United Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
United Bank 2019 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 | 3,945 |
| Total Mortgage Loan Application Amount | $1,162,115,000 |
| Average Mortgage Loan Application Amount | $254,400 |
| Highest Mortgage Loan Application Amount | $21,005,000 |
| Average Applicant Income | $158,000 |
| Highest Applicant Income | $4,424,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 334 | $ 147,860,000 | $ 442,000 | $ 236,000 |
| Monongalia County West Virginia | 220 | $ 45,810,000 | $ 208,000 | $ 149,000 |
| Montgomery County Maryland | 209 | $ 90,055,000 | $ 430,000 | $ 201,000 |
| District of Columbia County District Of Columbia | 202 | $ 123,220,000 | $ 610,000 | $ 252,000 |
| Kanawha County West Virginia | 155 | $ 27,635,000 | $ 178,000 | $ 153,000 |
| Loudoun County Virginia | 134 | $ 38,810,000 | $ 289,000 | $ 173,000 |
| Berkeley County West Virginia | 118 | $ 19,120,000 | $ 162,000 | $ 119,000 |
| Prince William County Virginia | 117 | $ 28,105,000 | $ 240,000 | $ 108,000 |
| Fayette County Pennsylvania | 104 | $ 12,080,000 | $ 116,000 | $ 86,000 |
| Wood County West Virginia | 101 | $ 16,365,000 | $ 162,000 | $ 115,000 |
| Arlington County Virginia | 99 | $ 51,595,000 | $ 521,000 | $ 230,000 |
| Cabell County West Virginia | 96 | $ 18,510,000 | $ 192,000 | $ 153,000 |
| Raleigh County West Virginia | 77 | $ 11,845,000 | $ 153,000 | $ 108,000 |
| Jefferson County West Virginia | 69 | $ 16,205,000 | $ 234,000 | $ 123,000 |
| Ohio County West Virginia | 64 | $ 5,670,000 | $ 88,000 | $ 76,000 |
| Rockingham County Virginia | 61 | $ 6,805,000 | $ 111,000 | $ 108,000 |
| Washington County Maryland | 58 | $ 18,440,000 | $ 317,000 | $ 91,000 |
| Beaufort County South Carolina | 46 | $ 27,290,000 | $ 593,000 | $ 386,000 |
| Alexandria County Virginia | 46 | $ 20,180,000 | $ 438,000 | $ 235,000 |
| Wayne County West Virginia | 46 | $ 5,900,000 | $ 128,000 | $ 75,000 |
| Putnam County West Virginia | 44 | $ 11,200,000 | $ 254,000 | $ 127,000 |
| Fayette County West Virginia | 43 | $ 4,345,000 | $ 101,000 | $ 68,000 |
| Spotsylvania County Virginia | 38 | $ 9,550,000 | $ 251,000 | $ 103,000 |
| Chesterfield County Virginia | 37 | $ 13,415,000 | $ 362,000 | $ 201,000 |
| Henrico County Virginia | 37 | $ 17,115,000 | $ 462,000 | $ 197,000 |
| Warren County Virginia | 34 | $ 5,750,000 | $ 169,000 | $ 75,000 |
| Frederick County Virginia | 33 | $ 5,465,000 | $ 165,000 | $ 133,000 |
| Stafford County Virginia | 33 | $ 7,415,000 | $ 224,000 | $ 92,000 |
| Jackson County West Virginia | 32 | $ 4,250,000 | $ 132,000 | $ 130,000 |
| Augusta County Virginia | 30 | $ 3,850,000 | $ 128,000 | $ 89,000 |
| Marshall County West Virginia | 26 | $ 2,530,000 | $ 97,000 | $ 91,000 |
| Albemarle County Virginia | 23 | $ 6,755,000 | $ 293,000 | $ 160,000 |
| Belmont County Ohio | 21 | $ 1,715,000 | $ 81,000 | $ 60,000 |
| Logan County West Virginia | 20 | $ 1,430,000 | $ 71,000 | $ 56,000 |
| Nicholas County West Virginia | 20 | $ 2,740,000 | $ 137,000 | $ 204,000 |
| Marion County West Virginia | 19 | $ 2,905,000 | $ 152,000 | $ 97,000 |
