United Bank And Trust
HMDA Loan Application Totals
and Mortgage Lending Details
for 2012
United Bank And Trust 2012 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 And Trust 2723 S State St Ann Arbor, MI 48104 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,662 |
| Total Mortgage Loan Application Amount | $474,243,000 |
| Average Mortgage Loan Application Amount | $140,666 |
| Highest Mortgage Loan Application Amount | $3,375,000 |
| Average Applicant Income | $99,333 |
| Highest Applicant Income | $2,100,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2012 with United Bank And Trust. 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 And Trust's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2012 breaks down United Bank And Trust'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 And Trust serves its applicants.
Each category highlights the total number of mortgage applications processed by United Bank And Trust, 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 And Trust's mortgage activity for 2012.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washtenaw County Michigan | 1,381 | $ 291,324,000 | $ 210,000 | $ 134,000 |
| Lenawee County Michigan | 716 | $ 76,394,000 | $ 106,000 | $ 74,000 |
| Livingston County Michigan | 126 | $ 26,484,000 | $ 210,000 | $ 102,000 |
| Monroe County Michigan | 89 | $ 12,188,000 | $ 136,000 | $ 84,000 |
| Wayne County Michigan | 81 | $ 15,103,000 | $ 186,000 | $ 118,000 |
| Jackson County Michigan | 51 | $ 6,498,000 | $ 127,000 | $ 75,000 |
| Oakland County Michigan | 49 | $ 17,225,000 | $ 351,000 | $ 187,000 |
| Hillsdale County Michigan | 38 | $ 3,308,000 | $ 87,000 | $ 56,000 |
| Lucas County Ohio | 12 | $ 1,569,000 | $ 130,000 | $ 110,000 |
| Ingham County Michigan | 8 | $ 1,318,000 | $ 164,000 | $ 117,000 |
| Antrim County Michigan | 7 | $ 1,530,000 | $ 218,000 | $ 228,000 |
| Grand Traverse County Michigan | 6 | $ 1,093,000 | $ 182,000 | $ 168,000 |
| Leelanau County Michigan | 6 | $ 1,857,000 | $ 309,000 | $ 206,000 |
| Cheboygan County Michigan | 4 | $ 1,160,000 | $ 290,000 | $ 142,000 |
| Chippewa County Michigan | 4 | $ 366,000 | $ 91,000 | $ 102,000 |
| Emmet County Michigan | 4 | $ 558,000 | $ 139,000 | $ 137,000 |
| Macomb County Michigan | 4 | $ 779,000 | $ 194,000 | $ 102,000 |
| Allegan County Michigan | 3 | $ 698,000 | $ 232,000 | $ 393,000 |
| Benzie County Michigan | 3 | $ 440,000 | $ 146,000 | $ 90,000 |
| Roscommon County Michigan | 3 | $ 610,000 | $ 203,000 | $ 184,000 |
| Cook County Illinois | 2 | $ 822,000 | $ 411,000 | $ 432,000 |
| Alcona County Michigan | 2 | $ 117,000 | $ 58,000 | $ 141,000 |
| Calhoun County Michigan | 2 | $ 267,000 | $ 133,000 | $ 159,000 |
| Charlevoix County Michigan | 2 | $ 771,000 | $ 385,000 | $ 159,000 |
| Huron County Michigan | 2 | $ 403,000 | $ 201,000 | $ 80,000 |
| Kalamazoo County Michigan | 2 | $ 248,000 | $ 124,000 | $ 31,000 |
| Kent County Michigan | 2 | $ 301,000 | $ 150,000 | $ 135,000 |
| Manistee County Michigan | 2 | $ 382,000 | $ 191,000 | $ 117,000 |
