United Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
United Bank 2018 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 | 4,406 |
| Total Mortgage Loan Application Amount | $1,408,490,000 |
| Average Mortgage Loan Application Amount | $247,000 |
| Highest Mortgage Loan Application Amount | $25,915,000 |
| Average Applicant Income | $152,800 |
| Highest Applicant Income | $4,494,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 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 2018 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 2018.
| 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 | 475 | $ 193,465,000 | $ 407,000 | $ 205,000 |
| Montgomery County Maryland | 236 | $ 134,560,000 | $ 570,000 | $ 220,000 |
| District of Columbia County District Of Columbia | 232 | $ 162,380,000 | $ 699,000 | $ 255,000 |
| Monongalia County West Virginia | 225 | $ 43,635,000 | $ 193,000 | $ 150,000 |
| Kanawha County West Virginia | 214 | $ 38,060,000 | $ 177,000 | $ 144,000 |
| Loudoun County Virginia | 150 | $ 52,780,000 | $ 351,000 | $ 248,000 |
| Berkeley County West Virginia | 140 | $ 20,290,000 | $ 144,000 | $ 103,000 |
| Prince William County Virginia | 124 | $ 31,880,000 | $ 257,000 | $ 140,000 |
| Wood County West Virginia | 103 | $ 18,115,000 | $ 175,000 | $ 104,000 |
| Arlington County Virginia | 99 | $ 67,735,000 | $ 684,000 | $ 277,000 |
| Raleigh County West Virginia | 99 | $ 13,785,000 | $ 139,000 | $ 103,000 |
| Fayette County Pennsylvania | 80 | $ 9,120,000 | $ 114,000 | $ 68,000 |
| Washington County Maryland | 72 | $ 13,210,000 | $ 183,000 | $ 159,000 |
| Cabell County West Virginia | 69 | $ 18,705,000 | $ 271,000 | $ 165,000 |
| Alexandria County Virginia | 65 | $ 26,005,000 | $ 400,000 | $ 209,000 |
| Ohio County West Virginia | 62 | $ 6,240,000 | $ 100,000 | $ 73,000 |
| Putnam County West Virginia | 57 | $ 12,755,000 | $ 223,000 | $ 133,000 |
| Jefferson County West Virginia | 53 | $ 12,435,000 | $ 234,000 | $ 174,000 |
| Frederick County Virginia | 51 | $ 8,585,000 | $ 168,000 | $ 101,000 |
| Rockingham County Virginia | 51 | $ 34,515,000 | $ 676,000 | $ 140,000 |
| Chesterfield County Virginia | 50 | $ 20,690,000 | $ 413,000 | $ 175,000 |
| Fayette County West Virginia | 44 | $ 6,500,000 | $ 147,000 | $ 62,000 |
| Jackson County West Virginia | 43 | $ 4,315,000 | $ 100,000 | $ 79,000 |
| Anne Arundel County Maryland | 41 | $ 22,205,000 | $ 541,000 | $ 257,000 |
| Beaufort County South Carolina | 38 | $ 19,440,000 | $ 511,000 | $ 276,000 |
| Henrico County Virginia | 38 | $ 14,140,000 | $ 372,000 | $ 170,000 |
| Spotsylvania County Virginia | 35 | $ 8,145,000 | $ 232,000 | $ 155,000 |
| Stafford County Virginia | 34 | $ 6,860,000 | $ 201,000 | $ 117,000 |
| Wayne County West Virginia | 32 | $ 3,040,000 | $ 95,000 | $ 73,000 |
| Marshall County West Virginia | 30 | $ 2,390,000 | $ 79,000 | $ 66,000 |
| Baltimore County Maryland | 27 | $ 12,455,000 | $ 461,000 | $ 256,000 |
| Warren County Virginia | 26 | $ 3,240,000 | $ 124,000 | $ 95,000 |
| Baltimore City County Maryland | 24 | $ 26,670,000 | $ 1,111,000 | $ 129,000 |
| Howard County Maryland | 24 | $ 11,440,000 | $ 476,000 | $ 171,000 |
| Frederick County Maryland | 23 | $ 9,165,000 | $ 398,000 | $ 233,000 |
| Belmont County Ohio | 23 | $ 2,385,000 | $ 103,000 | $ 69,000 |
| Mecklenburg County North Carolina | 22 | $ 10,930,000 | $ 496,000 | $ 195,000 |
