United Capital Mortgage Mortgage Lending & HMDA Data, 2007
In 2007, United Capital Mortgage of Johnson City, TN reported 3,077 mortgage applications totaling $427.8 million, down 16% from 2006. The average application was for $139,024, and applicants reported an average income of $61,539. 56% of its applications resulted in an originated loan and 18% were denied. Its largest markets were Knoxville, TN (465), Virginia Beach-Norfolk-Newport News, VA-NC (311) and Chattanooga, TN-GA (310) (applications in parentheses).
| Mortgage Company & Address | United Capital Mortgage 2203 McKinley Rd, Suite 130 Johnson City, TN 37604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2007 2006 |
| Total Number of Mortgage Applications | 3,077 |
| Total Mortgage Loan Application Amount | $427,779,000 |
| Average Mortgage Loan Application Amount | $139,024 |
| Highest Mortgage Loan Application Amount | $1,279,000 |
| Average Applicant Income | $61,539 |
| Highest Applicant Income | $1,641,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Capital Mortgage filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Knoxville, TN | 465 | $ 59,453,000 | $ 127,855 | $ 62,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 311 | $ 58,041,000 | $ 186,627 | $ 75,028 |
| Chattanooga, TN-GA | 310 | $ 35,566,000 | $ 114,729 | $ 56,941 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 239 | $ 34,612,000 | $ 144,820 | $ 65,000 |
| Johnson City, TN | 210 | $ 21,109,000 | $ 100,519 | $ 44,000 |
| Kingsport-Bristol-Bristol, TN-VA | 148 | $ 14,407,000 | $ 97,344 | $ 41,885 |
| Morristown, TN | 80 | $ 10,861,000 | $ 135,762 | $ 60,000 |
| Atlanta-Sandy Springs-Marietta, GA | 49 | $ 8,597,000 | $ 175,448 | $ 76,000 |
| Baltimore-Towson, MD | 46 | $ 10,266,000 | $ 223,173 | $ 74,000 |
| Washington-Arlington-Alexandria, DC-VA-MD-WV | 40 | $ 11,137,000 | $ 278,425 | $ 100,600 |
| Memphis, TN-MS-AR | 33 | $ 3,474,000 | $ 105,272 | $ 58,000 |
| Cleveland, TN | 30 | $ 3,567,000 | $ 118,900 | $ 43,000 |
| Richmond, VA | 24 | $ 3,555,000 | $ 148,125 | $ 52,000 |
| Clarksville, TN-KY | 17 | $ 1,773,000 | $ 104,294 | $ 42,411 |
| Dalton, GA | 16 | $ 1,888,000 | $ 118,000 | $ 35,000 |
| Bethesda-Gaithersburg-Frederick, MD | 13 | $ 5,607,000 | $ 431,307 | $ 138,000 |
| Roanoke, VA | 11 | $ 1,046,000 | $ 95,090 | $ 43,000 |
| Jackson, TN | 9 | $ 921,000 | $ 102,333 | $ 57,000 |
| Blacksburg-Christiansburg-Radford, VA | 8 | $ 1,007,000 | $ 125,875 | $ 58,000 |
| Lynchburg, VA | 8 | $ 1,038,000 | $ 129,750 | $ 53,000 |
| Indianapolis-Carmel, IN | 7 | $ 639,000 | $ 91,285 | $ 63,000 |
| New Orleans-Metairie-Kenner, LA | 7 | $ 1,192,000 | $ 170,285 | $ 98,000 |
| Asheville, NC | 6 | $ 882,000 | $ 147,000 | $ 55,000 |
| Charlotte-Gastonia-Concord, NC-SC | 6 | $ 819,000 | $ 136,500 | $ 35,000 |
| Lake Charles, LA | 6 | $ 656,000 | $ 109,333 | $ 51,000 |
| Raleigh-Cary, NC | 6 | $ 589,000 | $ 98,166 | $ 42,000 |
| Shreveport-Bossier City, LA | 6 | $ 583,000 | $ 97,166 | $ 53,000 |
| Augusta-Richmond County, GA-SC | 5 | $ 488,000 | $ 97,600 | $ 82,000 |
| Orlando-Kissimmee, FL | 5 | $ 1,190,000 | $ 238,000 | $ 133,000 |
| Panama City-Lynn Haven, FL | 5 | $ 1,215,000 | $ 243,000 | $ 127,000 |
| Rome, GA | 5 | $ 574,000 | $ 114,800 | $ 39,000 |
| Birmingham-Hoover, AL | 4 | $ 409,000 | $ 102,250 | $ 52,000 |
| Detroit-Livonia-Dearborn, MI | 4 | $ 445,000 | $ 111,250 | $ 47,000 |
| Gary, IN | 4 | $ 589,000 | $ 147,250 | $ 40,000 |