| Frederick County Maryland | 18 | $ 6,070,000 | $ 337,000 | $ 587,000 |
| Lawrence County Ohio | 17 | $ 2,055,000 | $ 120,000 | $ 72,000 |
| Harrison County West Virginia | 17 | $ 22,415,000 | $ 1,318,000 | $ 90,000 |
| Anne Arundel County Maryland | 16 | $ 16,870,000 | $ 1,054,000 | $ 185,000 |
| Prince George's County Maryland | 16 | $ 1,850,000 | $ 115,000 | $ 85,000 |
| Washington County Ohio | 16 | $ 2,310,000 | $ 144,000 | $ 115,000 |
| Manassas County Virginia | 16 | $ 4,160,000 | $ 260,000 | $ 94,000 |
| Hanover County Virginia | 15 | $ 2,945,000 | $ 196,000 | $ 141,000 |
| Preston County West Virginia | 15 | $ 1,535,000 | $ 102,000 | $ 71,000 |
| Harrisonburg County Virginia | 14 | $ 3,370,000 | $ 240,000 | $ 138,000 |
| Virginia Beach County Virginia | 13 | $ 6,525,000 | $ 501,000 | $ 162,000 |
| Winchester County Virginia | 13 | $ 3,645,000 | $ 280,000 | $ 104,000 |
| Hancock County West Virginia | 13 | $ 875,000 | $ 67,000 | $ 48,000 |
| Webster County West Virginia | 13 | $ 1,075,000 | $ 82,000 | $ 54,000 |
| Baltimore County Maryland | 12 | $ 9,220,000 | $ 768,000 | $ 516,000 |
| Jefferson County Ohio | 12 | $ 860,000 | $ 71,000 | $ 41,000 |
| Fairfax City County Virginia | 12 | $ 3,150,000 | $ 262,000 | $ 172,000 |
| Fauquier County Virginia | 12 | $ 3,810,000 | $ 317,000 | $ 249,000 |
| Shenandoah County Virginia | 12 | $ 1,050,000 | $ 87,000 | $ 70,000 |
| Gilmer County West Virginia | 12 | $ 1,540,000 | $ 128,000 | $ 77,000 |
| Mecklenburg County North Carolina | 11 | $ 5,705,000 | $ 518,000 | $ 176,000 |
| Allegheny County Pennsylvania | 11 | $ 1,625,000 | $ 147,000 | $ 75,000 |
| Boone County West Virginia | 11 | $ 995,000 | $ 90,000 | $ 61,000 |
| Lewis County West Virginia | 11 | $ 1,225,000 | $ 111,000 | $ 80,000 |
| Howard County Maryland | 10 | $ 4,270,000 | $ 427,000 | $ 198,000 |
| Falls Church County Virginia | 10 | $ 4,930,000 | $ 493,000 | $ 212,000 |
| Franklin County Pennsylvania | 9 | $ 1,815,000 | $ 201,000 | $ 222,000 |
| Powhatan County Virginia | 9 | $ 2,245,000 | $ 249,000 | $ 151,000 |
| Summers County West Virginia | 9 | $ 1,265,000 | $ 140,000 | $ 99,000 |
| Charlottesville County Virginia | 8 | $ 2,800,000 | $ 350,000 | $ 104,000 |
| Richmond City County Virginia | 8 | $ 4,020,000 | $ 502,000 | $ 185,000 |
| Harford County Maryland | 7 | $ 2,585,000 | $ 369,000 | $ 222,000 |
| Catawba County North Carolina | 7 | $ 4,615,000 | $ 659,000 | $ 369,000 |
| Goochland County Virginia | 7 | $ 2,055,000 | $ 293,000 | $ 561,000 |
| Greene County Virginia | 7 | $ 1,215,000 | $ 173,000 | $ 83,000 |
| Brooke County West Virginia | 7 | $ 575,000 | $ 82,000 | $ 64,000 |
| Baltimore City County Maryland | 6 | $ 2,330,000 | $ 388,000 | $ 588,000 |
| Westmoreland County Pennsylvania | 6 | $ 220,000 | $ 36,000 | $ 52,000 |
| Horry County South Carolina | 6 | $ 2,360,000 | $ 393,000 | $ 309,000 |
| Fredericksburg County Virginia | 6 | $ 1,670,000 | $ 278,000 | $ 84,000 |
| Sussex County Delaware | 5 | $ 2,235,000 | $ 447,000 | $ 213,000 |
| Gaston County North Carolina | 5 | $ 2,195,000 | $ 439,000 | $ 148,000 |
