United Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2021
United Bank 2021 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 | 4,795 |
| Total Mortgage Loan Application Amount | $1,808,925,000 |
| Average Mortgage Loan Application Amount | $289,800 |
| Highest Mortgage Loan Application Amount | $95,005,000 |
| Average Applicant Income | $160,600 |
| Highest Applicant Income | $5,735,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2021 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 2021 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 2021.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Horry County South Carolina | 327 | $ 70,095,000 | $ 214,000 | $ 149,000 |
| Fairfax County Virginia | 310 | $ 146,040,000 | $ 471,000 | $ 265,000 |
| Monongalia County West Virginia | 238 | $ 68,570,000 | $ 288,000 | $ 160,000 |
| Kanawha County West Virginia | 165 | $ 32,295,000 | $ 195,000 | $ 135,000 |
| Montgomery County Maryland | 150 | $ 77,580,000 | $ 517,000 | $ 269,000 |
| Loudoun County Virginia | 135 | $ 36,575,000 | $ 270,000 | $ 201,000 |
| District of Columbia County District Of Columbia | 134 | $ 126,960,000 | $ 947,000 | $ 266,000 |
| Brunswick County North Carolina | 117 | $ 40,925,000 | $ 349,000 | $ 177,000 |
| Prince William County Virginia | 107 | $ 28,945,000 | $ 270,000 | $ 126,000 |
| Wood County West Virginia | 106 | $ 16,990,000 | $ 160,000 | $ 109,000 |
| Berkeley County West Virginia | 104 | $ 28,400,000 | $ 273,000 | $ 122,000 |
| Cabell County West Virginia | 104 | $ 29,870,000 | $ 287,000 | $ 152,000 |
| Greenville County South Carolina | 95 | $ 39,425,000 | $ 415,000 | $ 95,000 |
| Fayette County Pennsylvania | 85 | $ 9,045,000 | $ 106,000 | $ 85,000 |
| Charleston County South Carolina | 74 | $ 30,110,000 | $ 406,000 | $ 231,000 |
| Wake County North Carolina | 68 | $ 21,410,000 | $ 314,000 | $ 126,000 |
| Arlington County Virginia | 66 | $ 46,460,000 | $ 703,000 | $ 321,000 |
| Putnam County West Virginia | 63 | $ 15,035,000 | $ 238,000 | $ 127,000 |
| Washington County Maryland | 57 | $ 12,125,000 | $ 212,000 | $ 190,000 |
| Pitt County North Carolina | 57 | $ 10,705,000 | $ 187,000 | $ 92,000 |
| Beaufort County North Carolina | 55 | $ 5,665,000 | $ 103,000 | $ 76,000 |
| Jefferson County West Virginia | 55 | $ 9,945,000 | $ 180,000 | $ 127,000 |
| Raleigh County West Virginia | 54 | $ 7,550,000 | $ 139,000 | $ 87,000 |
| New Hanover County North Carolina | 52 | $ 15,350,000 | $ 295,000 | $ 159,000 |
| Rutherford County North Carolina | 47 | $ 10,895,000 | $ 231,000 | $ 171,000 |
| Berkeley County South Carolina | 46 | $ 9,800,000 | $ 213,000 | $ 94,000 |
| Alexandria County Virginia | 43 | $ 115,965,000 | $ 2,696,000 | $ 273,000 |
| Craven County North Carolina | 40 | $ 6,490,000 | $ 162,000 | $ 95,000 |
| Frederick County Virginia | 40 | $ 7,000,000 | $ 175,000 | $ 142,000 |
| Wayne County West Virginia | 40 | $ 6,170,000 | $ 154,000 | $ 101,000 |
| Catawba County North Carolina | 39 | $ 8,555,000 | $ 219,000 | $ 122,000 |
