United Bank VA Mortgage Lending & HMDA Data, 2018
In 2018, United Bank VA of Morgantown, WV reported 4,406 mortgage applications totaling $1.4 billion, up 69% from 2017. The average application was for $319,675, and applicants reported an average income of $161,408. 42% of its applications resulted in an originated loan and 11% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,395), Silver Spring-Frederick-Rockville, MD (259) and Morgantown, WV (236) (applications in parentheses).
| Mortgage Company & Address | United Bank VA Morgantown, WV 26505 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 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 | $319,675 |
| Highest Mortgage Loan Application Amount | $25,915,000 |
| Average Applicant Income | $161,408 |
| Highest Applicant Income | $4,494,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Bank VA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 1,395 | $ 599,425,000 | $ 429,695 | $ 207,963 |
| Outside any metro area | 281 | $ 42,995,000 | $ 153,007 | $ 116,139 |
| Silver Spring-Frederick-Rockville, MD | 259 | $ 143,725,000 | $ 554,922 | $ 222,000 |
| Morgantown, WV | 236 | $ 45,190,000 | $ 191,483 | $ 147,000 |
| Charleston, WV | 227 | $ 39,115,000 | $ 172,312 | $ 139,000 |
| Hagerstown-Martinsburg, MD-WV | 212 | $ 33,500,000 | $ 158,018 | $ 122,018 |
| Huntington-Ashland, WV-KY-OH | 191 | $ 39,805,000 | $ 208,403 | $ 130,020 |
| Beckley, WV | 143 | $ 20,285,000 | $ 141,853 | $ 90,000 |
| Baltimore-Columbia-Towson, MD | 138 | $ 81,310,000 | $ 589,202 | $ 209,000 |
| Richmond, VA | 123 | $ 48,085,000 | $ 390,934 | $ 169,000 |
| Wheeling, WV-OH | 115 | $ 11,015,000 | $ 95,782 | $ 70,600 |
| Parkersburg-Vienna, WV | 105 | $ 18,215,000 | $ 173,476 | $ 103,000 |
| Pittsburgh, PA | 101 | $ 14,255,000 | $ 141,138 | $ 94,000 |
| Winchester, VA-WV | 69 | $ 13,395,000 | $ 194,130 | $ 104,463 |
| Harrisonburg, VA | 67 | $ 39,265,000 | $ 586,044 | $ 139,000 |
| Charlottesville, VA | 44 | $ 29,870,000 | $ 678,863 | $ 136,000 |
| Weirton-Steubenville, WV-OH | 39 | $ 2,665,000 | $ 68,333 | $ 56,923 |
| Hilton Head Island-Bluffton-Beaufort, SC | 38 | $ 19,440,000 | $ 511,578 | $ 276,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 37 | $ 15,265,000 | $ 412,567 | $ 164,000 |
| Charlotte-Concord-Gastonia, NC-SC | 34 | $ 15,550,000 | $ 457,352 | $ 191,823 |
| Staunton-Waynesboro, VA | 30 | $ 4,020,000 | $ 134,000 | $ 145,000 |
| Hickory-Lenoir-Morganton, NC | 19 | $ 6,615,000 | $ 348,157 | $ 141,000 |
| Raleigh, NC | 16 | $ 6,580,000 | $ 411,250 | $ 150,000 |
| Salisbury, MD-DE | 13 | $ 8,785,000 | $ 675,769 | $ 339,000 |
| Chambersburg-Waynesboro, PA | 11 | $ 2,385,000 | $ 216,818 | $ 120,000 |
| Canton-Massillon, OH | 10 | $ 150,000 | $ 15,000 | $ 47,000 |
| Charleston-North Charleston, SC | 9 | $ 4,235,000 | $ 470,555 | $ 274,000 |
| Akron, OH | 5 | $ 185,000 | $ 37,000 | $ 76,000 |
| Cleveland-Elyria, OH | 5 | $ 215,000 | $ 43,000 | $ 60,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 5 | $ 1,305,000 | $ 261,000 | $ 178,600 |
| Naples-Immokalee-Marco Island, FL | 5 | $ 2,645,000 | $ 529,000 | $ 454,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 1,695,000 | $ 339,000 | $ 633,000 |