| Augusta County Virginia | 22 | $ 2,530,000 | $ 115,000 | $ 153,000 |
| Fauquier County Virginia | 22 | $ 6,870,000 | $ 312,000 | $ 187,000 |
| Lawrence County Ohio | 21 | $ 3,625,000 | $ 172,000 | $ 124,000 |
| Nicholas County West Virginia | 21 | $ 2,955,000 | $ 140,000 | $ 74,000 |
| Albemarle County Virginia | 20 | $ 5,600,000 | $ 280,000 | $ 159,000 |
| Prince George's County Maryland | 19 | $ 6,665,000 | $ 350,000 | $ 141,000 |
| Winchester County Virginia | 17 | $ 4,675,000 | $ 275,000 | $ 128,000 |
| Hancock County West Virginia | 17 | $ 995,000 | $ 58,000 | $ 52,000 |
| Lewis County West Virginia | 17 | $ 1,295,000 | $ 76,000 | $ 104,000 |
| Logan County West Virginia | 17 | $ 1,045,000 | $ 61,000 | $ 51,000 |
| Webster County West Virginia | 17 | $ 1,295,000 | $ 76,000 | $ 51,000 |
| Washington County Ohio | 16 | $ 3,380,000 | $ 211,000 | $ 189,000 |
| Harrisonburg County Virginia | 16 | $ 4,750,000 | $ 296,000 | $ 136,000 |
| Falls Church County Virginia | 15 | $ 9,405,000 | $ 627,000 | $ 244,000 |
| Harrison County West Virginia | 15 | $ 2,365,000 | $ 157,000 | $ 145,000 |
| Harford County Maryland | 14 | $ 5,150,000 | $ 367,000 | $ 127,000 |
| Richmond City County Virginia | 14 | $ 5,500,000 | $ 392,000 | $ 166,000 |
| Sussex County Delaware | 13 | $ 8,785,000 | $ 675,000 | $ 339,000 |
| Wake County North Carolina | 13 | $ 6,075,000 | $ 467,000 | $ 166,000 |
| Charlottesville County Virginia | 13 | $ 23,005,000 | $ 1,769,000 | $ 98,000 |
| Manassas County Virginia | 13 | $ 2,675,000 | $ 205,000 | $ 103,000 |
| Virginia Beach County Virginia | 13 | $ 6,565,000 | $ 505,000 | $ 180,000 |
| Brooke County West Virginia | 13 | $ 1,065,000 | $ 81,000 | $ 75,000 |
| Boone County West Virginia | 12 | $ 1,010,000 | $ 84,000 | $ 60,000 |
| Franklin County Pennsylvania | 11 | $ 2,385,000 | $ 216,000 | $ 120,000 |
| Fredericksburg County Virginia | 11 | $ 3,155,000 | $ 286,000 | $ 208,000 |
| Hanover County Virginia | 11 | $ 2,905,000 | $ 264,000 | $ 116,000 |
| Shenandoah County Virginia | 11 | $ 515,000 | $ 46,000 | $ 82,000 |
| Braxton County West Virginia | 11 | $ 935,000 | $ 85,000 | $ 76,000 |
| Greenbrier County West Virginia | 11 | $ 6,595,000 | $ 599,000 | $ 435,000 |
| Marion County West Virginia | 11 | $ 1,565,000 | $ 142,000 | $ 78,000 |
| Preston County West Virginia | 11 | $ 1,555,000 | $ 141,000 | $ 98,000 |
| Catawba County North Carolina | 10 | $ 3,380,000 | $ 338,000 | $ 104,000 |
| Stark County Ohio | 10 | $ 150,000 | $ 15,000 | $ 47,000 |
| James City County Virginia | 10 | $ 3,660,000 | $ 366,000 | $ 155,000 |
| Jefferson County Ohio | 9 | $ 605,000 | $ 67,000 | $ 40,000 |
| Manassas Park County Virginia | 9 | $ 1,465,000 | $ 162,000 | $ 70,000 |
| Gilmer County West Virginia | 9 | $ 685,000 | $ 76,000 | $ 70,000 |
| Greene County Virginia | 8 | $ 810,000 | $ 101,000 | $ 90,000 |
| Allegheny County Pennsylvania | 7 | $ 605,000 | $ 86,000 | $ 107,000 |
| Charleston County South Carolina | 7 | $ 3,125,000 | $ 446,000 | $ 299,000 |
| Fairfax City County Virginia | 7 | $ 1,895,000 | $ 270,000 | $ 134,000 |
| Lincoln County West Virginia | 7 | $ 805,000 | $ 115,000 | $ 84,000 |
| Caldwell County North Carolina | 6 | $ 1,900,000 | $ 316,000 | $ 192,000 |
| Chesapeake County Virginia | 6 | $ 2,470,000 | $ 411,000 | $ 164,000 |
| Powhatan County Virginia | 6 | $ 1,650,000 | $ 275,000 | $ 120,000 |