| Gaston County North Carolina | 38 | $ 17,250,000 | $ 453,000 | $ 99,000 |
| Lincoln County North Carolina | 36 | $ 5,570,000 | $ 154,000 | $ 92,000 |
| Dorchester County South Carolina | 36 | $ 7,070,000 | $ 196,000 | $ 99,000 |
| Spotsylvania County Virginia | 36 | $ 10,170,000 | $ 282,000 | $ 108,000 |
| Jackson County West Virginia | 36 | $ 3,980,000 | $ 110,000 | $ 85,000 |
| Mecklenburg County North Carolina | 35 | $ 12,375,000 | $ 353,000 | $ 224,000 |
| Spartanburg County South Carolina | 35 | $ 19,065,000 | $ 544,000 | $ 86,000 |
| York County South Carolina | 34 | $ 5,880,000 | $ 172,000 | $ 153,000 |
| Fayette County West Virginia | 34 | $ 5,440,000 | $ 160,000 | $ 121,000 |
| Shenandoah County Virginia | 33 | $ 3,265,000 | $ 98,000 | $ 96,000 |
| Beaufort County South Carolina | 32 | $ 26,810,000 | $ 837,000 | $ 433,000 |
| Ohio County West Virginia | 32 | $ 3,990,000 | $ 124,000 | $ 105,000 |
| Georgetown County South Carolina | 31 | $ 11,825,000 | $ 381,000 | $ 209,000 |
| Chesterfield County Virginia | 31 | $ 13,545,000 | $ 436,000 | $ 257,000 |
| Rockingham County Virginia | 31 | $ 4,475,000 | $ 144,000 | $ 118,000 |
| Cumberland County North Carolina | 28 | $ 12,390,000 | $ 442,000 | $ 75,000 |
| Durham County North Carolina | 28 | $ 8,890,000 | $ 317,000 | $ 127,000 |
| Dare County North Carolina | 25 | $ 9,335,000 | $ 373,000 | $ 162,000 |
| Albemarle County Virginia | 25 | $ 6,905,000 | $ 276,000 | $ 141,000 |
| Carteret County North Carolina | 24 | $ 7,380,000 | $ 307,000 | $ 182,000 |
| Belmont County Ohio | 23 | $ 2,335,000 | $ 101,000 | $ 76,000 |
| Lawrence County Ohio | 23 | $ 6,025,000 | $ 261,000 | $ 154,000 |
| Warren County Virginia | 23 | $ 3,795,000 | $ 165,000 | $ 109,000 |
| Columbus County North Carolina | 22 | $ 3,130,000 | $ 142,000 | $ 94,000 |
| Nicholas County West Virginia | 22 | $ 3,300,000 | $ 150,000 | $ 103,000 |
| Marshall County West Virginia | 21 | $ 1,845,000 | $ 87,000 | $ 88,000 |
| Anne Arundel County Maryland | 19 | $ 13,305,000 | $ 700,000 | $ 311,000 |
| Lexington County South Carolina | 19 | $ 3,345,000 | $ 176,000 | $ 119,000 |
| Charlottesville County Virginia | 19 | $ 4,865,000 | $ 256,000 | $ 107,000 |
| Nash County North Carolina | 18 | $ 3,510,000 | $ 195,000 | $ 102,000 |
| Richland County South Carolina | 18 | $ 16,560,000 | $ 920,000 | $ 123,000 |
| Richmond City County Virginia | 18 | $ 12,890,000 | $ 716,000 | $ 237,000 |
| Frederick County Maryland | 17 | $ 28,935,000 | $ 1,702,000 | $ 308,000 |
| Robeson County North Carolina | 17 | $ 3,175,000 | $ 186,000 | $ 237,000 |
| Baltimore County Maryland | 15 | $ 64,295,000 | $ 4,286,000 | $ 344,000 |
| Caldwell County North Carolina | 15 | $ 2,545,000 | $ 169,000 | $ 96,000 |
| Wayne County North Carolina | 15 | $ 1,895,000 | $ 126,000 | $ 68,000 |
| Henrico County Virginia | 15 | $ 6,105,000 | $ 407,000 | $ 185,000 |
| Stafford County Virginia | 15 | $ 2,645,000 | $ 176,000 | $ 88,000 |
| Washington County Ohio | 14 | $ 1,970,000 | $ 140,000 | $ 113,000 |