| Clarke County Virginia | 5 | $ 1,185,000 | $ 237,000 | $ 146,000 |
| Louisa County Virginia | 5 | $ 1,115,000 | $ 223,000 | $ 173,000 |
| Waynesboro County Virginia | 5 | $ 1,165,000 | $ 233,000 | $ 114,000 |
| Ritchie County West Virginia | 5 | $ 485,000 | $ 97,000 | $ 56,000 |
| Taylor County West Virginia | 5 | $ 865,000 | $ 173,000 | $ 101,000 |
| Wyoming County West Virginia | 5 | $ 435,000 | $ 87,000 | $ 114,000 |
| Wake County North Carolina | 4 | $ 1,700,000 | $ 425,000 | $ 129,000 |
| Chesapeake County Virginia | 4 | $ 1,770,000 | $ 442,000 | $ 220,000 |
| Fluvanna County Virginia | 4 | $ 820,000 | $ 205,000 | $ 129,000 |
| James City County Virginia | 4 | $ 1,070,000 | $ 267,000 | $ 188,000 |
| New Kent County Virginia | 4 | $ 1,910,000 | $ 477,000 | $ 167,000 |
| Orange County Virginia | 4 | $ 1,350,000 | $ 337,000 | $ 135,000 |
| Page County Virginia | 4 | $ 420,000 | $ 105,000 | $ 101,000 |
| Staunton County Virginia | 4 | $ 550,000 | $ 137,000 | $ 32,000 |
| Calhoun County West Virginia | 4 | $ 400,000 | $ 100,000 | $ 111,000 |
| Greenbrier County West Virginia | 4 | $ 600,000 | $ 150,000 | $ 239,000 |
| Mercer County West Virginia | 4 | $ 830,000 | $ 207,000 | $ 109,000 |
| Morgan County West Virginia | 4 | $ 1,390,000 | $ 347,000 | $ 349,000 |
| Palm Beach County Florida | 3 | $ 10,115,000 | $ 3,371,000 | $ 828,000 |
| Jefferson County Kentucky | 3 | $ 335,000 | $ 111,000 | $ 0 |
| Carroll County Maryland | 3 | $ 1,615,000 | $ 538,000 | $ 201,000 |
| St. Mary's County Maryland | 3 | $ 1,195,000 | $ 398,000 | $ 267,000 |
| Talbot County Maryland | 3 | $ 3,515,000 | $ 1,171,000 | $ 98,000 |
| Worcester County Maryland | 3 | $ 1,415,000 | $ 471,000 | $ 285,000 |
| Lincoln County North Carolina | 3 | $ 1,815,000 | $ 605,000 | $ 225,000 |
| Union County North Carolina | 3 | $ 915,000 | $ 305,000 | $ 133,000 |
| Franklin County Ohio | 3 | $ 635,000 | $ 211,000 | $ 315,000 |
| Scioto County Ohio | 3 | $ 1,005,000 | $ 335,000 | $ 117,000 |
| Greene County Pennsylvania | 3 | $ 495,000 | $ 165,000 | $ 65,000 |
| Caroline County Virginia | 3 | $ 375,000 | $ 125,000 | $ 145,000 |
| Culpeper County Virginia | 3 | $ 285,000 | $ 95,000 | $ 166,000 |
| King George County Virginia | 3 | $ 815,000 | $ 271,000 | $ 184,000 |
| King William County Virginia | 3 | $ 365,000 | $ 121,000 | $ 121,000 |
| Suffolk County Virginia | 3 | $ 1,365,000 | $ 455,000 | $ 680,000 |
| Westmoreland County Virginia | 3 | $ 1,485,000 | $ 495,000 | $ 214,000 |
| Hampshire County West Virginia | 3 | $ 145,000 | $ 48,000 | $ 63,000 |
| Lincoln County West Virginia | 3 | $ 455,000 | $ 151,000 | $ 76,000 |
| Upshur County West Virginia | 3 | $ 265,000 | $ 88,000 | $ 95,000 |
| Brevard County Florida | 2 | $ 1,260,000 | $ 630,000 | $ 348,000 |
| Collier County Florida | 2 | $ 3,160,000 | $ 1,580,000 | $ 614,000 |
| Hillsborough County Florida | 2 | $ 1,540,000 | $ 770,000 | $ 1,026,000 |
| Miami-Dade County Florida | 2 | $ 670,000 | $ 335,000 | $ 480,000 |
| Monroe County Florida | 2 | $ 780,000 | $ 390,000 | $ 145,000 |
| Calvert County Maryland | 2 | $ 1,690,000 | $ 845,000 | $ 466,000 |
