United Bank VA Mortgage Lending & HMDA Data, 2020
In 2020, United Bank VA of Morgantown, WV reported 4,999 mortgage applications totaling $1.4 billion, up 27% from 2019. The average application was for $273,807, and applicants reported an average income of $170,070. 51% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Washington-Arlington-Alexandria, DC-VA-MD-WV (1,079), Myrtle Beach-Conway-North Myrtle Beach, SC-NC (416) and Huntington-Ashland, WV-KY-OH (274) (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 | 4,999 |
| Total Mortgage Loan Application Amount | $1,368,765,000 |
| Average Mortgage Loan Application Amount | $273,807 |
| Highest Mortgage Loan Application Amount | $10,005,000 |
| Average Applicant Income | $170,070 |
| Highest Applicant Income | $7,036,000 |
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Act (HMDA) records United Bank VA filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 | 1,079 | $ 432,775,000 | $ 401,088 | $ 218,882 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 416 | $ 89,090,000 | $ 214,158 | $ 174,312 |
| Outside any metro area | 378 | $ 72,090,000 | $ 190,714 | $ 125,111 |
| Huntington-Ashland, WV-KY-OH | 274 | $ 55,130,000 | $ 201,204 | $ 148,963 |
| Morgantown, WV | 258 | $ 54,320,000 | $ 210,542 | $ 146,000 |
| Charleston, WV | 257 | $ 47,695,000 | $ 185,583 | $ 154,000 |
| Charlotte-Concord-Gastonia, NC-SC | 181 | $ 58,585,000 | $ 323,674 | $ 172,204 |
| Washington-Baltimore-Arlington, DC | 161 | $ 89,615,000 | $ 556,614 | $ 291,000 |
| Hagerstown-Martinsburg, MD-WV | 153 | $ 27,735,000 | $ 181,274 | $ 122,339 |
| Parkersburg-Vienna, WV | 119 | $ 21,105,000 | $ 177,352 | $ 198,000 |
| Wheeling, WV-OH | 119 | $ 15,445,000 | $ 129,789 | $ 88,117 |
| Charleston-North Charleston, SC | 117 | $ 30,545,000 | $ 261,068 | $ 115,000 |
| Pittsburgh, PA | 113 | $ 14,825,000 | $ 131,194 | $ 118,000 |
| Beckley, WV | 109 | $ 15,125,000 | $ 138,761 | $ 99,000 |
| Richmond, VA | 107 | $ 40,925,000 | $ 382,476 | $ 205,000 |
| Hickory-Lenoir-Morganton, NC | 65 | $ 9,025,000 | $ 138,846 | $ 168,000 |
| Harrisonburg, VA | 61 | $ 9,765,000 | $ 160,081 | $ 121,000 |
| Baltimore-Columbia-Towson, MD | 54 | $ 37,930,000 | $ 702,407 | $ 389,000 |
| Charlottesville, VA | 52 | $ 9,760,000 | $ 187,692 | $ 149,000 |
| Winchester, VA-WV | 48 | $ 9,680,000 | $ 201,666 | $ 135,000 |
| Raleigh, NC | 47 | $ 14,925,000 | $ 317,553 | $ 133,000 |
| Wilmington, NC | 47 | $ 13,375,000 | $ 284,574 | $ 187,000 |
| Greenville-Anderson-Mauldin, SC | 45 | $ 12,215,000 | $ 271,444 | $ 114,000 |
| Greenville, NC | 33 | $ 4,545,000 | $ 137,727 | $ 101,000 |
| Columbia, SC | 28 | $ 8,700,000 | $ 310,714 | $ 111,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 28 | $ 16,810,000 | $ 600,357 | $ 360,000 |
| Staunton-Waynesboro, VA | 28 | $ 4,660,000 | $ 166,428 | $ 184,000 |
| New Bern, NC | 27 | $ 5,005,000 | $ 185,370 | $ 107,000 |
| Weirton-Steubenville, WV-OH | 23 | $ 2,055,000 | $ 89,347 | $ 83,956 |
| Durham-Chapel Hill, NC | 18 | $ 6,860,000 | $ 381,111 | $ 128,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 17 | $ 7,635,000 | $ 449,117 | $ 225,411 |
| Rocky Mount, NC | 16 | $ 1,970,000 | $ 123,125 | $ 75,000 |
| Fayetteville, NC | 14 | $ 2,590,000 | $ 185,000 | $ 78,000 |
| Salisbury, MD-DE | 14 | $ 8,140,000 | $ 581,428 | $ 449,571 |