| Hanover County Virginia | 14 | $ 5,140,000 | $ 367,000 | $ 246,000 |
| Harrison County West Virginia | 14 | $ 2,250,000 | $ 160,000 | $ 200,000 |
| Logan County West Virginia | 14 | $ 900,000 | $ 64,000 | $ 63,000 |
| Howard County Maryland | 13 | $ 8,485,000 | $ 652,000 | $ 228,000 |
| Harrisonburg County Virginia | 13 | $ 2,285,000 | $ 175,000 | $ 129,000 |
| Winchester County Virginia | 13 | $ 4,895,000 | $ 376,000 | $ 128,000 |
| Lewis County West Virginia | 13 | $ 1,425,000 | $ 109,000 | $ 87,000 |
| Webster County West Virginia | 13 | $ 905,000 | $ 69,000 | $ 76,000 |
| Lenoir County North Carolina | 12 | $ 1,250,000 | $ 104,000 | $ 34,000 |
| Sussex County Delaware | 11 | $ 8,815,000 | $ 801,000 | $ 983,000 |
| Hancock County West Virginia | 11 | $ 945,000 | $ 85,000 | $ 72,000 |
| Prince George's County Maryland | 10 | $ 46,240,000 | $ 4,624,000 | $ 154,000 |
| Pender County North Carolina | 10 | $ 2,220,000 | $ 222,000 | $ 83,000 |
| Augusta County Virginia | 10 | $ 1,920,000 | $ 192,000 | $ 122,000 |
| Manassas County Virginia | 10 | $ 1,720,000 | $ 172,000 | $ 78,000 |
| Orange County Virginia | 10 | $ 3,270,000 | $ 327,000 | $ 171,000 |
| Cabarrus County North Carolina | 9 | $ 1,125,000 | $ 125,000 | $ 131,000 |
| Iredell County North Carolina | 9 | $ 4,495,000 | $ 499,000 | $ 246,000 |
| Jefferson County Ohio | 9 | $ 955,000 | $ 106,000 | $ 47,000 |
| Washington County Pennsylvania | 9 | $ 18,585,000 | $ 2,065,000 | $ 79,000 |
| Greene County Virginia | 9 | $ 1,625,000 | $ 180,000 | $ 136,000 |
| Preston County West Virginia | 8 | $ 1,550,000 | $ 193,000 | $ 97,000 |
| Collier County Florida | 7 | $ 5,205,000 | $ 743,000 | $ 692,000 |
| Bladen County North Carolina | 7 | $ 675,000 | $ 96,000 | $ 67,000 |
| Burke County North Carolina | 7 | $ 1,105,000 | $ 157,000 | $ 97,000 |
| Onslow County North Carolina | 7 | $ 1,345,000 | $ 192,000 | $ 107,000 |
| Wilson County North Carolina | 7 | $ 1,695,000 | $ 242,000 | $ 112,000 |
| Franklin County Pennsylvania | 7 | $ 1,605,000 | $ 229,000 | $ 395,000 |
| Fauquier County Virginia | 7 | $ 3,555,000 | $ 507,000 | $ 338,000 |
| Louisa County Virginia | 7 | $ 5,145,000 | $ 735,000 | $ 919,000 |
| Morgan County West Virginia | 7 | $ 725,000 | $ 103,000 | $ 97,000 |
| Lee County Florida | 6 | $ 13,740,000 | $ 2,290,000 | $ 564,000 |
| Boyd County Kentucky | 6 | $ 1,210,000 | $ 201,000 | $ 123,000 |
| Baltimore City County Maryland | 6 | $ 7,860,000 | $ 1,310,000 | $ 203,000 |
| Cleveland County North Carolina | 6 | $ 4,200,000 | $ 700,000 | $ 20,000 |
| Edgecombe County North Carolina | 6 | $ 810,000 | $ 135,000 | $ 45,000 |
| Johnston County North Carolina | 6 | $ 930,000 | $ 155,000 | $ 64,000 |
| Rowan County North Carolina | 6 | $ 1,240,000 | $ 206,000 | $ 207,000 |
| Fairfax City County Virginia | 6 | $ 2,230,000 | $ 371,000 | $ 161,000 |
| Falls Church County Virginia | 6 | $ 2,630,000 | $ 438,000 | $ 400,000 |
| Page County Virginia | 6 | $ 460,000 | $ 76,000 | $ 59,000 |
