $ 151,000 $ 63,000
Catawba County North Carolina 2 $ 132,000 $ 66,000 $ 61,000
Adair County Oklahoma 2 $ 142,000 $ 71,000 $ 78,000
Cleveland County Oklahoma 2 $ 272,000 $ 136,000 $ 51,000
Oklahoma County Oklahoma 2 $ 181,000 $ 90,000 $ 79,000
Charleston County South Carolina 2 $ 311,000 $ 155,000 $ 143,000
Brazos County Texas 2 $ 295,000 $ 147,000 $ 109,000
Henderson County Texas 2 $ 263,000 $ 131,000 $ 0
Rockwall County Texas 2 $ 544,000 $ 272,000 $ 93,000
Tarrant County Texas 2 $ 584,000 $ 292,000 $ 117,000
Tooele County Utah 2 $ 128,000 $ 64,000 $ 65,000
Chesapeake County Virginia 2 $ 503,000 $ 251,000 $ 64,000
Fairfax County Virginia 2 $ 449,000 $ 224,000 $ 128,000
Giles County Virginia 2 $ 179,000 $ 89,000 $ 62,000
Henrico County Virginia 2 $ 391,000 $ 195,000 $ 77,000
Virginia Beach County Virginia 2 $ 467,000 $ 233,000 $ 72,000
Whatcom County Washington 2 $ 291,000 $ 145,000 $ 89,000
Baldwin County Alabama 1 $ 272,000 $ 272,000 $ 137,000
Anchorage County Alaska 1 $ 140,000 $ 140,000 $ 72,000
Baxter County Arkansas 1 $ 152,000 $ 152,000 $ 42,000
Boone County Arkansas 1 $ 73,000 $ 73,000 $ 43,000
Bradley County Arkansas 1 $ 118,000 $ 118,000 $ 180,000
Clark County Arkansas 1 $ 147,000 $ 147,000 $ 63,000
Cleveland County Arkansas 1 $ 67,000 $ 67,000 $ 73,000
Crittenden County Arkansas 1 $ 125,000 $ 125,000 $ 89,000
Hempstead County Arkansas 1 $ 100,000 $ 100,000 $ 49,000
Independence County Arkansas 1 $ 61,000 $ 61,000 $ 111,000
Mississippi County Arkansas 1 $ 75,000 $ 75,000 $ 16,000
Perry County Arkansas 1 $ 132,000 $ 132,000 $ 31,000
Polk County Arkansas 1 $ 65,000 $ 65,000 $ 34,000
Union County Arkansas 1 $ 93,000 $ 93,000 $ 0
Alameda County California 1 $ 440,000 $ 440,000 $ 137,000
San Francisco County California 1 $ 615,000 $ 615,000 $ 0
San Mateo County California 1 $ 470,000 $ 470,000 $ 114,000
Ventura County California 1 $ 446,000 $ 446,000 $ 74,000
Boulder County Colorado 1 $ 419,000 $ 419,000 $ 128,000
Douglas County Colorado 1 $ 393,000 $ 393,000 $ 77,000
Bradford County Florida 1 $ 272,000 $ 272,000 $ 0
Brevard County Florida 1 $ 243,000 $ 243,000 $ 54,000
Lake County Florida 1 $ 232,000 $ 232,000 $ 53,000
Polk County Florida 1 $ 159,000 $ 159,000 $ 69,000
Seminole County Florida 1 $ 270,000 $ 270,000 $ 110,000
Sumter County Florida 1 $ 165,000 $ 165,000 $ 0
Winnebago County Illinois 1 $ 132,000 $ 132,000 $ 44,000
Hendricks County Indiana 1 $ 220,000 $ 220,000 $ 113,000
Kosciusko County Indiana 1 $ 378,000 $ 378,000 $ 311,000
Marion County Indiana 1 $ 151,000 $ 151,000 $ 71,000
Dallas County Iowa 1 $ 138,000 $ 138,000 $ 75,000
Douglas County Kansas 1 $ 195,000 $ 195,000 $ 148,000
Wyandotte County Kansas 1 $ 95,000 $ 95,000 $ 35,000
Boone County Kentucky 1 $ 268,000 $ 268,000 $ 101,000
McCracken County Kentucky 1 $ 112,000 $ 112,000 $ 66,000
Bossier County Louisiana 1 $ 114,000 $ 114,000 $ 66,000
Livingston County Louisiana 1 $ 140,000 $ 140,000 $ 53,000
West Feliciana County Louisiana 1 $ 362,000 $ 362,000 $ 0
Hampden County Massachusetts 1 $ 117,000 $ 117,000 $ 0
Branch County Michigan 1 $ 140,000 $ 140,000 $ 47,000
Eaton County Michigan 1 $ 160,000 $ 160,000 $ 52,000
Ottawa County Michigan 1 $ 134,000 $ 134,000 $ 50,000
Dakota County Minnesota 1 $ 260,000 $ 260,000 $ 107,000
Washington County Minnesota 1 $ 200,000 $ 200,000 $ 87,000
Montgomery County Mississippi 1 $ 64,000 $ 64,000 $ 22,000
Cass County Missouri 1 $ 181,000 $ 181,000 $ 64,000
Greene County Missouri 1 $ 131,000 $ 131,000 $ 72,000
Lafayette County Missouri 1 $ 125,000 $ 125,000 $ 57,000
Taney County Missouri 1 $ 145,000 $ 145,000 $ 61,000
Sarpy County Nebraska 1 $ 158,000 $ 158,000 $ 91,000
Nassau County New York 1 $ 584,000 $ 584,000 $ 131,000
Mecklenburg County North Carolina 1 $ 90,000 $ 90,000 $ 0
Cass County North Dakota 1 $ 131,000 $ 131,000 $ 67,000
Clermont County Ohio 1 $ 117,000 $ 117,000 $ 40,000
Hamilton County Ohio 1 $ 160,000 $ 160,000 $ 53,000
Miami County Ohio 1 $ 81,000 $ 81,000 $ 28,000
Wyandot County Ohio 1 $ 105,000 $ 105,000 $ 43,000
Beckham County Oklahoma 1 $ 162,000 $ 162,000 $ 68,000
Canadian County Oklahoma 1 $ 127,000 $ 127,000 $ 73,000
Comanche County Oklahoma 1 $ 95,000 $ 95,000 $ 123,000
Latimer County Oklahoma 1 $ 82,000 $ 82,000 $ 0
Bucks County Pennsylvania 1 $ 495,000 $ 495,000 $ 205,000
Lehigh County Pennsylvania 1 $ 153,000 $ 153,000 $ 60,000
Florence County South Carolina 1 $ 126,000 $ 126,000 $ 0
Marion County South Carolina 1 $ 188,000 $ 188,000 $ 55,000
Richland County South Carolina 1 $ 360,000 $ 360,000 $ 168,000
Hamilton County Tennessee 1 $ 215,000 $ 215,000 $ 64,000
Knox County Tennessee 1 $ 81,000 $ 81,000 $ 110,000
Obion County Tennessee 1 $ 128,000 $ 128,000 $ 56,000
Wilson County Tennessee 1 $ 211,000 $ 211,000 $ 83,000
Bexar County Texas 1 $ 71,000 $ 71,000 $ 0
Bowie County Texas 1 $ 200,000 $ 200,000 $ 63,000
Collin County Texas 1 $ 230,000 $ 230,000 $ 125,000
Fort Bend County Texas 1 $ 209,000 $ 209,000 $ 78,000
Harris County Texas 1 $ 88,000 $ 88,000 $ 78,000
Harrison County Texas 1 $ 135,000 $ 135,000 $ 70,000
Hunt County Texas 1 $ 90,000 $ 90,000 $ 34,000
Kaufman County Texas 1 $ 209,000 $ 209,000 $ 76,000
Nueces County Texas 1 $ 133,000 $ 133,000 $ 126,000
Wise County Texas 1 $ 148,000 $ 148,000 $ 65,000
Cache County Utah 1 $ 155,000 $ 155,000 $ 60,000
Salt Lake County Utah 1 $ 436,000 $ 436,000 $ 191,000
Spotsylvania County Virginia 1 $ 650,000 $ 650,000 $ 194,000

