United Commercial Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
United Commercial Bank 2006 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 Commercial Bank 711 Van Ness Avenue San Francisco, CA 94102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 664 |
| Total Mortgage Loan Application Amount | $565,568,000 |
| Average Mortgage Loan Application Amount | $806,333 |
| Highest Mortgage Loan Application Amount | $20,000,000 |
| Average Applicant Income | $71,666 |
| Highest Applicant Income | $1,563,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 with United Commercial 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 Commercial Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2006 breaks down United Commercial 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 Commercial Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by United Commercial 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 Commercial Bank's mortgage activity for 2006.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles County California | 195 | $ 169,870,000 | $ 871,000 | $ 49,000 |
| Alameda County California | 74 | $ 56,956,000 | $ 769,000 | $ 71,000 |
| San Francisco County California | 65 | $ 66,115,000 | $ 1,017,000 | $ 172,000 |
| Sacramento County California | 33 | $ 18,751,000 | $ 568,000 | $ 44,000 |
| San Mateo County California | 31 | $ 22,299,000 | $ 719,000 | $ 142,000 |
| Santa Clara County California | 26 | $ 25,565,000 | $ 983,000 | $ 10,000 |
| San Joaquin County California | 24 | $ 17,042,000 | $ 710,000 | $ 58,000 |
| Contra Costa County California | 19 | $ 13,150,000 | $ 692,000 | $ 104,000 |
| Norfolk County Massachusetts | 18 | $ 4,522,000 | $ 251,000 | $ 65,000 |
| Orange County California | 17 | $ 19,139,000 | $ 1,125,000 | $ 37,000 |
| Middlesex County Massachusetts | 17 | $ 7,311,000 | $ 430,000 | $ 117,000 |
| San Bernardino County California | 11 | $ 8,841,000 | $ 803,000 | $ 0 |
| King County Washington | 11 | $ 5,266,000 | $ 478,000 | $ 63,000 |
| Riverside County California | 9 | $ 9,608,000 | $ 1,067,000 | $ 26,000 |
| Fresno County California | 8 | $ 2,738,000 | $ 342,000 | $ 46,000 |
| Solano County California | 8 | $ 18,848,000 | $ 2,356,000 | $ 48,000 |
| Suffolk County Massachusetts | 8 | $ 3,072,000 | $ 384,000 | $ 157,000 |
| New York County New York | 8 | $ 11,756,000 | $ 1,469,000 | $ 111,000 |
| Kern County California | 7 | $ 8,714,000 | $ 1,244,000 | $ 0 |
| El Dorado County California | 6 | $ 2,796,000 | $ 466,000 | $ 0 |
| San Diego County California | 6 | $ 26,898,000 | $ 4,483,000 | $ 0 |
| Queens County New York | 6 | $ 3,161,000 | $ 526,000 | $ 177,000 |
| Placer County California | 5 | $ 2,104,000 | $ 420,000 | $ 123,000 |
| Worcester County Massachusetts | 5 | $ 1,613,000 | $ 322,000 | $ 54,000 |
| Pierce County Washington | 5 | $ 7,370,000 | $ 1,474,000 | $ 0 |
| Marin County California | 4 | $ 2,430,000 | $ 607,000 | $ 150,000 |
| Stanislaus County California | 3 | $ 1,444,000 | $ 481,000 | $ 40,000 |
| Sutter County California | 3 | $ 1,173,000 | $ 391,000 | $ 113,000 |
| Kings County New York | 3 | $ 2,123,000 | $ 707,000 | $ 68,000 |
| Santa Barbara County California | 2 | $ 4,620,000 | $ 2,310,000 | $ 316,000 |
| Ventura County California | 2 | $ 1,035,000 | $ 517,000 | $ 94,000 |
| Yuba County California | 2 | $ 1,697,000 | $ 848,000 | $ 0 |
