United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
United Community Bank 2003 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 Community Bank Po Box 398 Blairsville, GA 30512 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,166 |
| Total Mortgage Loan Application Amount | $576,465,000 |
| Average Mortgage Loan Application Amount | $174,777 |
| Highest Mortgage Loan Application Amount | $2,498,000 |
| Average Applicant Income | $59,777 |
| Highest Applicant Income | $2,268,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with United Community 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 Community Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down United Community 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 Community Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by United Community 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 Community Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Union County Georgia | 724 | $ 74,967,000 | $ 103,000 | $ 52,000 |
| Fannin County Georgia | 542 | $ 63,888,000 | $ 117,000 | $ 69,000 |
| Habersham County Georgia | 503 | $ 55,827,000 | $ 110,000 | $ 41,000 |
| White County Georgia | 361 | $ 41,979,000 | $ 116,000 | $ 65,000 |
| Gilmer County Georgia | 313 | $ 39,008,000 | $ 124,000 | $ 52,000 |
| Towns County Georgia | 285 | $ 35,479,000 | $ 124,000 | $ 60,000 |
| Rabun County Georgia | 261 | $ 23,454,000 | $ 89,000 | $ 64,000 |
| Clay County North Carolina | 220 | $ 27,519,000 | $ 125,000 | $ 44,000 |
| Chattooga County Georgia | 213 | $ 16,075,000 | $ 75,000 | $ 46,000 |
| Lumpkin County Georgia | 208 | $ 22,363,000 | $ 107,000 | $ 40,000 |
| Cherokee County North Carolina | 177 | $ 17,208,000 | $ 97,000 | $ 50,000 |
| Macon County North Carolina | 176 | $ 20,261,000 | $ 115,000 | $ 55,000 |
| Floyd County Georgia | 133 | $ 14,555,000 | $ 109,000 | $ 72,000 |
| Bartow County Georgia | 119 | $ 12,761,000 | $ 107,000 | $ 46,000 |
| Swain County North Carolina | 104 | $ 12,024,000 | $ 115,000 | $ 62,000 |
| Hall County Georgia | 98 | $ 14,053,000 | $ 143,000 | $ 53,000 |
| Dawson County Georgia | 76 | $ 5,622,000 | $ 73,000 | $ 67,000 |
| Graham County North Carolina | 69 | $ 6,657,000 | $ 96,000 | $ 73,000 |
| Pickens County Georgia | 46 | $ 7,017,000 | $ 152,000 | $ 87,000 |
| Gordon County Georgia | 44 | $ 3,752,000 | $ 85,000 | $ 43,000 |
| Jackson County North Carolina | 44 | $ 6,386,000 | $ 145,000 | $ 104,000 |
| Forsyth County Georgia | 43 | $ 4,822,000 | $ 112,000 | $ 59,000 |
| Banks County Georgia | 40 | $ 3,801,000 | $ 95,000 | $ 36,000 |
| Cobb County Georgia | 36 | $ 3,949,000 | $ 109,000 | $ 50,000 |
| Polk County Tennessee | 35 | $ 2,793,000 | $ 79,000 | $ 35,000 |
| Cherokee County Georgia | 31 | $ 4,456,000 | $ 143,000 | $ 62,000 |
| Stephens County Georgia | 22 | $ 1,767,000 | $ 80,000 | $ 32,000 |
| Cherokee County Alabama | 20 | $ 1,400,000 | $ 70,000 | $ 53,000 |
| Fulton County Georgia | 18 | $ 3,932,000 | $ 218,000 | $ 143,000 |
| Gwinnett County Georgia | 18 | $ 2,843,000 | $ 157,000 | $ 52,000 |
| Carroll County Georgia | 15 | $ 1,705,000 | $ 113,000 | $ 126,000 |
| Jackson County Georgia | 12 | $ 1,137,000 | $ 94,000 | $ 34,000 |