| Summers County West Virginia | 6 | $ 310,000 | $ 51,000 | $ 52,000 |
| Collier County Florida | 5 | $ 2,645,000 | $ 529,000 | $ 454,000 |
| Palm Beach County Florida | 5 | $ 1,695,000 | $ 339,000 | $ 633,000 |
| Queen Anne's County Maryland | 5 | $ 2,455,000 | $ 491,000 | $ 330,000 |
| Greene County Pennsylvania | 5 | $ 575,000 | $ 115,000 | $ 109,000 |
| Washington County Pennsylvania | 5 | $ 3,055,000 | $ 611,000 | $ 371,000 |
| Staunton County Virginia | 5 | $ 625,000 | $ 125,000 | $ 75,000 |
| Portage County Ohio | 4 | $ 70,000 | $ 17,000 | $ 78,000 |
| Westmoreland County Pennsylvania | 4 | $ 340,000 | $ 85,000 | $ 89,000 |
| Isle of Wight County Virginia | 4 | $ 540,000 | $ 135,000 | $ 19,000 |
| Lee County Florida | 3 | $ 1,175,000 | $ 391,000 | $ 246,000 |
| Volusia County Florida | 3 | $ 775,000 | $ 258,000 | $ 131,000 |
| Boyd County Kentucky | 3 | $ 185,000 | $ 61,000 | $ 172,000 |
| Jefferson County Kentucky | 3 | $ 1,685,000 | $ 561,000 | $ 0 |
| Carroll County Maryland | 3 | $ 935,000 | $ 311,000 | $ 158,000 |
| Garrett County Maryland | 3 | $ 1,465,000 | $ 488,000 | $ 315,000 |
| Dare County North Carolina | 3 | $ 1,155,000 | $ 385,000 | $ 293,000 |
| Gaston County North Carolina | 3 | $ 1,135,000 | $ 378,000 | $ 197,000 |
| Iredell County North Carolina | 3 | $ 1,165,000 | $ 388,000 | $ 263,000 |
| Johnston County North Carolina | 3 | $ 505,000 | $ 168,000 | $ 80,000 |
| Union County North Carolina | 3 | $ 1,575,000 | $ 525,000 | $ 196,000 |
| Cuyahoga County Ohio | 3 | $ 155,000 | $ 51,000 | $ 75,000 |
| Butler County Pennsylvania | 3 | $ 1,105,000 | $ 368,000 | $ 167,000 |
| Horry County South Carolina | 3 | $ 775,000 | $ 258,000 | $ 163,000 |
| Clarke County Virginia | 3 | $ 215,000 | $ 71,000 | $ 151,000 |
| Goochland County Virginia | 3 | $ 2,725,000 | $ 908,000 | $ 344,000 |
| Louisa County Virginia | 3 | $ 805,000 | $ 268,000 | $ 241,000 |
| Waynesboro County Virginia | 3 | $ 865,000 | $ 288,000 | $ 133,000 |
| Calhoun County West Virginia | 3 | $ 395,000 | $ 131,000 | $ 155,000 |
| Mason County West Virginia | 3 | $ 425,000 | $ 141,000 | $ 87,000 |
| Morgan County West Virginia | 3 | $ 585,000 | $ 195,000 | $ 85,000 |
| Upshur County West Virginia | 3 | $ 315,000 | $ 105,000 | $ 76,000 |
| Miami-Dade County Florida | 2 | $ 1,320,000 | $ 660,000 | $ 782,000 |
| St. Johns County Florida | 2 | $ 460,000 | $ 230,000 | $ 173,000 |
| Greenup County Kentucky | 2 | $ 690,000 | $ 345,000 | $ 131,000 |
| Calvert County Maryland | 2 | $ 1,930,000 | $ 965,000 | $ 535,000 |
| Dutchess County New York | 2 | $ 50,000 | $ 25,000 | $ 47,000 |
| Alexander County North Carolina | 2 | $ 990,000 | $ 495,000 | $ 140,000 |
| Brunswick County North Carolina | 2 | $ 530,000 | $ 265,000 | $ 202,000 |
| Davidson County North Carolina | 2 | $ 890,000 | $ 445,000 | $ 294,000 |
| Lincoln County North Carolina | 2 | $ 350,000 | $ 175,000 | $ 92,000 |
| Clermont County Ohio | 2 | $ 160,000 | $ 80,000 | $ 109,000 |
| Franklin County Ohio | 2 | $ 60,000 | $ 30,000 | $ 112,000 |
| Harrison County Ohio | 2 | $ 270,000 | $ 135,000 | $ 141,000 |
| Richland County Ohio | 2 | $ 180,000 | $ 90,000 | $ 88,000 |
| Wayne County Ohio | 2 | $ 20,000 | $ 10,000 | $ 45,000 |
| Armstrong County Pennsylvania | 2 | $ 30,000 | $ 15,000 | $ 32,000 |
| Centre County Pennsylvania | 2 | $ 610,000 | $ 305,000 | $ 253,000 |