| Winston-Salem, NC | 4 | $ 1,370,000 | $ 342,500 | $ 196,000 |
| Cape Coral-Fort Myers, FL | 3 | $ 1,175,000 | $ 391,666 | $ 246,000 |
| Cincinnati, OH-KY-IN | 3 | $ 265,000 | $ 88,333 | $ 109,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 3 | $ 775,000 | $ 258,333 | $ 131,000 |
| Louisville/Jefferson County, KY-IN | 3 | $ 1,685,000 | $ 561,666 | $ 0 |
| Columbia, SC | 2 | $ 500,000 | $ 250,000 | $ 171,000 |
| Columbus, OH | 2 | $ 60,000 | $ 30,000 | $ 112,000 |
| Durham-Chapel Hill, NC | 2 | $ 740,000 | $ 370,000 | $ 161,000 |
| Dutchess County-Putnam County, NY | 2 | $ 50,000 | $ 25,000 | $ 47,000 |
| Greenville-Anderson-Mauldin, SC | 2 | $ 920,000 | $ 460,000 | $ 268,000 |
| Jacksonville, FL | 2 | $ 460,000 | $ 230,000 | $ 173,000 |
| Lynchburg, VA | 2 | $ 780,000 | $ 390,000 | $ 453,000 |
| Mansfield, OH | 2 | $ 180,000 | $ 90,000 | $ 88,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 1,320,000 | $ 660,000 | $ 782,000 |
| New York-Jersey City-White Plains, NY-NJ | 2 | $ 270,000 | $ 135,000 | $ 64,000 |
| Philadelphia, PA | 2 | $ 940,000 | $ 470,000 | $ 148,000 |
| Roanoke, VA | 2 | $ 730,000 | $ 365,000 | $ 257,000 |
| State College, PA | 2 | $ 610,000 | $ 305,000 | $ 253,000 |
| Wilmington, DE-MD-NJ | 2 | $ 1,320,000 | $ 660,000 | $ 999,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 465,000 | $ 465,000 | $ 150,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 475,000 | $ 475,000 | $ 174,000 |
| California-Lexington Park, MD | 1 | $ 5,000 | $ 5,000 | $ 104,000 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 105,000 | $ 105,000 | $ 91,000 |
| Cumberland, MD-WV | 1 | $ 715,000 | $ 715,000 | $ 244,000 |
| Erie, PA | 1 | $ 455,000 | $ 455,000 | $ 248,000 |
| Fayetteville, NC | 1 | $ 125,000 | $ 125,000 | $ 40,000 |
| Greensboro-High Point, NC | 1 | $ 315,000 | $ 315,000 | $ 116,000 |
| Harrisburg-Carlisle, PA | 1 | $ 275,000 | $ 275,000 | $ 55,000 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 1,135,000 | $ 1,135,000 | $ 450,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 325,000 | $ 325,000 | $ 0 |
| Knoxville, TN | 1 | $ 625,000 | $ 625,000 | $ 288,000 |
| Lancaster, PA | 1 | $ 15,000 | $ 15,000 | $ 131,000 |
| Lexington-Fayette, KY | 1 | $ 7,905,000 | $ 7,905,000 | $ 0 |
| Morristown, TN | 1 | $ 315,000 | $ 315,000 | $ 300,000 |
| North Port-Sarasota-Bradenton, FL | 1 | $ 605,000 | $ 605,000 | $ 1,300,000 |
| Panama City, FL | 1 | $ 395,000 | $ 395,000 | $ 528,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Sebastian-Vero Beach, FL | 1 | $ 2,195,000 | $ 2,195,000 | $ 1,126,000 |
| Shreveport-Bossier City, LA | 1 | $ 195,000 | $ 195,000 | $ 450,000 |
| Syracuse, NY | 1 | $ 25,000 | $ 25,000 | $ 126,000 |
| Youngstown-Warren-Boardman, OH-PA | 1 | $ 5,000 | $ 5,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for United Bank VA 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 VA'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 VA'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 West Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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