United Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
United Bank 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 11185 Fairfax Blvd Fairfax, VA 22030 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 817 |
| Total Mortgage Loan Application Amount | $629,504,000 |
| Average Mortgage Loan Application Amount | $681,000 |
| Highest Mortgage Loan Application Amount | $60,000,000 |
| Average Applicant Income | $163,000 |
| Highest Applicant Income | $2,187,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fairfax County Virginia | 127 | $ 62,542,000 | $ 492,000 | $ 155,000 |
| District of Columbia County District Of Columbia | 98 | $ 266,573,000 | $ 2,720,000 | $ 187,000 |
| Montgomery County Maryland | 78 | $ 96,107,000 | $ 1,232,000 | $ 152,000 |
| Arlington County Virginia | 68 | $ 44,029,000 | $ 647,000 | $ 165,000 |
| Loudoun County Virginia | 48 | $ 22,667,000 | $ 472,000 | $ 131,000 |
| Prince William County Virginia | 39 | $ 14,821,000 | $ 380,000 | $ 113,000 |
| Rockingham County Virginia | 30 | $ 5,469,000 | $ 182,000 | $ 45,000 |
| Frederick County Virginia | 26 | $ 14,012,000 | $ 538,000 | $ 116,000 |
| Albemarle County Virginia | 25 | $ 9,908,000 | $ 396,000 | $ 171,000 |
| Prince George's County Maryland | 22 | $ 4,874,000 | $ 221,000 | $ 138,000 |
| Berkeley County West Virginia | 22 | $ 3,118,000 | $ 141,000 | $ 35,000 |
| Warren County Virginia | 21 | $ 4,312,000 | $ 205,000 | $ 63,000 |
| Alexandria County Virginia | 18 | $ 11,224,000 | $ 623,000 | $ 193,000 |
| Charlottesville County Virginia | 18 | $ 2,499,000 | $ 138,000 | $ 65,000 |
| Shenandoah County Virginia | 12 | $ 2,375,000 | $ 197,000 | $ 55,000 |
| Winchester County Virginia | 11 | $ 5,147,000 | $ 467,000 | $ 80,000 |
| Howard County Maryland | 10 | $ 2,718,000 | $ 271,000 | $ 26,000 |
| Augusta County Virginia | 10 | $ 1,662,000 | $ 166,000 | $ 78,000 |
| Harrisonburg County Virginia | 10 | $ 4,022,000 | $ 402,000 | $ 119,000 |
| Anne Arundel County Maryland | 9 | $ 2,881,000 | $ 320,000 | $ 157,000 |
| Charles County Maryland | 7 | $ 611,000 | $ 87,000 | $ 0 |
| Fairfax City County Virginia | 7 | $ 6,597,000 | $ 942,000 | $ 134,000 |
| Greene County Virginia | 7 | $ 1,305,000 | $ 186,000 | $ 101,000 |
| Sussex County Delaware | 5 | $ 2,541,000 | $ 508,000 | $ 373,000 |
| Baltimore County Maryland | 5 | $ 2,238,000 | $ 447,000 | $ 110,000 |
| Frederick County Maryland | 5 | $ 1,866,000 | $ 373,000 | $ 129,000 |
| Worcester County Maryland | 4 | $ 2,869,000 | $ 717,000 | $ 469,000 |
| Falls Church County Virginia | 4 | $ 2,996,000 | $ 749,000 | $ 255,000 |
| Spotsylvania County Virginia | 4 | $ 3,037,000 | $ 759,000 | $ 316,000 |
| Stafford County Virginia | 4 | $ 1,031,000 | $ 257,000 | $ 72,000 |
| Waynesboro County Virginia | 4 | $ 424,000 | $ 106,000 | $ 148,000 |
| Clarke County Virginia | 3 | $ 1,866,000 | $ 622,000 | $ 157,000 |
| Fluvanna County Virginia | 3 | $ 631,000 | $ 210,000 | $ 66,000 |
| Richmond City County Virginia | 3 | $ 473,000 | $ 157,000 | $ 57,000 |
| Staunton County Virginia | 3 | $ 3,037,000 | $ 1,012,000 | $ 25,000 |
| Palm Beach County Florida | 2 | $ 650,000 | $ 325,000 | $ 169,000 |
| Carroll County Maryland | 2 | $ 1,265,000 | $ 632,000 | $ 100,000 |
| Talbot County Maryland | 2 | $ 1,162,000 | $ 581,000 | $ 233,000 |
| Fauquier County Virginia | 2 | $ 1,521,000 | $ 760,000 | $ 1,105,000 |
| Franklin County Virginia | 2 | $ 974,000 | $ 487,000 | $ 212,000 |
| Louisa County Virginia | 2 | $ 1,063,000 | $ 531,000 | $ 175,000 |
| Nelson County Virginia | 2 | $ 190,000 | $ 95,000 | $ 47,000 |
| Rappahannock County Virginia | 2 | $ 431,000 | $ 215,000 | $ 65,000 |
| Westmoreland County Virginia | 2 | $ 535,000 | $ 267,000 | $ 104,000 |
| Jefferson County West Virginia | 2 | $ 849,000 | $ 424,000 | $ 0 |
| Garrett County Maryland | 1 | $ 500,000 | $ 500,000 | $ 0 |
| Queen Anne's County Maryland | 1 | $ 387,000 | $ 387,000 | $ 122,000 |
| New York County New York | 1 | $ 2,125,000 | $ 2,125,000 | $ 2,175,000 |