| Montmorency County Michigan | 2 | $ 256,000 | $ 128,000 | $ 107,000 |
| Oceana County Michigan | 2 | $ 362,000 | $ 181,000 | $ 169,000 |
| St. Clair County Michigan | 2 | $ 223,000 | $ 111,000 | $ 70,000 |
| Hennepin County Minnesota | 2 | $ 548,000 | $ 274,000 | $ 195,000 |
| Maricopa County Arizona | 1 | $ 394,000 | $ 394,000 | $ 390,000 |
| Santa Cruz County Arizona | 1 | $ 220,000 | $ 220,000 | $ 312,000 |
| Yavapai County Arizona | 1 | $ 224,000 | $ 224,000 | $ 118,000 |
| Yuma County Arizona | 1 | $ 84,000 | $ 84,000 | $ 130,000 |
| Los Angeles County California | 1 | $ 460,000 | $ 460,000 | $ 103,000 |
| San Bernardino County California | 1 | $ 296,000 | $ 296,000 | $ 430,000 |
| Hartford County Connecticut | 1 | $ 417,000 | $ 417,000 | $ 248,000 |
| Charlotte County Florida | 1 | $ 145,000 | $ 145,000 | $ 79,000 |
| Collier County Florida | 1 | $ 399,000 | $ 399,000 | $ 307,000 |
| Indian River County Florida | 1 | $ 491,000 | $ 491,000 | $ 139,000 |
| Pinellas County Florida | 1 | $ 68,000 | $ 68,000 | $ 159,000 |
| Sarasota County Florida | 1 | $ 350,000 | $ 350,000 | $ 691,000 |
| Teton County Idaho | 1 | $ 403,000 | $ 403,000 | $ 156,000 |
| Jefferson County Kentucky | 1 | $ 212,000 | $ 212,000 | $ 92,000 |
| Alpena County Michigan | 1 | $ 75,000 | $ 75,000 | $ 146,000 |
| Arenac County Michigan | 1 | $ 128,000 | $ 128,000 | $ 188,000 |
| Barry County Michigan | 1 | $ 124,000 | $ 124,000 | $ 98,000 |
| Berrien County Michigan | 1 | $ 960,000 | $ 960,000 | $ 108,000 |
| Branch County Michigan | 1 | $ 136,000 | $ 136,000 | $ 137,000 |
| Crawford County Michigan | 1 | $ 146,000 | $ 146,000 | $ 121,000 |
| Genesee County Michigan | 1 | $ 206,000 | $ 206,000 | $ 143,000 |
| Gladwin County Michigan | 1 | $ 69,000 | $ 69,000 | $ 147,000 |
| Kalkaska County Michigan | 1 | $ 117,000 | $ 117,000 | $ 212,000 |
| Luce County Michigan | 1 | $ 108,000 | $ 108,000 | $ 109,000 |
| Missaukee County Michigan | 1 | $ 32,000 | $ 32,000 | $ 82,000 |
| Ogemaw County Michigan | 1 | $ 62,000 | $ 62,000 | $ 48,000 |
| Ottawa County Michigan | 1 | $ 122,000 | $ 122,000 | $ 46,000 |
| Presque Isle County Michigan | 1 | $ 107,000 | $ 107,000 | $ 56,000 |
| Saginaw County Michigan | 1 | $ 64,000 | $ 64,000 | $ 59,000 |
| Van Buren County Michigan | 1 | $ 109,000 | $ 109,000 | $ 128,000 |
| Cook County Minnesota | 1 | $ 228,000 | $ 228,000 | $ 302,000 |
| Dakota County Minnesota | 1 | $ 232,000 | $ 232,000 | $ 193,000 |
| Yellowstone County Montana | 1 | $ 143,000 | $ 143,000 | $ 62,000 |
| Cuyahoga County Ohio | 1 | $ 332,000 | $ 332,000 | $ 141,000 |
| Franklin County Ohio | 1 | $ 126,000 | $ 126,000 | $ 62,000 |
| Fulton County Ohio | 1 | $ 100,000 | $ 100,000 | $ 65,000 |
| Summit County Ohio | 1 | $ 61,000 | $ 61,000 | $ 105,000 |
| Wood County Ohio | 1 | $ 80,000 | $ 80,000 | $ 179,000 |
| Lancaster County Pennsylvania | 1 | $ 240,000 | $ 240,000 | $ 133,000 |
| Cameron County Texas | 1 | $ 160,000 | $ 160,000 | $ 0 |
| Harris County Texas | 1 | $ 112,000 | $ 112,000 | $ 87,000 |
