United Community Bank Mortgage Lending & HMDA Data, 2019
In 2019, United Community Bank of Greenville, SC reported 11,896 mortgage applications totaling $2.3 billion, up 9% from 2018. The average application was for $190,057, and applicants reported an average income of $113,493. 65% of its applications resulted in an originated loan and 20% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (2,988), Greenville-Anderson-Mauldin, SC (800) and Knoxville, TN (591) (applications in parentheses).
| Mortgage Company & Address | United Community Bank Po Box 398 Greenville, SC 29601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 11,896 |
| Total Mortgage Loan Application Amount | $2,260,920,000 |
| Average Mortgage Loan Application Amount | $190,057 |
| Highest Mortgage Loan Application Amount | $12,005,000 |
| Average Applicant Income | $113,493 |
| Highest Applicant Income | $2,251,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Outside any metro area | 4,076 | $ 672,660,000 | $ 165,029 | $ 106,878 |
| Atlanta-Sandy Springs-Roswell, GA | 2,988 | $ 616,780,000 | $ 206,419 | $ 117,000 |
| Greenville-Anderson-Mauldin, SC | 800 | $ 128,690,000 | $ 160,862 | $ 110,000 |
| Knoxville, TN | 591 | $ 111,085,000 | $ 187,961 | $ 108,000 |
| Asheville, NC | 462 | $ 108,990,000 | $ 235,909 | $ 120,000 |
| Raleigh, NC | 408 | $ 85,960,000 | $ 210,686 | $ 110,000 |
| Cleveland, TN | 298 | $ 46,000,000 | $ 154,362 | $ 74,000 |
| Gainesville, GA | 286 | $ 53,860,000 | $ 188,321 | $ 125,000 |
| Charleston-North Charleston, SC | 273 | $ 90,435,000 | $ 331,263 | $ 148,000 |
| Spartanburg, SC | 268 | $ 36,150,000 | $ 134,888 | $ 99,000 |
| Rome, GA | 231 | $ 38,595,000 | $ 167,077 | $ 129,000 |
| Brunswick, GA | 204 | $ 35,400,000 | $ 173,529 | $ 114,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 203 | $ 33,035,000 | $ 162,733 | $ 96,551 |
| Savannah, GA | 190 | $ 50,330,000 | $ 264,894 | $ 156,000 |
| Athens-Clarke County, GA | 89 | $ 16,585,000 | $ 186,348 | $ 117,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 78 | $ 23,820,000 | $ 305,384 | $ 209,000 |
| Chattanooga, TN-GA | 55 | $ 11,315,000 | $ 205,727 | $ 93,181 |
| Fayetteville, NC | 53 | $ 7,945,000 | $ 149,905 | $ 78,000 |
| Durham-Chapel Hill, NC | 51 | $ 13,435,000 | $ 263,431 | $ 106,000 |
| Columbia, SC | 46 | $ 12,870,000 | $ 279,782 | $ 118,000 |
| Charlotte-Concord-Gastonia, NC-SC | 39 | $ 16,075,000 | $ 412,179 | $ 289,538 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 17 | $ 4,195,000 | $ 246,764 | $ 80,000 |
| Dalton, GA | 15 | $ 3,015,000 | $ 201,000 | $ 78,000 |
| Hickory-Lenoir-Morganton, NC | 14 | $ 3,560,000 | $ 254,285 | $ 117,000 |
| Florence, SC | 12 | $ 2,060,000 | $ 171,666 | $ 121,000 |
| Augusta-Richmond County, GA-SC | 11 | $ 2,055,000 | $ 186,818 | $ 114,454 |
| Johnson City, TN | 11 | $ 1,445,000 | $ 131,363 | $ 55,000 |
| Tampa-St. Petersburg-Clearwater, FL | 10 | $ 2,170,000 | $ 217,000 | $ 136,000 |
| Macon-Bibb County, GA | 8 | $ 1,040,000 | $ 130,000 | $ 53,000 |
| Rocky Mount, NC | 8 | $ 1,500,000 | $ 187,500 | $ 115,000 |
| Columbus, GA-AL | 7 | $ 955,000 | $ 136,428 | $ 121,000 |
| Greensboro-High Point, NC | 7 | $ 1,015,000 | $ 145,000 | $ 338,000 |
| Wilmington, NC | 7 | $ 3,115,000 | $ 445,000 | $ 269,000 |
| Jacksonville, FL | 6 | $ 2,390,000 | $ 398,333 | $ 352,000 |
| Sumter, SC | 6 | $ 620,000 | $ 103,333 | $ 67,000 |
| Birmingham-Hoover, AL | 5 | $ 1,215,000 | $ 243,000 | $ 78,000 |
| Goldsboro, NC | 5 | $ 2,405,000 | $ 481,000 | $ 170,000 |
| Morristown, TN | 5 | $ 1,305,000 | $ 261,000 | $ 154,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 4 | $ 1,440,000 | $ 360,000 | $ 159,000 |
| Panama City, FL | 4 | $ 400,000 | $ 100,000 | $ 227,000 |
| Anniston-Oxford-Jacksonville, AL | 3 | $ 245,000 | $ 81,666 | $ 56,000 |
| Crestview-Fort Walton Beach-Destin, FL | 3 | $ 1,325,000 | $ 441,666 | $ 320,000 |
| Memphis, TN-MS-AR | 3 | $ 195,000 | $ 65,000 | $ 470,000 |
| North Port-Sarasota-Bradenton, FL | 3 | $ 1,025,000 | $ 341,666 | $ 228,000 |
| Orlando-Kissimmee-Sanford, FL | 3 | $ 955,000 | $ 318,333 | $ 89,000 |
| Winston-Salem, NC | 3 | $ 1,185,000 | $ 395,000 | $ 284,000 |
| Cape Coral-Fort Myers, FL | 2 | $ 530,000 | $ 265,000 | $ 77,000 |
| Daphne-Fairhope-Foley, AL | 2 | $ 560,000 | $ 280,000 | $ 838,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 2 | $ 540,000 | $ 270,000 | $ 105,000 |