| Dorchester County Maryland | 2 | $ 900,000 | $ 450,000 | $ 916,000 |
| Garrett County Maryland | 2 | $ 710,000 | $ 355,000 | $ 842,000 |
| Alexander County North Carolina | 2 | $ 310,000 | $ 155,000 | $ 43,000 |
| Dare County North Carolina | 2 | $ 1,290,000 | $ 645,000 | $ 479,000 |
| New Hanover County North Carolina | 2 | $ 380,000 | $ 190,000 | $ 181,000 |
| York County Pennsylvania | 2 | $ 460,000 | $ 230,000 | $ 54,000 |
| Berkeley County South Carolina | 2 | $ 1,060,000 | $ 530,000 | $ 187,000 |
| Greenville County South Carolina | 2 | $ 660,000 | $ 330,000 | $ 230,000 |
| Jasper County South Carolina | 2 | $ 300,000 | $ 150,000 | $ 49,000 |
| Lexington County South Carolina | 2 | $ 830,000 | $ 415,000 | $ 135,000 |
| Franklin County Virginia | 2 | $ 1,370,000 | $ 685,000 | $ 580,000 |
| Lancaster County Virginia | 2 | $ 620,000 | $ 310,000 | $ 148,000 |
| Manassas Park County Virginia | 2 | $ 630,000 | $ 315,000 | $ 80,000 |
| Norfolk County Virginia | 2 | $ 630,000 | $ 315,000 | $ 126,000 |
| Rappahannock County Virginia | 2 | $ 100,000 | $ 50,000 | $ 129,000 |
| York County Virginia | 2 | $ 180,000 | $ 90,000 | $ 178,000 |
| Braxton County West Virginia | 2 | $ 440,000 | $ 220,000 | $ 88,000 |
| Pleasants County West Virginia | 2 | $ 330,000 | $ 165,000 | $ 133,000 |
| Pocahontas County West Virginia | 2 | $ 150,000 | $ 75,000 | $ 346,000 |
| Roane County West Virginia | 2 | $ 290,000 | $ 145,000 | $ 103,000 |
| Tucker County West Virginia | 2 | $ 230,000 | $ 115,000 | $ 69,000 |
| Shelby County Alabama | 1 | $ 425,000 | $ 425,000 | $ 176,000 |
| Bay County Florida | 1 | $ 775,000 | $ 775,000 | $ 578,000 |
| Broward County Florida | 1 | $ 885,000 | $ 885,000 | $ 908,000 |
| Escambia County Florida | 1 | $ 125,000 | $ 125,000 | $ 73,000 |
| Pinellas County Florida | 1 | $ 855,000 | $ 855,000 | $ 272,000 |
| Polk County Florida | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| St. Johns County Florida | 1 | $ 255,000 | $ 255,000 | $ 272,000 |
| St. Lucie County Florida | 1 | $ 415,000 | $ 415,000 | $ 84,000 |
| Walton County Florida | 1 | $ 325,000 | $ 325,000 | $ 0 |
| DeKalb County Georgia | 1 | $ 605,000 | $ 605,000 | $ 321,000 |
| Boone County Indiana | 1 | $ 315,000 | $ 315,000 | $ 130,000 |
| Bourbon County Kentucky | 1 | $ 1,235,000 | $ 1,235,000 | $ 326,000 |
| Boyd County Kentucky | 1 | $ 365,000 | $ 365,000 | $ 197,000 |
| Lawrence County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 94,000 |
| Menifee County Kentucky | 1 | $ 195,000 | $ 195,000 | $ 0 |
| Allegany County Maryland | 1 | $ 1,225,000 | $ 1,225,000 | $ 0 |
| Benzie County Michigan | 1 | $ 505,000 | $ 505,000 | $ 266,000 |
| Madison County Montana | 1 | $ 12,925,000 | $ 12,925,000 | $ 0 |
| Hudson County New Jersey | 1 | $ 435,000 | $ 435,000 | $ 152,000 |
| Kings County New York | 1 | $ 4,355,000 | $ 4,355,000 | $ 0 |
| New York County New York | 1 | $ 2,505,000 | $ 2,505,000 | $ 1,287,000 |
| Rensselaer County New York | 1 | $ 15,000 | $ 15,000 | $ 42,000 |
| Brunswick County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 722,000 |
| Burke County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 194,000 |