Mortgage Loan Application Detail Totals for United Bank in 2005

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 985 $132,667,000 $166,258 $753,000 $88,258 $1,201,000
Refinancing 437 $74,069,000 $194,285 $2,304,000 $73,357 $3,315,000
Home Improvement 11 $318,000 $38,000 $78,000 $61,000 $97,000

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 1,118 $165,401,000 $167,685 $2,304,000 $82,714 $3,315,000
Hispanic 109 $11,857,000 $121,500 $387,000 $76,800 $300,000
Black or African American 85 $8,800,000 $184,900 $385,000 $79,600 $155,000
Not Provided 52 $9,555,000 $237,642 $615,000 $58,071 $191,000
Asian 36 $4,960,000 $196,142 $440,000 $67,571 $169,000
Not applicable 25 $5,743,000 $194,200 $1,138,000 $43,400 $404,000
American Indian or Alaskan Native 7 $608,000 $59,500 $143,000 $57,000 $70,000
Native Hawaiian or Other Pacific Islander 1 $130,000 $130,000 $130,000 $56,000 $56,000

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) 1,343 $196,851,000 $174,236 $2,304,000 $81,157 $3,315,000
FHA-insured (Federal Housing Administration) 69 $7,342,000 $106,000 $168,000 $44,000 $121,000
VA-guaranteed (Veterans Administration) 13 $1,880,000 $144,000 $240,000 $57,000 $90,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 8 $981,000 $122,000 $200,000 $42,000 $57,000

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 1,169 $167,508,000 $181,588 $2,304,000 $86,382 $3,315,000
Application Withdrawn By Applicant 147 $18,127,000 $158,181 $752,000 $68,227 $368,000
Loan Purchased By The Institution 69 $16,309,000 $264,615 $761,000 $93,307 $352,000
Application Denied By Financial Institution 47 $4,884,000 $168,700 $615,000 $75,400 $177,000
Application Approved But Not Accepted 1 $226,000 $226,000 $226,000 $60,000 $60,000
File Closed For Incompleteness 0 $0 $0 $0 $0 $0
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 18 $1,268,000 $188,666 $400,000 $100,000 $177,000
Other 12 $805,000 $68,400 $188,000 $79,400 $162,000
Collateral 8 $1,465,000 $252,250 $615,000 $66,500 $171,000
Debt-To-Income Ratio 5 $742,000 $150,500 $167,000 $32,000 $83,000
Employment History 2 $449,000 $224,000 $359,000 $128,000 $128,000
Insufficient Cash (Downpayment, Closing Cost) 1 $72,000 $72,000 $72,000 $21,000 $21,000
Credit Application Incomplete 1 $83,000 $83,000 $83,000 $26,000 $26,000
Unverifiable Information 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's 2005 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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