| Waynesboro County Virginia | 6 | $ 1,370,000 | $ 228,000 | $ 92,000 |
| Braxton County West Virginia | 6 | $ 830,000 | $ 138,000 | $ 111,000 |
| Greenbrier County West Virginia | 6 | $ 6,120,000 | $ 1,020,000 | $ 828,000 |
| Marion County West Virginia | 6 | $ 780,000 | $ 130,000 | $ 61,000 |
| Mason County West Virginia | 6 | $ 1,060,000 | $ 176,000 | $ 181,000 |
| Duplin County North Carolina | 5 | $ 605,000 | $ 121,000 | $ 67,000 |
| Forsyth County North Carolina | 5 | $ 15,675,000 | $ 3,135,000 | $ 0 |
| Pamlico County North Carolina | 5 | $ 1,155,000 | $ 231,000 | $ 112,000 |
| Polk County North Carolina | 5 | $ 1,445,000 | $ 289,000 | $ 289,000 |
| Greene County Pennsylvania | 5 | $ 1,295,000 | $ 259,000 | $ 152,000 |
| Fredericksburg County Virginia | 5 | $ 1,475,000 | $ 295,000 | $ 277,000 |
| Virginia Beach County Virginia | 5 | $ 2,855,000 | $ 571,000 | $ 170,000 |
| Brooke County West Virginia | 5 | $ 295,000 | $ 59,000 | $ 41,000 |
| Gilmer County West Virginia | 5 | $ 445,000 | $ 89,000 | $ 100,000 |
| Randolph County West Virginia | 5 | $ 675,000 | $ 135,000 | $ 214,000 |
| Palm Beach County Florida | 4 | $ 1,250,000 | $ 312,000 | $ 553,000 |
| Fulton County Georgia | 4 | $ 2,210,000 | $ 552,000 | $ 684,000 |
| Alamance County North Carolina | 4 | $ 1,530,000 | $ 382,000 | $ 78,000 |
| Alexander County North Carolina | 4 | $ 910,000 | $ 227,000 | $ 100,000 |
| Currituck County North Carolina | 4 | $ 1,630,000 | $ 407,000 | $ 212,000 |
| Franklin County North Carolina | 4 | $ 980,000 | $ 245,000 | $ 112,000 |
| Pasquotank County North Carolina | 4 | $ 260,000 | $ 65,000 | $ 124,000 |
| Newberry County South Carolina | 4 | $ 1,130,000 | $ 282,000 | $ 128,000 |
| Goochland County Virginia | 4 | $ 2,440,000 | $ 610,000 | $ 237,000 |
| King William County Virginia | 4 | $ 1,000,000 | $ 250,000 | $ 66,000 |
| Powhatan County Virginia | 4 | $ 830,000 | $ 207,000 | $ 110,000 |
| Rappahannock County Virginia | 4 | $ 2,220,000 | $ 555,000 | $ 160,000 |
| Staunton County Virginia | 4 | $ 720,000 | $ 180,000 | $ 66,000 |
| Summers County West Virginia | 4 | $ 340,000 | $ 85,000 | $ 73,000 |
| Upshur County West Virginia | 4 | $ 870,000 | $ 217,000 | $ 75,000 |
| Harford County Maryland | 3 | $ 4,205,000 | $ 1,401,000 | $ 167,000 |
| Worcester County Maryland | 3 | $ 795,000 | $ 265,000 | $ 163,000 |
| Buncombe County North Carolina | 3 | $ 805,000 | $ 268,000 | $ 270,000 |
| Granville County North Carolina | 3 | $ 635,000 | $ 211,000 | $ 210,000 |
| Orange County North Carolina | 3 | $ 1,155,000 | $ 385,000 | $ 60,000 |
| Franklin County Ohio | 3 | $ 1,285,000 | $ 428,000 | $ 333,000 |
| Allegheny County Pennsylvania | 3 | $ 2,315,000 | $ 771,000 | $ 409,000 |
| Cumberland County Pennsylvania | 3 | $ 6,155,000 | $ 2,051,000 | $ 38,000 |
| Anderson County South Carolina | 3 | $ 8,075,000 | $ 2,691,000 | $ 0 |
| Oconee County South Carolina | 3 | $ 1,005,000 | $ 335,000 | $ 179,000 |
| Bedford County Virginia | 3 | $ 1,725,000 | $ 575,000 | $ 740,000 |
| Clarke County Virginia | 3 | $ 705,000 | $ 235,000 | $ 125,000 |