| Walker County Georgia | 12 | $ 1,653,000 | $ 137,000 | $ 83,000 |
| DeKalb County Georgia | 11 | $ 2,279,000 | $ 207,000 | $ 122,000 |
| Paulding County Georgia | 11 | $ 719,000 | $ 65,000 | $ 41,000 |
| Franklin County Georgia | 10 | $ 881,000 | $ 88,000 | $ 52,000 |
| Douglas County Georgia | 9 | $ 837,000 | $ 93,000 | $ 40,000 |
| Clarke County Georgia | 8 | $ 2,961,000 | $ 370,000 | $ 50,000 |
| Murray County Georgia | 7 | $ 931,000 | $ 133,000 | $ 65,000 |
| Polk County Georgia | 7 | $ 634,000 | $ 90,000 | $ 85,000 |
| Chatham County Georgia | 5 | $ 786,000 | $ 157,000 | $ 108,000 |
| DeKalb County Alabama | 4 | $ 299,000 | $ 74,000 | $ 34,000 |
| Lee County Florida | 3 | $ 400,000 | $ 133,000 | $ 69,000 |
| Volusia County Florida | 3 | $ 469,000 | $ 156,000 | $ 65,000 |
| Baldwin County Georgia | 3 | $ 276,000 | $ 92,000 | $ 72,000 |
| Glynn County Georgia | 3 | $ 511,000 | $ 170,000 | $ 117,000 |
| Madison County Georgia | 3 | $ 372,000 | $ 124,000 | $ 40,000 |
| Putnam County Georgia | 3 | $ 889,000 | $ 296,000 | $ 177,000 |
| Bay County Florida | 2 | $ 298,000 | $ 149,000 | $ 70,000 |
| Polk County Florida | 2 | $ 317,000 | $ 158,000 | $ 108,000 |
| Barrow County Georgia | 2 | $ 276,000 | $ 138,000 | $ 20,000 |
| Heard County Georgia | 2 | $ 90,000 | $ 45,000 | $ 34,000 |
| Oglethorpe County Georgia | 2 | $ 153,000 | $ 76,000 | $ 56,000 |
| Haywood County North Carolina | 2 | $ 303,000 | $ 151,000 | $ 78,000 |
| Henderson County North Carolina | 2 | $ 256,000 | $ 128,000 | $ 61,000 |
| Charleston County South Carolina | 2 | $ 363,000 | $ 181,000 | $ 94,000 |
| Greenville County South Carolina | 2 | $ 381,000 | $ 190,000 | $ 44,000 |
| Oconee County South Carolina | 2 | $ 151,000 | $ 75,000 | $ 64,000 |
| Bradley County Tennessee | 2 | $ 248,000 | $ 124,000 | $ 47,000 |
| Sevier County Tennessee | 2 | $ 208,000 | $ 104,000 | $ 61,000 |
| Jefferson County Alabama | 1 | $ 105,000 | $ 105,000 | $ 76,000 |
| Madison County Alabama | 1 | $ 114,000 | $ 114,000 | $ 69,000 |
| Broward County Florida | 1 | $ 25,000 | $ 25,000 | $ 103,000 |
| Charlotte County Florida | 1 | $ 104,000 | $ 104,000 | $ 353,000 |
| Franklin County Florida | 1 | $ 45,000 | $ 45,000 | $ 51,000 |
| Manatee County Florida | 1 | $ 77,000 | $ 77,000 | $ 35,000 |
| Pinellas County Florida | 1 | $ 150,000 | $ 150,000 | $ 77,000 |
| Sarasota County Florida | 1 | $ 323,000 | $ 323,000 | $ 384,000 |
| Bibb County Georgia | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Brantley County Georgia | 1 | $ 110,000 | $ 110,000 | $ 72,000 |
| Coweta County Georgia | 1 | $ 100,000 | $ 100,000 | $ 167,000 |
| Decatur County Georgia | 1 | $ 5,000 | $ 5,000 | $ 90,000 |
| Haralson County Georgia | 1 | $ 109,000 | $ 109,000 | $ 61,000 |
| Henry County Georgia | 1 | $ 110,000 | $ 110,000 | $ 76,000 |
| Macon County Georgia | 1 | $ 116,000 | $ 116,000 | $ 102,000 |
| McIntosh County Georgia | 1 | $ 80,000 | $ 80,000 | $ 31,000 |
| Oconee County Georgia | 1 | $ 266,000 | $ 266,000 | $ 86,000 |
| Rockdale County Georgia | 1 | $ 152,000 | $ 152,000 | $ 79,000 |
| Washington County Georgia | 1 | $ 232,000 | $ 232,000 | $ 133,000 |
| Gallatin County Montana | 1 | $ 1,325,000 | $ 1,325,000 | $ 0 |