| Cabarrus County North Carolina | 1 | $ 495,000 | $ 495,000 | $ 89,000 |
| Carteret County North Carolina | 1 | $ 425,000 | $ 425,000 | $ 92,000 |
| Chatham County North Carolina | 1 | $ 535,000 | $ 535,000 | $ 167,000 |
| Cleveland County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 201,000 |
| Cumberland County North Carolina | 1 | $ 165,000 | $ 165,000 | $ 49,000 |
| Currituck County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 315,000 |
| Iredell County North Carolina | 1 | $ 215,000 | $ 215,000 | $ 416,000 |
| Johnston County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 126,000 |
| Moore County North Carolina | 1 | $ 135,000 | $ 135,000 | $ 276,000 |
| Orange County North Carolina | 1 | $ 475,000 | $ 475,000 | $ 228,000 |
| Rowan County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 108,000 |
| Gallia County Ohio | 1 | $ 195,000 | $ 195,000 | $ 217,000 |
| Monroe County Ohio | 1 | $ 95,000 | $ 95,000 | $ 81,000 |
| Morgan County Ohio | 1 | $ 655,000 | $ 655,000 | $ 0 |
| Richland County Ohio | 1 | $ 95,000 | $ 95,000 | $ 11,000 |
| Chester County Pennsylvania | 1 | $ 1,155,000 | $ 1,155,000 | $ 298,000 |
| Indiana County Pennsylvania | 1 | $ 4,305,000 | $ 4,305,000 | $ 0 |
| Lancaster County Pennsylvania | 1 | $ 625,000 | $ 625,000 | $ 192,000 |
| Washington County Pennsylvania | 1 | $ 65,000 | $ 65,000 | $ 120,000 |
| Georgetown County South Carolina | 1 | $ 1,675,000 | $ 1,675,000 | $ 0 |
| York County South Carolina | 1 | $ 535,000 | $ 535,000 | $ 214,000 |
| Loudon County Tennessee | 1 | $ 155,000 | $ 155,000 | $ 292,000 |
| Sevier County Tennessee | 1 | $ 335,000 | $ 335,000 | $ 156,000 |
| McLennan County Texas | 1 | $ 475,000 | $ 475,000 | $ 200,000 |
| Bedford County Virginia | 1 | $ 565,000 | $ 565,000 | $ 361,000 |
| Essex County Virginia | 1 | $ 55,000 | $ 55,000 | $ 80,000 |
| Grayson County Virginia | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Henry County Virginia | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Lee County Virginia | 1 | $ 55,000 | $ 55,000 | $ 33,000 |
| Nelson County Virginia | 1 | $ 265,000 | $ 265,000 | $ 319,000 |
| Petersburg County Virginia | 1 | $ 2,005,000 | $ 2,005,000 | $ 0 |
| Richmond County Virginia | 1 | $ 465,000 | $ 465,000 | $ 427,000 |
| Washington County Virginia | 1 | $ 55,000 | $ 55,000 | $ 31,000 |
| Doddridge County West Virginia | 1 | $ 25,000 | $ 25,000 | $ 51,000 |
| Mason County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 83,000 |
| Mingo County West Virginia | 1 | $ 135,000 | $ 135,000 | $ 117,000 |
| Monroe County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 208,000 |
| Wirt County West Virginia | 1 | $ 265,000 | $ 265,000 | $ 169,000 |
Mortgage Loan Application Detail Totals for United Bank in 2019
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 | 1,922 | $645,680,000 | $335,000 | $4,355,000 | $154,000 | $3,050,000 |
| Refinancing | 807 | $288,725,000 | $357,000 | $21,005,000 | $191,000 | $4,424,000 |
| Home Improvement | 431 | $63,455,000 | $147,000 | $5,635,000 | $154,000 | $3,520,000 |
