United Bank Mortgage Lending & HMDA Data, 2004
In 2004, United Bank of Springdale, AR reported 1,767 mortgage applications totaling $299.9 million, up 105% from 2003. The average application was for $169,707, and applicants reported an average income of $65,288. 73% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Fayetteville-Springdale-Rogers, AR-MO (666), Little Rock-North Little Rock, AR (493) and Memphis, TN-MS-AR (59) (applications in parentheses).
| 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 | $169,707 |
| Highest Mortgage Loan Application Amount | $769,000 |
| Average Applicant Income | $65,288 |
| Highest Applicant Income | $550,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fayetteville-Springdale-Rogers, AR-MO | 666 | $ 92,043,000 | $ 138,202 | $ 56,000 |
| Little Rock-North Little Rock, AR | 493 | $ 78,848,000 | $ 159,935 | $ 62,000 |
| Memphis, TN-MS-AR | 59 | $ 11,292,000 | $ 191,389 | $ 49,000 |
| Phoenix-Mesa-Scottsdale, AZ | 24 | $ 4,486,000 | $ 186,916 | $ 63,000 |
| San Francisco-San Mateo-Redwood City, CA | 18 | $ 7,547,000 | $ 419,277 | $ 157,000 |
| Hot Springs, AR | 17 | $ 2,764,000 | $ 162,588 | $ 87,000 |
| Tulsa, OK | 16 | $ 2,304,000 | $ 144,000 | $ 66,000 |
| Oakland-Fremont-Hayward, CA | 13 | $ 4,674,000 | $ 359,538 | $ 107,000 |
| Elkhart-Goshen, IN | 12 | $ 1,737,000 | $ 144,750 | $ 64,000 |
| Jonesboro, AR | 11 | $ 1,735,000 | $ 157,727 | $ 38,000 |
| Monroe, LA | 11 | $ 1,676,000 | $ 152,363 | $ 56,000 |
| Baton Rouge, LA | 10 | $ 2,614,000 | $ 261,400 | $ 118,000 |
| Fort Smith, AR-OK | 10 | $ 1,651,000 | $ 165,100 | $ 65,000 |
| St. Louis, MO-IL | 10 | $ 2,033,000 | $ 203,300 | $ 69,000 |
| Chattanooga, TN-GA | 8 | $ 1,466,000 | $ 183,250 | $ 35,000 |
| Dallas-Plano-Irving, TX | 8 | $ 1,483,000 | $ 185,375 | $ 113,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 8 | $ 2,367,000 | $ 295,875 | $ 93,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 8 | $ 1,414,000 | $ 176,750 | $ 75,000 |
| Las Vegas-Paradise, NV | 7 | $ 1,624,000 | $ 232,000 | $ 65,000 |
| Philadelphia, PA | 7 | $ 1,968,000 | $ 281,142 | $ 89,000 |
| Riverside-San Bernardino-Ontario, CA | 7 | $ 2,749,000 | $ 392,714 | $ 119,000 |
| Shreveport-Bossier City, LA | 7 | $ 1,051,000 | $ 150,142 | $ 86,000 |
| South Bend-Mishawaka, IN-MI | 7 | $ 2,036,000 | $ 290,857 | $ 129,000 |
| Chicago-Naperville-Joliet, IL | 5 | $ 1,241,000 | $ 248,200 | $ 43,000 |
| Edison, NJ | 5 | $ 1,446,000 | $ 289,200 | $ 94,000 |
| Jackson, MS | 5 | $ 1,134,000 | $ 226,800 | $ 99,000 |
| Los Angeles-Long Beach-Glendale, CA | 5 | $ 1,904,000 | $ 380,800 | $ 96,000 |
| Rockingham County-Strafford County, NH | 5 | $ 2,073,000 | $ 414,600 | $ 130,000 |
| Tampa-St. Petersburg-Clearwater, FL | 5 | $ 1,163,000 | $ 232,600 | $ 68,000 |
| Baltimore-Towson, MD | 4 | $ 1,567,000 | $ 391,750 | $ 155,000 |
| Cincinnati-Middletown, OH-KY-IN | 4 | $ 855,000 | $ 213,750 | $ 56,000 |