| Culpeper County Virginia | 3 | $ 375,000 | $ 125,000 | $ 139,000 |
| Manassas Park County Virginia | 3 | $ 375,000 | $ 125,000 | $ 46,000 |
| New Kent County Virginia | 3 | $ 1,175,000 | $ 391,000 | $ 151,000 |
| Mercer County West Virginia | 3 | $ 1,875,000 | $ 625,000 | $ 183,000 |
| Mingo County West Virginia | 3 | $ 395,000 | $ 131,000 | $ 65,000 |
| Taylor County West Virginia | 3 | $ 655,000 | $ 218,000 | $ 99,000 |
| Bay County Florida | 2 | $ 750,000 | $ 375,000 | $ 94,000 |
| Broward County Florida | 2 | $ 460,000 | $ 230,000 | $ 129,000 |
| Flagler County Florida | 2 | $ 1,080,000 | $ 540,000 | $ 220,000 |
| Miami-Dade County Florida | 2 | $ 560,000 | $ 280,000 | $ 128,000 |
| Sarasota County Florida | 2 | $ 510,000 | $ 255,000 | $ 233,000 |
| St. Johns County Florida | 2 | $ 1,370,000 | $ 685,000 | $ 238,000 |
| Sumter County Florida | 2 | $ 510,000 | $ 255,000 | $ 0 |
| Allegany County Maryland | 2 | $ 540,000 | $ 270,000 | $ 176,000 |
| Carroll County Maryland | 2 | $ 690,000 | $ 345,000 | $ 289,000 |
| Garrett County Maryland | 2 | $ 2,480,000 | $ 1,240,000 | $ 576,000 |
| Queen Anne's County Maryland | 2 | $ 820,000 | $ 410,000 | $ 420,000 |
| St. Mary's County Maryland | 2 | $ 1,220,000 | $ 610,000 | $ 241,000 |
| Benzie County Michigan | 2 | $ 1,920,000 | $ 960,000 | $ 537,000 |
| Martin County North Carolina | 2 | $ 40,000 | $ 20,000 | $ 56,000 |
| Transylvania County North Carolina | 2 | $ 470,000 | $ 235,000 | $ 112,000 |
| Union County North Carolina | 2 | $ 360,000 | $ 180,000 | $ 176,000 |
| Columbiana County Ohio | 2 | $ 680,000 | $ 340,000 | $ 0 |
| Indiana County Pennsylvania | 2 | $ 190,000 | $ 95,000 | $ 0 |
| Westmoreland County Pennsylvania | 2 | $ 310,000 | $ 155,000 | $ 193,000 |
| Florence County South Carolina | 2 | $ 420,000 | $ 210,000 | $ 444,000 |
| Orangeburg County South Carolina | 2 | $ 250,000 | $ 125,000 | $ 93,000 |
| Pickens County South Carolina | 2 | $ 390,000 | $ 195,000 | $ 239,000 |
| Williamson County Tennessee | 2 | $ 2,130,000 | $ 1,065,000 | $ 299,000 |
| Brunswick County Virginia | 2 | $ 1,090,000 | $ 545,000 | $ 593,000 |
| Caroline County Virginia | 2 | $ 360,000 | $ 180,000 | $ 45,000 |
| Essex County Virginia | 2 | $ 690,000 | $ 345,000 | $ 121,000 |
| Fluvanna County Virginia | 2 | $ 210,000 | $ 105,000 | $ 156,000 |
| Monroe County West Virginia | 2 | $ 310,000 | $ 155,000 | $ 99,000 |
| Pocahontas County West Virginia | 2 | $ 280,000 | $ 140,000 | $ 1,551,000 |
| Yavapai County Arizona | 1 | $ 605,000 | $ 605,000 | $ 0 |
| Brevard County Florida | 1 | $ 325,000 | $ 325,000 | $ 70,000 |
| Leon County Florida | 1 | $ 95,000 | $ 95,000 | $ 239,000 |
| Monroe County Florida | 1 | $ 2,305,000 | $ 2,305,000 | $ 0 |
| Orange County Florida | 1 | $ 205,000 | $ 205,000 | $ 74,000 |
| Pinellas County Florida | 1 | $ 705,000 | $ 705,000 | $ 211,000 |
| St. Lucie County Florida | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Volusia County Florida | 1 | $ 135,000 | $ 135,000 | $ 77,000 |