| Macon, GA | 4 | $ 331,000 | $ 82,750 | $ 50,000 |
| Tampa-St. Petersburg-Clearwater, FL | 4 | $ 625,000 | $ 156,250 | $ 44,000 |
| Warren-Troy-Farmington Hills, MI | 4 | $ 721,000 | $ 180,250 | $ 69,000 |
| Winston-Salem, NC | 4 | $ 374,000 | $ 93,500 | $ 90,000 |
| Baton Rouge, LA | 3 | $ 361,000 | $ 120,333 | $ 66,000 |
| Columbus, GA-AL | 3 | $ 205,000 | $ 68,333 | $ 34,000 |
| Evansville, IN-KY | 3 | $ 214,000 | $ 71,333 | $ 39,000 |
| Hickory-Lenoir-Morganton, NC | 3 | $ 210,000 | $ 70,000 | $ 66,000 |
| Jackson, MI | 3 | $ 416,000 | $ 138,666 | $ 97,000 |
| Albany, GA | 2 | $ 258,000 | $ 129,000 | $ 55,000 |
| Anderson, IN | 2 | $ 111,000 | $ 55,500 | $ 53,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 888,000 | $ 444,000 | $ 431,000 |
| Florence, SC | 2 | $ 215,000 | $ 107,500 | $ 76,000 |
| Florence-Muscle Shoals, AL | 2 | $ 113,000 | $ 56,500 | $ 27,000 |
| Greensboro-High Point, NC | 2 | $ 289,000 | $ 144,500 | $ 58,000 |
| Greenville-Mauldin-Easley, SC | 2 | $ 148,000 | $ 74,000 | $ 27,000 |
| Jacksonville, FL | 2 | $ 451,000 | $ 225,500 | $ 0 |
| Jacksonville, NC | 2 | $ 157,000 | $ 78,500 | $ 44,000 |
| Louisville-Jefferson County, KY-IN | 2 | $ 288,000 | $ 144,000 | $ 95,000 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 320,000 | $ 160,000 | $ 60,000 |
| Mobile, AL | 2 | $ 205,000 | $ 102,500 | $ 49,000 |
| Montgomery, AL | 2 | $ 497,000 | $ 248,500 | $ 83,000 |
| Port St. Lucie, FL | 2 | $ 390,000 | $ 195,000 | $ 69,000 |
| Anniston-Oxford, AL | 1 | $ 81,000 | $ 81,000 | $ 78,000 |
| Beaumont-Port Arthur, TX | 1 | $ 95,000 | $ 95,000 | $ 57,000 |
| Boston-Quincy, MA | 1 | $ 325,000 | $ 325,000 | $ 64,000 |
| Bowling Green, KY | 1 | $ 176,000 | $ 176,000 | $ 49,000 |
| Burlington, NC | 1 | $ 410,000 | $ 410,000 | $ 252,000 |
| Charlottesville, VA | 1 | $ 81,000 | $ 81,000 | $ 20,000 |
| Columbia, SC | 1 | $ 98,000 | $ 98,000 | $ 57,000 |
| Columbus, IN | 1 | $ 125,000 | $ 125,000 | $ 51,000 |
| Danville, VA | 1 | $ 70,000 | $ 70,000 | $ 150,000 |
| Davenport-Moline-Rock Island, IA-IL | 1 | $ 48,000 | $ 48,000 | $ 29,000 |
| Durham, NC | 1 | $ 75,000 | $ 75,000 | $ 21,000 |
| Elkhart-Goshen, IN | 1 | $ 56,000 | $ 56,000 | $ 0 |
| Fayetteville, NC | 1 | $ 156,000 | $ 156,000 | $ 90,000 |
| Fort Wayne, IN | 1 | $ 80,000 | $ 80,000 | $ 52,000 |
| Gainesville, GA | 1 | $ 104,000 | $ 104,000 | $ 54,000 |
| Goldsboro, NC | 1 | $ 68,000 | $ 68,000 | $ 36,000 |
| Greeley, CO | 1 | $ 205,000 | $ 205,000 | $ 444,000 |
| Harrisonburg, VA | 1 | $ 95,000 | $ 95,000 | $ 32,000 |
| Huntington-Ashland, WV-KY-OH | 1 | $ 75,000 | $ 75,000 | $ 29,000 |
| Lafayette, IN | 1 | $ 61,000 | $ 61,000 | $ 55,000 |
| Lakeland, FL | 1 | $ 101,000 | $ 101,000 | $ 38,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 1 | $ 105,000 | $ 105,000 | $ 34,000 |
| Ocala, FL | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 49,000 | $ 49,000 | $ 162,000 |
| Punta Gorda, FL | 1 | $ 125,000 | $ 125,000 | $ 22,000 |
| Sarasota-Bradenton-Venice, FL | 1 | $ 67,000 | $ 67,000 | $ 35,000 |
| Savannah, GA | 1 | $ 190,000 | $ 190,000 | $ 41,000 |
| St. Louis, MO-IL | 1 | $ 205,000 | $ 205,000 | $ 46,000 |
| Terre Haute, IN | 1 | $ 75,000 | $ 75,000 | $ 26,000 |
| Warner Robins, GA | 1 | $ 109,000 | $ 109,000 | $ 45,000 |
| West Palm Beach-Boca Raton-Boynton Beach, FL | 1 | $ 235,000 | $ 235,000 | $ 38,000 |
| Wilmington, DE-MD-NJ | 1 | $ 225,000 | $ 225,000 | $ 121,000 |