| Hartford-West Hartford-East Hartford, CT | 4 | $ 1,149,000 | $ 287,250 | $ 85,000 |
| Huntsville, AL | 4 | $ 424,000 | $ 106,000 | $ 30,000 |
| Jacksonville, FL | 4 | $ 648,000 | $ 162,000 | $ 74,000 |
| New Orleans-Metairie-Kenner, LA | 4 | $ 1,194,000 | $ 298,500 | $ 148,000 |
| Pine Bluff, AR | 4 | $ 394,000 | $ 98,500 | $ 40,000 |
| Sacramento--Arden-Arcade--Roseville, CA | 4 | $ 945,000 | $ 236,250 | $ 75,000 |
| Santa Ana-Anaheim-Irvine, CA | 4 | $ 1,664,000 | $ 416,000 | $ 95,000 |
| St. George, UT | 4 | $ 1,025,000 | $ 256,250 | $ 129,000 |
| Boston-Quincy, MA | 3 | $ 580,000 | $ 193,333 | $ 89,000 |
| Cambridge-Newton-Framingham, MA | 3 | $ 908,000 | $ 302,666 | $ 115,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 606,000 | $ 202,000 | $ 94,000 |
| Fort Worth-Arlington, TX | 3 | $ 447,000 | $ 149,000 | $ 51,000 |
| Houston-Baytown-Sugar Land, TX | 3 | $ 461,000 | $ 153,666 | $ 84,000 |
| Lexington-Fayette, KY | 3 | $ 576,000 | $ 192,000 | $ 80,000 |
| New York-Wayne-White Plains, NY-NJ | 3 | $ 782,000 | $ 260,666 | $ 98,000 |
| Oklahoma City, OK | 3 | $ 725,000 | $ 241,666 | $ 139,000 |
| San Diego-Carlsbad-San Marcos, CA | 3 | $ 1,481,000 | $ 493,666 | $ 115,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 3 | $ 1,028,000 | $ 342,666 | $ 82,000 |
| Springfield, MO | 3 | $ 342,000 | $ 114,000 | $ 81,000 |
| Texarkana, Tx-Texarkana, AR | 3 | $ 476,000 | $ 158,666 | $ 86,000 |
| Altoona, PA | 2 | $ 164,000 | $ 82,000 | $ 20,000 |
| Atlanta-Sandy Springs-Marietta, GA | 2 | $ 742,000 | $ 371,000 | $ 97,000 |
| Austin-Round Rock, TX | 2 | $ 575,000 | $ 287,500 | $ 193,000 |
| Camden, NJ | 2 | $ 329,000 | $ 164,500 | $ 32,000 |
| Charlotte-Gastonia-Concord, NC-SC | 2 | $ 420,000 | $ 210,000 | $ 90,000 |
| Columbus, OH | 2 | $ 279,000 | $ 139,500 | $ 70,000 |
| Dayton, OH | 2 | $ 260,000 | $ 130,000 | $ 69,000 |
| Denver-Aurora, CO | 2 | $ 521,000 | $ 260,500 | $ 79,000 |
| El Centro, CA | 2 | $ 629,000 | $ 314,500 | $ 0 |
| Gadsden, AL | 2 | $ 225,000 | $ 112,500 | $ 45,000 |
| Glens Falls, NY | 2 | $ 520,000 | $ 260,000 | $ 108,000 |
| Napa, CA | 2 | $ 811,000 | $ 405,500 | $ 122,000 |
| New Haven-Milford, CT | 2 | $ 206,000 | $ 103,000 | $ 28,000 |
| Pascagoula, MS | 2 | $ 230,000 | $ 115,000 | $ 39,000 |
| Raleigh-Cary, NC | 2 | $ 473,000 | $ 236,500 | $ 88,000 |
| Salt Lake City, UT | 2 | $ 695,000 | $ 347,500 | $ 255,000 |
| Santa Rosa-Petaluma, CA | 2 | $ 745,000 | $ 372,500 | $ 141,000 |
| Worcester, MA | 2 | $ 467,000 | $ 233,500 | $ 44,000 |
| Albuquerque, NM | 1 | $ 480,000 | $ 480,000 | $ 254,000 |
| Atlantic City, NJ | 1 | $ 143,000 | $ 143,000 | $ 98,000 |
| Beaumont-Port Arthur, TX | 1 | $ 180,000 | $ 180,000 | $ 0 |
| Bethesda-Frederick-Gaithersburg, MD | 1 | $ 171,000 | $ 171,000 | $ 72,000 |
| Birmingham-Hoover, AL | 1 | $ 145,000 | $ 145,000 | $ 18,000 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Columbia, SC | 1 | $ 285,000 | $ 285,000 | $ 104,000 |