| Avery County North Carolina | 1 | $ 41,000 | $ 41,000 | $ 114,000 |
| Buncombe County North Carolina | 1 | $ 108,000 | $ 108,000 | $ 53,000 |
| Guilford County North Carolina | 1 | $ 119,000 | $ 119,000 | $ 40,000 |
| Madison County North Carolina | 1 | $ 167,000 | $ 167,000 | $ 130,000 |
| Colleton County South Carolina | 1 | $ 56,000 | $ 56,000 | $ 68,000 |
| Greenwood County South Carolina | 1 | $ 80,000 | $ 80,000 | $ 42,000 |
| Horry County South Carolina | 1 | $ 80,000 | $ 80,000 | $ 67,000 |
| Bledsoe County Tennessee | 1 | $ 43,000 | $ 43,000 | $ 35,000 |
| Blount County Tennessee | 1 | $ 237,000 | $ 237,000 | $ 142,000 |
| Hamblen County Tennessee | 1 | $ 76,000 | $ 76,000 | $ 30,000 |
| Hamilton County Tennessee | 1 | $ 38,000 | $ 38,000 | $ 50,000 |
| Knox County Tennessee | 1 | $ 275,000 | $ 275,000 | $ 140,000 |
| Van Buren County Tennessee | 1 | $ 85,000 | $ 85,000 | $ 46,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2003
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 |
|---|---|---|---|---|---|---|
| Refinancing (home purchase or home improvement, one-to-four family) | 3,532 | $428,874,000 | $122,000 | $1,050,000 | $76,166 | $799,000 |
| Home Purchase (one-to-four family) | 1,293 | $131,651,000 | $270,857 | $1,325,000 | $54,142 | $1,054,000 |
| Home Improvement (one-to-four family) | 332 | $12,228,000 | $26,500 | $2,498,000 | $60,000 | $2,268,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 9 | $3,712,000 | $412,000 | $2,157,000 | $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 | 4,950 | $552,939,000 | $108,666 | $2,498,000 | $72,666 | $2,268,000 |
| Not applicable | 64 | $10,016,000 | $433,250 | $2,157,000 | $0 | $0 |
| Hispanic | 62 | $4,672,000 | $79,000 | $283,000 | $52,500 | $300,000 |
| Asian or Pacific Islander | 27 | $2,561,000 | $117,500 | $166,000 | $51,000 | $186,000 |
| Black | 26 | $2,011,000 | $67,333 | $415,000 | $43,000 | $186,000 |
| Information not provided by applicant in mail or telephone application | 18 | $1,854,000 | $211,500 | $334,000 | $51,500 | $158,000 |
| American Indian or Alaskan Native | 14 | $1,622,000 | $114,500 | $372,000 | $96,500 | $386,000 |
| Other | 5 | $790,000 | $158,000 | $323,000 | $119,000 | $290,000 |
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) | 5,165 | $576,320,000 | $281,571 | $2,498,000 | $58,428 | $2,268,000 |
| FHA-insured (Federal Housing Administration) | 1 | $145,000 | $145,000 | $145,000 | $28,000 | $28,000 |
| 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 | 4,394 | $489,578,000 | $284,000 | $2,498,000 | $59,285 | $2,268,000 |
| Application Withdrawn By Applicant | 404 | $50,075,000 | $99,600 | $1,000,000 | $52,200 | $1,054,000 |
| Application Denied By Financial Institution | 365 | $36,111,000 | $73,800 | $1,050,000 | $54,600 | $374,000 |
| Application Approved But Not Accepted | 3 | $701,000 | $194,000 | $550,000 | $40,500 | $63,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The 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 |
|---|---|---|---|---|---|---|
| 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 Community Bank's 2003 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 Georgia, download the full spreadsheet
with aggregated HMDA statistics today.