| Winston-Salem, NC | 12 | $ 4,170,000 | $ 347,500 | $ 70,000 |
| Spartanburg, SC | 10 | $ 1,580,000 | $ 158,000 | $ 96,000 |
| Chambersburg-Waynesboro, PA | 9 | $ 1,595,000 | $ 177,222 | $ 122,000 |
| Naples-Immokalee-Marco Island, FL | 6 | $ 2,790,000 | $ 465,000 | $ 797,000 |
| Jacksonville, NC | 5 | $ 1,205,000 | $ 241,000 | $ 83,000 |
| Goldsboro, NC | 4 | $ 280,000 | $ 70,000 | $ 57,000 |
| Orlando-Kissimmee-Sanford, FL | 4 | $ 2,810,000 | $ 702,500 | $ 465,000 |
| Asheville, NC | 3 | $ 1,035,000 | $ 345,000 | $ 260,000 |
| Columbus, OH | 3 | $ 6,045,000 | $ 2,015,000 | $ 205,000 |
| Greensboro-High Point, NC | 3 | $ 5,775,000 | $ 1,925,000 | $ 176,000 |
| Tampa-St. Petersburg-Clearwater, FL | 3 | $ 915,000 | $ 305,000 | $ 188,000 |
| Crestview-Fort Walton Beach-Destin, FL | 2 | $ 1,200,000 | $ 600,000 | $ 855,000 |
| Jacksonville, FL | 2 | $ 4,490,000 | $ 2,245,000 | $ 3,619,000 |
| Lynchburg, VA | 2 | $ 360,000 | $ 180,000 | $ 276,000 |
| Roanoke, VA | 2 | $ 570,000 | $ 285,000 | $ 152,000 |
| Sumter, SC | 2 | $ 190,000 | $ 95,000 | $ 29,000 |
| Akron, OH | 1 | $ 455,000 | $ 455,000 | $ 191,000 |
| Ann Arbor, MI | 1 | $ 455,000 | $ 455,000 | $ 2,260,000 |
| Atlanta-Sandy Springs-Roswell, GA | 1 | $ 25,000 | $ 25,000 | $ 165,000 |
| Birmingham-Hoover, AL | 1 | $ 425,000 | $ 425,000 | $ 202,000 |
| Blacksburg-Christiansburg-Radford, VA | 1 | $ 335,000 | $ 335,000 | $ 159,000 |
| Burlington, NC | 1 | $ 285,000 | $ 285,000 | $ 0 |
| Cincinnati, OH-KY-IN | 1 | $ 235,000 | $ 235,000 | $ 180,000 |
| Cleveland-Elyria, OH | 1 | $ 65,000 | $ 65,000 | $ 19,000 |
| Cumberland, MD-WV | 1 | $ 315,000 | $ 315,000 | $ 95,000 |
| Denver-Aurora-Lakewood, CO | 1 | $ 185,000 | $ 185,000 | $ 58,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 125,000 | $ 125,000 | $ 302,000 |
| Gainesville, GA | 1 | $ 475,000 | $ 475,000 | $ 82,000 |
| Harrisburg-Carlisle, PA | 1 | $ 615,000 | $ 615,000 | $ 0 |
| Houston-The Woodlands-Sugar Land, TX | 1 | $ 245,000 | $ 245,000 | $ 106,000 |
| Kingsport-Bristol-Bristol, TN-VA | 1 | $ 55,000 | $ 55,000 | $ 63,000 |
| Lexington-Fayette, KY | 1 | $ 1,155,000 | $ 1,155,000 | $ 450,000 |
| Mansfield, OH | 1 | $ 105,000 | $ 105,000 | $ 286,000 |
| Montgomery County-Bucks County-Chester County, PA | 1 | $ 485,000 | $ 485,000 | $ 310,000 |
| Nassau County-Suffolk County, NY | 1 | $ 545,000 | $ 545,000 | $ 201,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 355,000 | $ 355,000 | $ 0 |
| Ocala, FL | 1 | $ 565,000 | $ 565,000 | $ 450,000 |
| Philadelphia, PA | 1 | $ 1,085,000 | $ 1,085,000 | $ 179,000 |
| Port St. Lucie, FL | 1 | $ 115,000 | $ 115,000 | $ 202,000 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 185,000 | $ 185,000 | $ 111,000 |
| Punta Gorda, FL | 1 | $ 465,000 | $ 465,000 | $ 175,000 |
| Sebastian-Vero Beach, FL | 1 | $ 225,000 | $ 225,000 | $ 489,000 |
| Waco, TX | 1 | $ 485,000 | $ 485,000 | $ 206,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 515,000 | $ 515,000 | $ 853,000 |
| York-Hanover, PA | 1 | $ 45,000 | $ 45,000 | $ 85,000 |
Mortgage Loan Application Detail Totals for United Bank VA in 2020
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 | 2,220 | $715,860,000 | $322,000 | $7,615,000 | $160,000 | $3,537,000 |
| Refinancing | 1,457 | $439,135,000 | $301,000 | $10,005,000 | $188,000 | $7,036,000 |