| Greenville County South Carolina | 2 | $ 920,000 | $ 460,000 | $ 268,000 |
| Bedford County Virginia | 2 | $ 780,000 | $ 390,000 | $ 453,000 |
| Fluvanna County Virginia | 2 | $ 450,000 | $ 225,000 | $ 258,000 |
| King George County Virginia | 2 | $ 1,160,000 | $ 580,000 | $ 409,000 |
| Norfolk County Virginia | 2 | $ 830,000 | $ 415,000 | $ 215,000 |
| Northumberland County Virginia | 2 | $ 700,000 | $ 350,000 | $ 154,000 |
| Orange County Virginia | 2 | $ 90,000 | $ 45,000 | $ 182,000 |
| Page County Virginia | 2 | $ 130,000 | $ 65,000 | $ 92,000 |
| Williamsburg County Virginia | 2 | $ 1,200,000 | $ 600,000 | $ 349,000 |
| Pleasants County West Virginia | 2 | $ 550,000 | $ 275,000 | $ 105,000 |
| Pocahontas County West Virginia | 2 | $ 110,000 | $ 55,000 | $ 49,000 |
| Roane County West Virginia | 2 | $ 280,000 | $ 140,000 | $ 106,000 |
| Tucker County West Virginia | 2 | $ 260,000 | $ 130,000 | $ 268,000 |
| Wirt County West Virginia | 2 | $ 100,000 | $ 50,000 | $ 32,000 |
| New Castle County Delaware | 1 | $ 985,000 | $ 985,000 | $ 999,000 |
| Bay County Florida | 1 | $ 395,000 | $ 395,000 | $ 528,000 |
| Indian River County Florida | 1 | $ 2,195,000 | $ 2,195,000 | $ 1,126,000 |
| Manatee County Florida | 1 | $ 605,000 | $ 605,000 | $ 1,300,000 |
| Putnam County Florida | 1 | $ 75,000 | $ 75,000 | $ 103,000 |
| Walton County Florida | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| DeKalb County Georgia | 1 | $ 465,000 | $ 465,000 | $ 150,000 |
| Fayette County Kentucky | 1 | $ 7,905,000 | $ 7,905,000 | $ 0 |
| Mason County Kentucky | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Caddo County Louisiana | 1 | $ 195,000 | $ 195,000 | $ 450,000 |
| Allegany County Maryland | 1 | $ 715,000 | $ 715,000 | $ 244,000 |
| Cecil County Maryland | 1 | $ 335,000 | $ 335,000 | $ 0 |
| St. Mary's County Maryland | 1 | $ 5,000 | $ 5,000 | $ 104,000 |
| Talbot County Maryland | 1 | $ 235,000 | $ 235,000 | $ 71,000 |
| Bergen County New Jersey | 1 | $ 255,000 | $ 255,000 | $ 62,000 |
| Allegany County New York | 1 | $ 25,000 | $ 25,000 | $ 61,000 |
| Onondaga County New York | 1 | $ 25,000 | $ 25,000 | $ 126,000 |
| Queens County New York | 1 | $ 15,000 | $ 15,000 | $ 66,000 |
| Alleghany County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 63,000 |
| Avery County North Carolina | 1 | $ 625,000 | $ 625,000 | $ 170,000 |
| Burke County North Carolina | 1 | $ 345,000 | $ 345,000 | $ 170,000 |
| Carteret County North Carolina | 1 | $ 205,000 | $ 205,000 | $ 0 |
| Chatham County North Carolina | 1 | $ 635,000 | $ 635,000 | $ 224,000 |
| Davie County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 93,000 |
| Durham County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 99,000 |
| Forsyth County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 104,000 |
| Guilford County North Carolina | 1 | $ 315,000 | $ 315,000 | $ 116,000 |
| Hoke County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Macon County North Carolina | 1 | $ 955,000 | $ 955,000 | $ 343,000 |
| Northampton County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 90,000 |
| Rutherford County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 130,000 |
| Guernsey County Ohio | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Hamilton County Ohio | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lorain County Ohio | 1 | $ 45,000 | $ 45,000 | $ 22,000 |