| Dare County North Carolina | 1 | $ 88,000 | $ 88,000 | $ 123,000 |
| Allegheny County Pennsylvania | 1 | $ 335,000 | $ 335,000 | $ 210,000 |
| Salt Lake County Utah | 1 | $ 190,000 | $ 190,000 | $ 42,000 |
| Amherst County Virginia | 1 | $ 160,000 | $ 160,000 | $ 36,000 |
| Chesterfield County Virginia | 1 | $ 311,000 | $ 311,000 | $ 150,000 |
| Floyd County Virginia | 1 | $ 5,000 | $ 5,000 | $ 28,000 |
| Fredericksburg County Virginia | 1 | $ 286,000 | $ 286,000 | $ 82,000 |
| Hanover County Virginia | 1 | $ 5,000 | $ 5,000 | $ 47,000 |
| Henrico County Virginia | 1 | $ 752,000 | $ 752,000 | $ 332,000 |
| King William County Virginia | 1 | $ 220,000 | $ 220,000 | $ 130,000 |
| Norfolk County Virginia | 1 | $ 8,000 | $ 8,000 | $ 25,000 |
| Virginia Beach County Virginia | 1 | $ 461,000 | $ 461,000 | $ 0 |
| Benton County Washington | 1 | $ 292,000 | $ 292,000 | $ 295,000 |
| Harrison County West Virginia | 1 | $ 61,000 | $ 61,000 | $ 53,000 |
Mortgage Loan Application Detail Totals for United Bank 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 | 425 | $476,928,000 | $1,122,000 | $60,000,000 | $135,000 | $2,175,000 |
| Refinancing | 358 | $133,977,000 | $374,000 | $2,840,000 | $142,000 | $2,094,000 |
| Home Improvement | 34 | $18,599,000 | $547,000 | $3,000,000 | $212,000 | $2,187,000 |
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 | 418 | $184,491,000 | $441,000 | $3,000,000 | $201,000 | $2,187,000 |
| Not applicable | 190 | $370,848,000 | $1,951,000 | $60,000,000 | $0 | $0 |
| Not Provided | 92 | $28,623,000 | $311,000 | $2,500,000 | $149,000 | $1,115,000 |
| Asian | 50 | $22,061,000 | $441,000 | $1,417,000 | $161,000 | $641,000 |
| Hispanic | 35 | $12,447,000 | $355,000 | $1,210,000 | $122,000 | $319,000 |
| Black or African American | 27 | $9,622,000 | $356,000 | $1,170,000 | $154,000 | $590,000 |
| Native Hawaiin or Other Pacific Islander | 3 | $1,042,000 | $347,000 | $450,000 | $156,000 | $242,000 |
| American Indian or Alaskan Native | 2 | $370,000 | $185,000 | $267,000 | $287,000 | $427,000 |
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) | 787 | $621,777,000 | $790,000 | $60,000,000 | $143,000 | $2,187,000 |
| FHA-insured (Federal Housing Administration) | 17 | $4,308,000 | $253,000 | $608,000 | $84,000 | $235,000 |
| VA-guaranteed (Veterans Administration) | 9 | $2,731,000 | $303,000 | $502,000 | $85,000 | $450,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 4 | $688,000 | $172,000 | $226,000 | $53,000 | $65,000 |
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 | 626 | $569,090,000 | $909,000 | $60,000,000 | $144,000 | $2,187,000 |
| Loan Purchased By The Institution | 104 | $26,592,000 | $255,000 | $1,165,000 | $95,000 | $471,000 |
| Application Denied By Financial Institution | 38 | $15,514,000 | $408,000 | $2,125,000 | $168,000 | $2,175,000 |
| Application Withdrawn By Applicant | 21 | $9,073,000 | $432,000 | $1,863,000 | $234,000 | $1,255,000 |
| Application Approved But Not Accepted | 18 | $7,039,000 | $391,000 | $1,500,000 | $171,000 | $541,000 |
| Preapproval Denied by Financial Institution | 6 | $630,000 | $105,000 | $173,000 | $52,000 | $73,000 |
| Preapproval Approved but not Accepted | 4 | $1,566,000 | $391,000 | $531,000 | $181,000 | $267,000 |
| 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 | 10 | $1,583,000 | $158,000 | $350,000 | $55,000 | $171,000 |
| Debt-To-Income Ratio | 10 | $2,742,000 | $274,000 | $1,210,000 | $64,000 | $198,000 |
| Collateral | 9 | $2,731,000 | $303,000 | $756,000 | $152,000 | $428,000 |
| Credit Application Incomplete | 8 | $3,806,000 | $475,000 | $1,620,000 | $159,000 | $504,000 |
| Other | 7 | $5,282,000 | $754,000 | $2,125,000 | $412,000 | $2,175,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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'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'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 Virginia, download the full spreadsheet
with aggregated HMDA statistics today.