| Home Improvement | 521 | $55,465,000 | $106,000 | $645,000 | $167,000 | $2,301,000 |
| Other Purpose | 500 | $59,540,000 | $119,000 | $2,005,000 | $173,000 | $2,584,000 |
| Cash-out Refinancing | 301 | $98,765,000 | $328,000 | $1,995,000 | $158,000 | $2,260,000 |
| 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 | 3,245 | $647,245,000 | $199,000 | $3,975,000 | $161,000 | $7,036,000 |
| Not applicable | 1,261 | $618,395,000 | $490,000 | $10,005,000 | $195,000 | $3,537,000 |
| Not Provided | 187 | $43,775,000 | $234,000 | $1,735,000 | $209,000 | $2,128,000 |
| Asian | 111 | $23,345,000 | $210,000 | $905,000 | $180,000 | $885,000 |
| Black or African American | 105 | $19,625,000 | $186,000 | $885,000 | $153,000 | $1,257,000 |
| Hispanic | 64 | $12,630,000 | $197,000 | $2,245,000 | $149,000 | $698,000 |
| American Indian or Alaskan Native | 8 | $1,240,000 | $155,000 | $485,000 | $193,000 | $437,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $115,000 | $115,000 | $115,000 | $202,000 | $202,000 |
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) | 4,774 | $1,323,290,000 | $277,000 | $10,005,000 | $174,000 | $7,036,000 |
| VA-guaranteed (Veterans Administration) | 101 | $26,705,000 | $264,000 | $695,000 | $99,000 | $450,000 |
| FHA-insured (Federal Housing Administration) | 67 | $10,985,000 | $163,000 | $315,000 | $71,000 | $458,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 57 | $7,785,000 | $136,000 | $305,000 | $50,000 | $101,000 |
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 | 2,573 | $599,055,000 | $232,000 | $10,005,000 | $189,000 | $7,036,000 |
| Loan Purchased By The Institution | 1,008 | $502,880,000 | $498,000 | $3,795,000 | $195,000 | $3,537,000 |
| Application Denied By Financial Institution | 612 | $100,030,000 | $163,000 | $3,725,000 | $114,000 | $1,480,000 |
| Application Withdrawn By Applicant | 277 | $61,045,000 | $220,000 | $1,735,000 | $151,000 | $1,419,000 |
| Preapproval Denied by Financial Institution | 241 | $28,855,000 | $119,000 | $905,000 | $65,000 | $1,887,000 |
| Preapproval Approved but not Accepted | 159 | $42,605,000 | $267,000 | $2,405,000 | $116,000 | $1,354,000 |
| Application Approved But Not Accepted | 129 | $34,295,000 | $265,000 | $3,205,000 | $206,000 | $1,657,000 |
| 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 | 4,146 | $1,239,880,000 | $299,000 | $10,005,000 | $185,000 | $7,036,000 |
| Credit History | 342 | $37,310,000 | $109,000 | $1,075,000 | $80,000 | $924,000 |
| Debt-To-Income Ratio | 239 | $42,795,000 | $179,000 | $1,685,000 | $81,000 | $628,000 |
| Collateral | 118 | $19,530,000 | $165,000 | $1,705,000 | $154,000 | $749,000 |
| Credit Application Incomplete | 82 | $17,080,000 | $208,000 | $3,725,000 | $134,000 | $1,887,000 |
| Other | 47 | $9,235,000 | $196,000 | $905,000 | $156,000 | $895,000 |
| Employment History | 12 | $1,510,000 | $125,000 | $515,000 | $80,000 | $224,000 |
| Unverifiable Information | 7 | $875,000 | $125,000 | $255,000 | $50,000 | $78,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $550,000 | $91,000 | $195,000 | $43,000 | $101,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank VA's 2020 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.
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with aggregated HMDA statistics today.
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