| Mahoning County Ohio | 1 | $ 5,000 | $ 5,000 | $ 43,000 |
| Medina County Ohio | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Monroe County Ohio | 1 | $ 415,000 | $ 415,000 | $ 141,000 |
| Summit County Ohio | 1 | $ 115,000 | $ 115,000 | $ 71,000 |
| Cumberland County Pennsylvania | 1 | $ 275,000 | $ 275,000 | $ 55,000 |
| Delaware County Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 177,000 |
| Erie County Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 248,000 |
| Fulton County Pennsylvania | 1 | $ 485,000 | $ 485,000 | $ 207,000 |
| Lancaster County Pennsylvania | 1 | $ 15,000 | $ 15,000 | $ 131,000 |
| Philadelphia County Pennsylvania | 1 | $ 455,000 | $ 455,000 | $ 120,000 |
| Somerset County Pennsylvania | 1 | $ 185,000 | $ 185,000 | $ 86,000 |
| Berkeley County South Carolina | 1 | $ 805,000 | $ 805,000 | $ 237,000 |
| Dorchester County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 140,000 |
| Georgetown County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Lexington County South Carolina | 1 | $ 195,000 | $ 195,000 | $ 89,000 |
| Richland County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 254,000 |
| York County South Carolina | 1 | $ 395,000 | $ 395,000 | $ 87,000 |
| Jefferson County Tennessee | 1 | $ 315,000 | $ 315,000 | $ 300,000 |
| Loudon County Tennessee | 1 | $ 625,000 | $ 625,000 | $ 288,000 |
| Harris County Texas | 1 | $ 1,135,000 | $ 1,135,000 | $ 450,000 |
| Alleghany County Virginia | 1 | $ 45,000 | $ 45,000 | $ 0 |
| Amelia County Virginia | 1 | $ 475,000 | $ 475,000 | $ 167,000 |
| Bland County Virginia | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Brunswick County Virginia | 1 | $ 145,000 | $ 145,000 | $ 251,000 |
| Buckingham County Virginia | 1 | $ 5,000 | $ 5,000 | $ 30,000 |
| Carroll County Virginia | 1 | $ 25,000 | $ 25,000 | $ 54,000 |
| Culpeper County Virginia | 1 | $ 225,000 | $ 225,000 | $ 53,000 |
| Essex County Virginia | 1 | $ 585,000 | $ 585,000 | $ 249,000 |
| Franklin County Virginia | 1 | $ 715,000 | $ 715,000 | $ 466,000 |
| Lunenburg County Virginia | 1 | $ 125,000 | $ 125,000 | $ 39,000 |
| Middlesex County Virginia | 1 | $ 245,000 | $ 245,000 | $ 175,000 |
| Montgomery County Virginia | 1 | $ 475,000 | $ 475,000 | $ 174,000 |
| Richmond County Virginia | 1 | $ 135,000 | $ 135,000 | $ 267,000 |
| Roanoke County Virginia | 1 | $ 15,000 | $ 15,000 | $ 49,000 |
| Washington County Virginia | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Clark County Washington | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Grays Harbor County Washington | 1 | $ 25,000 | $ 25,000 | $ 22,000 |
| Clay County West Virginia | 1 | $ 45,000 | $ 45,000 | $ 63,000 |
| Doddridge County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 49,000 |
| Hampshire County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 68,000 |
| Hardy County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 90,000 |
| Mercer County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 82,000 |
| Mingo County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 61,000 |
| Taylor County West Virginia | 1 | $ 335,000 | $ 335,000 | $ 100,000 |
| Tyler County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 66,000 |
Mortgage Loan Application Detail Totals for United Bank in 2018