| Providence County Rhode Island | 2 | $ 374,000 | $ 187,000 | $ 81,000 |
| Fort Bend County Texas | 2 | $ 81,000 | $ 40,000 | $ 170,000 |
| Kings County California | 1 | $ 950,000 | $ 950,000 | $ 0 |
| Madera County California | 1 | $ 610,000 | $ 610,000 | $ 0 |
| Napa County California | 1 | $ 240,000 | $ 240,000 | $ 380,000 |
| Santa Cruz County California | 1 | $ 250,000 | $ 250,000 | $ 186,000 |
| Shasta County California | 1 | $ 850,000 | $ 850,000 | $ 0 |
| Trinity County California | 1 | $ 812,000 | $ 812,000 | $ 0 |
| Tulare County California | 1 | $ 1,055,000 | $ 1,055,000 | $ 0 |
| Yolo County California | 1 | $ 3,356,000 | $ 3,356,000 | $ 0 |
| Bristol County Massachusetts | 1 | $ 223,000 | $ 223,000 | $ 96,000 |
| Essex County Massachusetts | 1 | $ 277,000 | $ 277,000 | $ 43,000 |
| Plymouth County Massachusetts | 1 | $ 280,000 | $ 280,000 | $ 168,000 |
| Bronx County New York | 1 | $ 420,000 | $ 420,000 | $ 170,000 |
| Nassau County New York | 1 | $ 693,000 | $ 693,000 | $ 665,000 |
| Harris County Texas | 1 | $ 5,374,000 | $ 5,374,000 | $ 0 |
| Whatcom County Washington | 1 | $ 140,000 | $ 140,000 | $ 120,000 |
Mortgage Loan Application Detail Totals for United Commercial Bank in 2006
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 | 369 | $300,179,000 | $813,000 | $13,313,000 | $70,000 | $840,000 |
| Refinancing | 252 | $236,691,000 | $939,000 | $20,000,000 | $85,000 | $1,563,000 |
| Home Improvement | 43 | $28,698,000 | $667,000 | $2,800,000 | $60,000 | $533,000 |
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 |
|---|---|---|---|---|---|---|
| Asian | 307 | $196,029,000 | $638,000 | $6,000,000 | $118,000 | $1,563,000 |
| White | 114 | $104,929,000 | $920,000 | $7,576,000 | $66,000 | $723,000 |
| Not applicable | 110 | $198,028,000 | $1,800,000 | $20,000,000 | $0 | $0 |
| Hispanic | 84 | $51,885,000 | $617,000 | $3,550,000 | $32,000 | $740,000 |
| Black or African American | 38 | $8,309,000 | $218,000 | $1,020,000 | $58,000 | $543,000 |
| Not Provided | 6 | $2,642,000 | $440,000 | $1,750,000 | $242,000 | $632,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $2,216,000 | $738,000 | $984,000 | $29,000 | $87,000 |
| American Indian or Alaskan Native | 2 | $1,530,000 | $765,000 | $900,000 | $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) | 664 | $565,568,000 | $851,000 | $20,000,000 | $75,000 | $1,563,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 525 | $420,198,000 | $800,000 | $13,313,000 | $74,000 | $740,000 |
| Application Withdrawn By Applicant | 56 | $70,869,000 | $1,265,000 | $20,000,000 | $59,000 | $840,000 |
| Application Denied By Financial Institution | 48 | $43,768,000 | $911,000 | $6,000,000 | $71,000 | $690,000 |
| File Closed For Incompleteness | 18 | $18,367,000 | $1,020,000 | $6,000,000 | $177,000 | $1,563,000 |
| Application Approved But Not Accepted | 13 | $10,810,000 | $831,000 | $2,730,000 | $59,000 | $324,000 |
| Preapproval Denied by Financial Institution | 4 | $1,556,000 | $389,000 | $800,000 | $158,000 | $383,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Commercial Bank's 2006 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 Commercial 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 California, download the full spreadsheet
with aggregated HMDA statistics today.