| Walton County Florida | 1 | $ 855,000 | $ 855,000 | $ 3,150,000 |
| Clarke County Georgia | 1 | $ 835,000 | $ 835,000 | $ 0 |
| Bourbon County Kentucky | 1 | $ 25,000 | $ 25,000 | $ 459,000 |
| Elliott County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 43,000 |
| Fayette County Kentucky | 1 | $ 1,125,000 | $ 1,125,000 | $ 500,000 |
| Greenup County Kentucky | 1 | $ 115,000 | $ 115,000 | $ 38,000 |
| Charles County Maryland | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Talbot County Maryland | 1 | $ 1,805,000 | $ 1,805,000 | $ 595,000 |
| Nantucket County Massachusetts | 1 | $ 2,275,000 | $ 2,275,000 | $ 562,000 |
| Avery County North Carolina | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Camden County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 350,000 |
| Davidson County North Carolina | 1 | $ 405,000 | $ 405,000 | $ 0 |
| Greene County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 66,000 |
| Guilford County North Carolina | 1 | $ 2,135,000 | $ 2,135,000 | $ 0 |
| Halifax County North Carolina | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Henderson County North Carolina | 1 | $ 785,000 | $ 785,000 | $ 0 |
| Hoke County North Carolina | 1 | $ 55,000 | $ 55,000 | $ 134,000 |
| Jones County North Carolina | 1 | $ 105,000 | $ 105,000 | $ 63,000 |
| Lee County North Carolina | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Moore County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 0 |
| Person County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 301,000 |
| Randolph County North Carolina | 1 | $ 295,000 | $ 295,000 | $ 51,000 |
| Scotland County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 37,000 |
| Stanly County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Swain County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 108,000 |
| Warren County North Carolina | 1 | $ 755,000 | $ 755,000 | $ 244,000 |
| Washington County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 149,000 |
| Watauga County North Carolina | 1 | $ 3,405,000 | $ 3,405,000 | $ 0 |
| Wilkes County North Carolina | 1 | $ 705,000 | $ 705,000 | $ 318,000 |
| Carroll County Ohio | 1 | $ 195,000 | $ 195,000 | $ 144,000 |
| Gallia County Ohio | 1 | $ 25,000 | $ 25,000 | $ 40,000 |
| Mahoning County Ohio | 1 | $ 135,000 | $ 135,000 | $ 120,000 |
| Pickaway County Ohio | 1 | $ 5,485,000 | $ 5,485,000 | $ 0 |
| Scioto County Ohio | 1 | $ 895,000 | $ 895,000 | $ 19,000 |
| Chester County Pennsylvania | 1 | $ 295,000 | $ 295,000 | $ 335,000 |
| Clearfield County Pennsylvania | 1 | $ 105,000 | $ 105,000 | $ 0 |
| Lehigh County Pennsylvania | 1 | $ 375,000 | $ 375,000 | $ 137,000 |
| Montgomery County Pennsylvania | 1 | $ 1,465,000 | $ 1,465,000 | $ 907,000 |
| Somerset County Pennsylvania | 1 | $ 305,000 | $ 305,000 | $ 444,000 |
| Bamberg County South Carolina | 1 | $ 125,000 | $ 125,000 | $ 0 |
| Fairfield County South Carolina | 1 | $ 305,000 | $ 305,000 | $ 73,000 |
| Jasper County South Carolina | 1 | $ 415,000 | $ 415,000 | $ 240,000 |