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 | 2,129 | $808,165,000 | $379,000 | $20,405,000 | $161,000 | $4,494,000 |
| Refinancing | 1,086 | $416,990,000 | $383,000 | $25,915,000 | $187,000 | $4,494,000 |
| Home Improvement | 426 | $47,320,000 | $111,000 | $2,535,000 | $148,000 | $1,386,000 |
| Other Purpose | 400 | $39,360,000 | $98,000 | $1,105,000 | $127,000 | $1,449,000 |
| Cash-out Refinancing | 365 | $96,655,000 | $264,000 | $2,025,000 | $141,000 | $1,380,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,224 | $844,070,000 | $261,000 | $4,705,000 | $158,000 | $4,494,000 |
| Not Provided | 513 | $188,345,000 | $367,000 | $2,595,000 | $170,000 | $1,542,000 |
| Not applicable | 225 | $226,965,000 | $1,008,000 | $25,915,000 | $0 | $0 |
| Asian | 165 | $67,495,000 | $409,000 | $2,655,000 | $188,000 | $1,566,000 |
| Hispanic | 108 | $29,480,000 | $272,000 | $1,245,000 | $161,000 | $1,141,000 |
| Black or African American | 104 | $26,330,000 | $253,000 | $1,065,000 | $120,000 | $426,000 |
| American Indian or Alaskan Native | 5 | $1,425,000 | $285,000 | $595,000 | $106,000 | $231,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $650,000 | $325,000 | $495,000 | $113,000 | $182,000 |
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) | 4,181 | $1,382,455,000 | $330,000 | $25,915,000 | $166,000 | $4,494,000 |
| FHA-insured (Federal Housing Administration) | 105 | $7,965,000 | $75,000 | $435,000 | $60,000 | $186,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 74 | $9,460,000 | $127,000 | $285,000 | $46,000 | $92,000 |
| VA-guaranteed (Veterans Administration) | 46 | $8,610,000 | $187,000 | $455,000 | $78,000 | $511,000 |
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 | 1,860 | $543,640,000 | $292,000 | $25,915,000 | $174,000 | $2,455,000 |
| Loan Purchased By The Institution | 1,508 | $707,660,000 | $469,000 | $4,705,000 | $190,000 | $4,494,000 |
| Application Denied By Financial Institution | 476 | $57,810,000 | $121,000 | $1,505,000 | $89,000 | $703,000 |
| Preapproval Denied by Financial Institution | 215 | $36,675,000 | $170,000 | $2,205,000 | $73,000 | $775,000 |
| Preapproval Approved but not Accepted | 152 | $31,630,000 | $208,000 | $1,205,000 | $91,000 | $540,000 |
| Application Approved But Not Accepted | 109 | $17,635,000 | $161,000 | $975,000 | $150,000 | $1,542,000 |
| Application Withdrawn By Applicant | 86 | $13,440,000 | $156,000 | $785,000 | $122,000 | $593,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 3,715 | $1,314,005,000 | $353,000 | $25,915,000 | $176,000 | $4,494,000 |
| Credit History | 282 | $26,280,000 | $93,000 | $1,505,000 | $67,000 | $377,000 |
| Debt-To-Income Ratio | 211 | $37,185,000 | $176,000 | $2,205,000 | $79,000 | $317,000 |
| Collateral | 99 | $12,105,000 | $122,000 | $1,455,000 | $109,000 | $703,000 |
| Credit Application Incomplete | 51 | $12,545,000 | $245,000 | $1,765,000 | $140,000 | $775,000 |
| Other | 20 | $2,230,000 | $111,000 | $405,000 | $102,000 | $627,000 |
| Unverifiable Information | 14 | $2,310,000 | $165,000 | $465,000 | $115,000 | $283,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,475,000 | $163,000 | $385,000 | $71,000 | $186,000 |
| Employment History | 5 | $355,000 | $71,000 | $135,000 | $41,000 | $68,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank's 2018 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.