| Clark County Washington | 1 | $ 340,000 | $ 340,000 | $ 210,000 |
| Pepin County Wisconsin | 1 | $ 159,000 | $ 159,000 | $ 280,000 |
Mortgage Loan Application Detail Totals for United Bank And Trust in 2012
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,665 | $307,514,000 | $184,000 | $3,375,000 | $117,000 | $1,992,000 |
| Home Purchase | 935 | $162,726,000 | $174,000 | $1,180,000 | $111,000 | $2,100,000 |
| Home Improvement | 62 | $4,003,000 | $64,000 | $628,000 | $70,000 | $347,000 |
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 | 2,487 | $436,833,000 | $175,000 | $3,375,000 | $116,000 | $2,100,000 |
| Not applicable | 53 | $15,069,000 | $284,000 | $1,554,000 | $0 | $0 |
| Asian | 52 | $12,597,000 | $242,000 | $1,035,000 | $146,000 | $503,000 |
| Hispanic | 43 | $5,654,000 | $131,000 | $417,000 | $94,000 | $695,000 |
| Black or African American | 24 | $3,585,000 | $149,000 | $417,000 | $106,000 | $318,000 |
| Not Provided | 2 | $480,000 | $240,000 | $280,000 | $110,000 | $111,000 |
| American Indian or Alaskan Native | 1 | $25,000 | $25,000 | $25,000 | $97,000 | $97,000 |
| 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) | 2,389 | $441,194,000 | $184,000 | $3,375,000 | $120,000 | $2,100,000 |
| FHA-insured (Federal Housing Administration) | 145 | $19,436,000 | $134,000 | $308,000 | $68,000 | $155,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 128 | $13,613,000 | $106,000 | $265,000 | $49,000 | $108,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 2,331 | $419,965,000 | $180,000 | $3,349,000 | $117,000 | $2,100,000 |
| Application Denied By Financial Institution | 247 | $40,421,000 | $163,000 | $3,375,000 | $94,000 | $1,412,000 |
| Application Withdrawn By Applicant | 52 | $9,324,000 | $179,000 | $1,554,000 | $96,000 | $630,000 |
| Application Approved But Not Accepted | 28 | $3,787,000 | $135,000 | $324,000 | $108,000 | $527,000 |
| File Closed For Incompleteness | 4 | $746,000 | $186,000 | $260,000 | $126,000 | $176,000 |
| Loan Purchased By The Institution | 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 |
|---|---|---|---|---|---|---|
| Collateral | 135 | $25,186,000 | $186,000 | $3,375,000 | $107,000 | $1,412,000 |
| Other | 32 | $4,013,000 | $125,000 | $202,000 | $82,000 | $425,000 |
| Credit Application Incomplete | 22 | $4,681,000 | $212,000 | $701,000 | $103,000 | $286,000 |
| Debt-To-Income Ratio | 20 | $3,551,000 | $177,000 | $396,000 | $59,000 | $274,000 |
| Credit History | 11 | $983,000 | $89,000 | $180,000 | $51,000 | $99,000 |
| Employment History | 5 | $824,000 | $164,000 | $335,000 | $76,000 | $120,000 |
| Unverifiable Information | 3 | $593,000 | $197,000 | $270,000 | $220,000 | $406,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $59,000 | $59,000 | $59,000 | $29,000 | $29,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank And Trust's 2012 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 And Trust'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 Michigan, download the full spreadsheet
with aggregated HMDA statistics today.