| Other Purpose | 423 | $48,915,000 | $115,000 | $2,005,000 | $153,000 | $2,974,000 |
| Cash-out Refinancing | 362 | $115,340,000 | $318,000 | $2,565,000 | $138,000 | $1,215,000 |
| 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 | 2,139 | $377,685,000 | $176,000 | $4,345,000 | $152,000 | $4,424,000 |
| Not applicable | 1,461 | $700,435,000 | $479,000 | $21,005,000 | $170,000 | $3,496,000 |
| Not Provided | 137 | $40,385,000 | $294,000 | $8,305,000 | $164,000 | $1,800,000 |
| Asian | 83 | $21,585,000 | $260,000 | $2,005,000 | $198,000 | $1,532,000 |
| Black or African American | 60 | $10,280,000 | $171,000 | $745,000 | $182,000 | $3,520,000 |
| Hispanic | 46 | $8,530,000 | $185,000 | $2,055,000 | $117,000 | $441,000 |
| American Indian or Alaskan Native | 4 | $350,000 | $87,000 | $225,000 | $145,000 | $346,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $155,000 | $155,000 | $155,000 | $83,000 | $83,000 |
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) | 3,753 | $1,132,625,000 | $301,000 | $21,005,000 | $164,000 | $4,424,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 77 | $10,135,000 | $131,000 | $685,000 | $49,000 | $157,000 |
| FHA-insured (Federal Housing Administration) | 67 | $7,215,000 | $107,000 | $475,000 | $77,000 | $292,000 |
| VA-guaranteed (Veterans Administration) | 48 | $12,140,000 | $252,000 | $745,000 | $92,000 | $341,000 |
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 | 1,686 | $450,280,000 | $267,000 | $21,005,000 | $184,000 | $4,424,000 |
| Loan Purchased By The Institution | 1,283 | $552,455,000 | $430,000 | $1,995,000 | $170,000 | $3,496,000 |
| Application Denied By Financial Institution | 404 | $55,590,000 | $137,000 | $2,005,000 | $101,000 | $1,296,000 |
| Preapproval Denied by Financial Institution | 214 | $27,590,000 | $128,000 | $1,235,000 | $66,000 | $700,000 |
| Preapproval Approved but not Accepted | 177 | $40,125,000 | $226,000 | $2,005,000 | $128,000 | $3,050,000 |
| Application Approved But Not Accepted | 115 | $23,305,000 | $202,000 | $1,015,000 | $178,000 | $1,318,000 |
| Application Withdrawn By Applicant | 66 | $12,770,000 | $193,000 | $2,335,000 | $108,000 | $573,000 |
| 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 | 3,327 | $1,078,935,000 | $324,000 | $21,005,000 | $173,000 | $4,424,000 |
| Credit History | 263 | $28,795,000 | $109,000 | $675,000 | $76,000 | $869,000 |
| Debt-To-Income Ratio | 177 | $28,915,000 | $163,000 | $2,005,000 | $71,000 | $386,000 |
| Collateral | 94 | $13,760,000 | $146,000 | $1,125,000 | $145,000 | $1,296,000 |
| Credit Application Incomplete | 43 | $4,735,000 | $110,000 | $325,000 | $79,000 | $292,000 |
| Other | 18 | $3,310,000 | $183,000 | $745,000 | $168,000 | $486,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 9 | $1,835,000 | $203,000 | $455,000 | $152,000 | $700,000 |
| Employment History | 8 | $1,000,000 | $125,000 | $245,000 | $41,000 | $75,000 |
| Unverifiable Information | 6 | $830,000 | $138,000 | $215,000 | $107,000 | $201,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank's 2019 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.