| Hinesville, GA | 2 | $ 220,000 | $ 110,000 | $ 119,000 |
| Homosassa Springs, FL | 2 | $ 460,000 | $ 230,000 | $ 54,000 |
| Jacksonville, NC | 2 | $ 820,000 | $ 410,000 | $ 555,000 |
| New Bern, NC | 2 | $ 290,000 | $ 145,000 | $ 81,000 |
| Pensacola-Ferry Pass-Brent, FL | 2 | $ 170,000 | $ 85,000 | $ 114,000 |
| Port St. Lucie, FL | 2 | $ 660,000 | $ 330,000 | $ 339,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 2 | $ 910,000 | $ 455,000 | $ 429,000 |
| Burlington, NC | 1 | $ 135,000 | $ 135,000 | $ 291,000 |
| Greenville, NC | 1 | $ 3,695,000 | $ 3,695,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 205,000 | $ 205,000 | $ 44,000 |
| Palm Bay-Melbourne-Titusville, FL | 1 | $ 345,000 | $ 345,000 | $ 146,000 |
| Warner Robins, GA | 1 | $ 405,000 | $ 405,000 | $ 113,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2019
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 | 4,747 | $1,165,245,000 | $245,000 | $12,005,000 | $113,000 | $1,991,000 |
| Refinancing | 2,879 | $559,605,000 | $194,000 | $3,695,000 | $121,000 | $2,251,000 |
| Home Improvement | 1,552 | $131,040,000 | $84,000 | $3,505,000 | $110,000 | $1,732,000 |
| Other Purpose | 1,450 | $117,500,000 | $81,000 | $775,000 | $107,000 | $2,035,000 |
| Cash-out Refinancing | 1,268 | $287,530,000 | $226,000 | $2,305,000 | $110,000 | $1,392,000 |
| 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 | 9,761 | $1,811,995,000 | $185,000 | $3,055,000 | $114,000 | $2,251,000 |
| Not Provided | 1,038 | $185,260,000 | $178,000 | $2,455,000 | $122,000 | $1,491,000 |
| Black or African American | 484 | $93,840,000 | $193,000 | $1,345,000 | $83,000 | $699,000 |
| Hispanic | 219 | $37,295,000 | $170,000 | $695,000 | $88,000 | $1,200,000 |
| Not applicable | 174 | $76,340,000 | $438,000 | $12,005,000 | $0 | $0 |
| Asian | 138 | $36,010,000 | $260,000 | $2,005,000 | $159,000 | $1,200,000 |
| American Indian or Alaskan Native | 32 | $5,730,000 | $179,000 | $735,000 | $81,000 | $550,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $380,000 | $95,000 | $255,000 | $74,000 | $185,000 |
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) | 10,988 | $2,082,290,000 | $189,000 | $12,005,000 | $118,000 | $2,251,000 |
| FHA-insured (Federal Housing Administration) | 564 | $105,040,000 | $186,000 | $385,000 | $64,000 | $920,000 |
| VA-guaranteed (Veterans Administration) | 197 | $50,475,000 | $256,000 | $935,000 | $80,000 | $378,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 147 | $23,115,000 | $157,000 | $315,000 | $55,000 | $110,000 |
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 | 7,744 | $1,500,450,000 | $193,000 | $5,515,000 | $119,000 | $2,251,000 |
| Application Denied By Financial Institution | 2,418 | $356,950,000 | $147,000 | $12,005,000 | $90,000 | $2,035,000 |
| Application Withdrawn By Applicant | 1,484 | $368,200,000 | $248,000 | $2,005,000 | $122,000 | $1,489,000 |
| Application Approved But Not Accepted | 197 | $24,955,000 | $126,000 | $745,000 | $109,000 | $781,000 |
| File Closed For Incompleteness | 53 | $10,365,000 | $195,000 | $815,000 | $101,000 | $474,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 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 | 9,478 | $1,903,970,000 | $200,000 | $5,515,000 | $119,000 | $2,251,000 |
| Debt-To-Income Ratio | 818 | $134,820,000 | $164,000 | $1,315,000 | $65,000 | $548,000 |
| Credit History | 758 | $81,720,000 | $107,000 | $775,000 | $81,000 | $1,200,000 |
| Collateral | 418 | $56,160,000 | $134,000 | $1,895,000 | $121,000 | $1,186,000 |
| Unverifiable Information | 199 | $30,735,000 | $154,000 | $1,075,000 | $146,000 | $2,035,000 |
| Other | 183 | $45,755,000 | $250,000 | $12,005,000 | $114,000 | $1,224,000 |
| Employment History | 29 | $5,675,000 | $195,000 | $1,295,000 | $83,000 | $380,000 |
| Credit Application Incomplete | 7 | $585,000 | $83,000 | $305,000 | $111,000 | $201,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $1,500,000 | $250,000 | $475,000 | $83,000 | $240,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2019 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 Community 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 South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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