| Laurens County South Carolina | 1 | $ 1,405,000 | $ 1,405,000 | $ 0 |
| Sumner County Tennessee | 1 | $ 1,405,000 | $ 1,405,000 | $ 1,410,000 |
| Accomack County Virginia | 1 | $ 185,000 | $ 185,000 | $ 101,000 |
| Buckingham County Virginia | 1 | $ 295,000 | $ 295,000 | $ 114,000 |
| Campbell County Virginia | 1 | $ 205,000 | $ 205,000 | $ 467,000 |
| Danville County Virginia | 1 | $ 385,000 | $ 385,000 | $ 0 |
| Floyd County Virginia | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Franklin County Virginia | 1 | $ 895,000 | $ 895,000 | $ 655,000 |
| James City County Virginia | 1 | $ 255,000 | $ 255,000 | $ 0 |
| King George County Virginia | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Mathews County Virginia | 1 | $ 735,000 | $ 735,000 | $ 481,000 |
| Mecklenburg County Virginia | 1 | $ 145,000 | $ 145,000 | $ 51,000 |
| Middlesex County Virginia | 1 | $ 565,000 | $ 565,000 | $ 528,000 |
| Nelson County Virginia | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Newport News County Virginia | 1 | $ 615,000 | $ 615,000 | $ 170,000 |
| Northumberland County Virginia | 1 | $ 55,000 | $ 55,000 | $ 134,000 |
| Portsmouth County Virginia | 1 | $ 155,000 | $ 155,000 | $ 98,000 |
| Richmond County Virginia | 1 | $ 135,000 | $ 135,000 | $ 100,000 |
| Roanoke City County Virginia | 1 | $ 175,000 | $ 175,000 | $ 148,000 |
| Westmoreland County Virginia | 1 | $ 605,000 | $ 605,000 | $ 201,000 |
| York County Virginia | 1 | $ 725,000 | $ 725,000 | $ 326,000 |
| Boone County West Virginia | 1 | $ 115,000 | $ 115,000 | $ 52,000 |
| Clay County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Hampshire County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 106,000 |
| McDowell County West Virginia | 1 | $ 105,000 | $ 105,000 | $ 75,000 |
| Mineral County West Virginia | 1 | $ 85,000 | $ 85,000 | $ 92,000 |
| Pleasants County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 79,000 |
| Tucker County West Virginia | 1 | $ 585,000 | $ 585,000 | $ 237,000 |
| Tyler County West Virginia | 1 | $ 65,000 | $ 65,000 | $ 84,000 |
| Wetzel County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 41,000 |
| Wirt County West Virginia | 1 | $ 75,000 | $ 75,000 | $ 73,000 |
| Wyoming County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 25,000 |
| Burnett County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 221,000 |
Mortgage Loan Application Detail Totals for United Bank in 2021
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 | 2,023 | $992,495,000 | $490,000 | $45,065,000 | $186,000 | $5,735,000 |
| Refinancing | 1,218 | $583,350,000 | $478,000 | $95,005,000 | $167,000 | $2,198,000 |
| Home Improvement | 802 | $103,330,000 | $128,000 | $4,255,000 | $177,000 | $3,258,000 |
| Other Purpose | 437 | $65,645,000 | $150,000 | $1,505,000 | $168,000 | $1,433,000 |
| Cash-out Refinancing | 315 | $64,105,000 | $203,000 | $2,005,000 | $105,000 | $1,229,000 |
| 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 | 2,663 | $585,055,000 | $219,000 | $4,085,000 | $171,000 | $3,258,000 |