| Wilmington, NC | 1 | $ 85,000 | $ 85,000 | $ 25,000 |
| Winchester, VA-WV | 1 | $ 302,000 | $ 302,000 | $ 96,000 |
| Worcester, MA | 1 | $ 276,000 | $ 276,000 | $ 76,000 |
Mortgage Loan Application Detail Totals for United Capital Mortgage in 2007
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 | 1,635 | $218,068,000 | $133,000 | $960,000 | $58,000 | $1,641,000 |
| Refinancing | 1,399 | $205,058,000 | $146,000 | $1,279,000 | $66,000 | $1,000,000 |
| Home Improvement | 43 | $4,653,000 | $108,000 | $375,000 | $51,000 | $216,000 |
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 | 2,160 | $293,026,000 | $135,000 | $1,279,000 | $61,000 | $1,000,000 |
| Black or African American | 403 | $56,627,000 | $140,000 | $646,000 | $59,000 | $1,000,000 |
| Not Provided | 398 | $61,321,000 | $154,000 | $695,000 | $66,000 | $1,641,000 |
| Hispanic | 62 | $8,581,000 | $138,000 | $428,000 | $63,000 | $385,000 |
| Asian | 37 | $5,759,000 | $155,000 | $450,000 | $86,000 | $144,000 |
| Native Hawaiian or Other Pacific Islander | 14 | $2,133,000 | $152,000 | $330,000 | $93,000 | $240,000 |
| American Indian or Alaskan Native | 3 | $332,000 | $110,000 | $170,000 | $36,000 | $45,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,902 | $405,615,000 | $139,000 | $1,279,000 | $62,000 | $1,641,000 |
| FHA-insured (Federal Housing Administration) | 141 | $16,066,000 | $113,000 | $306,000 | $43,000 | $130,000 |
| VA-guaranteed (Veterans Administration) | 26 | $5,235,000 | $201,000 | $309,000 | $62,000 | $143,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 8 | $863,000 | $107,000 | $240,000 | $42,000 | $63,000 |
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 | 1,720 | $245,279,000 | $142,000 | $1,279,000 | $68,000 | $1,000,000 |
| Application Withdrawn By Applicant | 665 | $86,877,000 | $130,000 | $722,000 | $54,000 | $540,000 |
| Application Denied By Financial Institution | 566 | $77,861,000 | $137,000 | $750,000 | $49,000 | $360,000 |
| File Closed For Incompleteness | 86 | $11,584,000 | $134,000 | $1,000,000 | $54,000 | $323,000 |
| Application Approved But Not Accepted | 39 | $6,090,000 | $156,000 | $609,000 | $105,000 | $1,641,000 |
| Preapproval Denied by Financial Institution | 1 | $88,000 | $88,000 | $88,000 | $26,000 | $26,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 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 |
|---|---|---|---|---|---|---|
| Other | 199 | $29,956,000 | $150,000 | $750,000 | $60,000 | $360,000 |
| Credit History | 190 | $25,517,000 | $134,000 | $715,000 | $42,000 | $288,000 |
| Debt-To-Income Ratio | 32 | $3,934,000 | $122,000 | $306,000 | $37,000 | $87,000 |
| Collateral | 27 | $3,644,000 | $134,000 | $328,000 | $46,000 | $120,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 17 | $2,550,000 | $150,000 | $322,000 | $39,000 | $76,000 |
| Employment History | 13 | $1,724,000 | $132,000 | $333,000 | $47,000 | $215,000 |
| Unverifiable Information | 3 | $304,000 | $101,000 | $124,000 | $50,000 | $60,000 |
| Mortgage Insurance Denied | 1 | $177,000 | $177,000 | $177,000 | $42,000 | $42,000 |
| Credit Application Incomplete | 1 | $240,000 | $240,000 | $240,000 | $108,000 | $108,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Capital Mortgage's 2007 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 Capital Mortgage'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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