| Detroit-Livonia-Dearborn, MI | 1 | $ 156,000 | $ 156,000 | $ 30,000 |
| Dothan, AL | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Duluth, MN-WI | 1 | $ 83,000 | $ 83,000 | $ 46,000 |
| Elmira, NY | 1 | $ 99,000 | $ 99,000 | $ 48,000 |
| Essex County, MA | 1 | $ 332,000 | $ 332,000 | $ 61,000 |
| Fargo, ND-MN | 1 | $ 79,000 | $ 79,000 | $ 30,000 |
| Fort Walton Beach-Crestview-Destin, FL | 1 | $ 186,000 | $ 186,000 | $ 63,000 |
| Gainesville, FL | 1 | $ 162,000 | $ 162,000 | $ 54,000 |
| Greeley, CO | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Gulfport-Biloxi, MS | 1 | $ 130,000 | $ 130,000 | $ 50,000 |
| Hagerstown-Martinsburg, MD-WV | 1 | $ 158,000 | $ 158,000 | $ 45,000 |
| Hanford-Corcoran, CA | 1 | $ 424,000 | $ 424,000 | $ 90,000 |
| Indianapolis, IN | 1 | $ 118,000 | $ 118,000 | $ 38,000 |
| Joplin, MO | 1 | $ 10,000 | $ 10,000 | $ 25,000 |
| Lafayette, LA | 1 | $ 154,000 | $ 154,000 | $ 64,000 |
| Lake Charles, LA | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Longview, TX | 1 | $ 136,000 | $ 136,000 | $ 63,000 |
| Manchester-Nashua, NH | 1 | $ 266,000 | $ 266,000 | $ 96,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 500,000 | $ 500,000 | $ 169,000 |
| Nassau-Suffolk, NY | 1 | $ 450,000 | $ 450,000 | $ 108,000 |
| Niles-Benton Harbor, MI | 1 | $ 94,000 | $ 94,000 | $ 50,000 |
| Norwich-New London, CT | 1 | $ 158,000 | $ 158,000 | $ 61,000 |
| Orlando, FL | 1 | $ 199,000 | $ 199,000 | $ 67,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 175,000 | $ 175,000 | $ 40,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 104,000 | $ 104,000 | $ 50,000 |
| Portland-Vancouver-Beaverton, OR-WA | 1 | $ 374,000 | $ 374,000 | $ 135,000 |
| Pueblo, CO | 1 | $ 388,000 | $ 388,000 | $ 108,000 |
| Punta Gorda, FL | 1 | $ 128,000 | $ 128,000 | $ 44,000 |
| Reading, PA | 1 | $ 176,000 | $ 176,000 | $ 73,000 |
| Richmond, VA | 1 | $ 100,000 | $ 100,000 | $ 30,000 |
| Roanoke, VA | 1 | $ 86,000 | $ 86,000 | $ 23,000 |
| Salinas, CA | 1 | $ 190,000 | $ 190,000 | $ 93,000 |
| San Antonio, TX | 1 | $ 176,000 | $ 176,000 | $ 59,000 |
| Scranton--Wilkes-Barre, PA | 1 | $ 220,000 | $ 220,000 | $ 75,000 |
| Sherman-Denison, TX | 1 | $ 96,000 | $ 96,000 | $ 37,000 |
| Stockton, CA | 1 | $ 440,000 | $ 440,000 | $ 150,000 |
| Tallahassee, FL | 1 | $ 349,000 | $ 349,000 | $ 42,000 |
| Tucson, AZ | 1 | $ 80,000 | $ 80,000 | $ 171,000 |
| Tuscaloosa, AL | 1 | $ 72,000 | $ 72,000 | $ 50,000 |
| Vallejo-Fairfield, CA | 1 | $ 100,000 | $ 100,000 | $ 161,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1 | $ 117,000 | $ 117,000 | $ 34,000 |
| Winchester, VA-WV | 1 | $ 371,000 | $ 371,000 | $ 106,000 |
| Yuma, AZ | 1 | $ 94,000 | $ 94,000 | $ 30,000 |
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.
For a list of all lenders in Arkansas, download the full spreadsheet
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