| Not applicable | 1,482 | $1,099,730,000 | $742,000 | $95,005,000 | $187,000 | $5,735,000 |
| Not Provided | 303 | $63,385,000 | $209,000 | $2,105,000 | $157,000 | $3,392,000 |
| Asian | 115 | $23,165,000 | $201,000 | $835,000 | $163,000 | $581,000 |
| Black or African American | 109 | $16,285,000 | $149,000 | $805,000 | $111,000 | $504,000 |
| Hispanic | 97 | $16,165,000 | $166,000 | $1,505,000 | $146,000 | $1,433,000 |
| American Indian or Alaskan Native | 7 | $845,000 | $120,000 | $255,000 | $150,000 | $580,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $645,000 | $215,000 | $505,000 | $296,000 | $753,000 |
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) | 4,664 | $1,781,040,000 | $381,000 | $95,005,000 | $175,000 | $5,735,000 |
| FHA-insured (Federal Housing Administration) | 57 | $11,065,000 | $194,000 | $385,000 | $58,000 | $140,000 |
| VA-guaranteed (Veterans Administration) | 52 | $13,400,000 | $257,000 | $765,000 | $101,000 | $444,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 22 | $3,420,000 | $155,000 | $255,000 | $48,000 | $74,000 |
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 | 2,646 | $1,062,530,000 | $401,000 | $95,005,000 | $185,000 | $3,258,000 |
| Loan Purchased By The Institution | 1,072 | $531,100,000 | $495,000 | $2,495,000 | $187,000 | $5,735,000 |
| Application Denied By Financial Institution | 649 | $108,345,000 | $166,000 | $2,505,000 | $110,000 | $2,107,000 |
| Application Withdrawn By Applicant | 343 | $89,405,000 | $260,000 | $3,005,000 | $169,000 | $3,392,000 |
| Application Approved But Not Accepted | 38 | $5,860,000 | $154,000 | $875,000 | $138,000 | $587,000 |
| File Closed For Incompleteness | 32 | $6,710,000 | $209,000 | $575,000 | $138,000 | $744,000 |
| Preapproval Approved but not Accepted | 12 | $4,540,000 | $378,000 | $2,245,000 | $117,000 | $761,000 |
| Preapproval Denied by Financial Institution | 3 | $435,000 | $145,000 | $205,000 | $39,000 | $69,000 |
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 | 4,143 | $1,700,145,000 | $410,000 | $95,005,000 | $183,000 | $5,735,000 |
| Debt-To-Income Ratio | 246 | $52,460,000 | $213,000 | $2,505,000 | $84,000 | $1,200,000 |
| Credit History | 197 | $21,515,000 | $109,000 | $1,405,000 | $86,000 | $666,000 |
| Collateral | 132 | $20,920,000 | $158,000 | $1,125,000 | $191,000 | $2,107,000 |
| Other | 28 | $4,150,000 | $148,000 | $535,000 | $142,000 | $893,000 |
| Credit Application Incomplete | 22 | $4,870,000 | $221,000 | $935,000 | $105,000 | $294,000 |
| Unverifiable Information | 13 | $3,205,000 | $246,000 | $505,000 | $133,000 | $356,000 |
| Employment History | 13 | $1,605,000 | $123,000 | $245,000 | $42,000 | $108,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $55,000 | $55,000 | $55,000 | $37,000 | $37,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank's 2021 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.
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with aggregated HMDA statistics today.