United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
United Community Bank 2004 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 | 4,187 |
| Total Mortgage Loan Application Amount | $500,274,000 |
| Average Mortgage Loan Application Amount | $108,294 |
| Highest Mortgage Loan Application Amount | $9,300,000 |
| Average Applicant Income | $65,764 |
| Highest Applicant Income | $2,632,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 525 | $ 54,477,000 | $ 103,000 | $ 62,000 |
| Fannin County Georgia | 412 | $ 50,561,000 | $ 122,000 | $ 53,000 |
| Habersham County Georgia | 290 | $ 31,156,000 | $ 107,000 | $ 52,000 |
| Towns County Georgia | 208 | $ 27,447,000 | $ 131,000 | $ 72,000 |
| White County Georgia | 206 | $ 25,072,000 | $ 121,000 | $ 43,000 |
| Gilmer County Georgia | 186 | $ 23,476,000 | $ 126,000 | $ 54,000 |
| Chattooga County Georgia | 180 | $ 12,875,000 | $ 71,000 | $ 38,000 |
| Floyd County Georgia | 178 | $ 18,892,000 | $ 106,000 | $ 52,000 |
| Cherokee County North Carolina | 165 | $ 20,807,000 | $ 126,000 | $ 115,000 |
| Lumpkin County Georgia | 164 | $ 18,297,000 | $ 111,000 | $ 50,000 |
| Rabun County Georgia | 135 | $ 12,189,000 | $ 90,000 | $ 50,000 |
| Glynn County Georgia | 131 | $ 18,408,000 | $ 140,000 | $ 63,000 |
| Clay County North Carolina | 129 | $ 21,291,000 | $ 165,000 | $ 67,000 |
| Macon County North Carolina | 125 | $ 15,912,000 | $ 127,000 | $ 71,000 |
| Dawson County Georgia | 116 | $ 13,368,000 | $ 115,000 | $ 59,000 |
| Swain County North Carolina | 102 | $ 13,810,000 | $ 135,000 | $ 60,000 |
| Bartow County Georgia | 77 | $ 6,477,000 | $ 84,000 | $ 38,000 |
| Hall County Georgia | 76 | $ 7,994,000 | $ 105,000 | $ 53,000 |
| Mitchell County North Carolina | 49 | $ 4,719,000 | $ 96,000 | $ 50,000 |
| Polk County Tennessee | 40 | $ 3,457,000 | $ 86,000 | $ 55,000 |
| Banks County Georgia | 39 | $ 4,615,000 | $ 118,000 | $ 44,000 |
| Forsyth County Georgia | 39 | $ 4,096,000 | $ 105,000 | $ 33,000 |
| Graham County North Carolina | 37 | $ 6,052,000 | $ 163,000 | $ 78,000 |
| Yancey County North Carolina | 35 | $ 4,094,000 | $ 116,000 | $ 48,000 |
| Cherokee County Alabama | 33 | $ 2,437,000 | $ 73,000 | $ 55,000 |
| Jackson County North Carolina | 31 | $ 4,238,000 | $ 136,000 | $ 51,000 |
| Carroll County Georgia | 28 | $ 3,013,000 | $ 107,000 | $ 66,000 |
| Loudon County Tennessee | 28 | $ 5,133,000 | $ 183,000 | $ 60,000 |
| Pickens County Georgia | 22 | $ 3,132,000 | $ 142,000 | $ 71,000 |
| Cobb County Georgia | 21 | $ 2,907,000 | $ 138,000 | $ 65,000 |
| Stephens County Georgia | 21 | $ 2,542,000 | $ 121,000 | $ 89,000 |
| Ware County Georgia | 19 | $ 561,000 | $ 29,000 | $ 67,000 |
| Gordon County Georgia | 17 | $ 1,571,000 | $ 92,000 | $ 50,000 |
| Polk County Georgia | 16 | $ 1,344,000 | $ 84,000 | $ 42,000 |
| Cherokee County Georgia | 15 | $ 2,821,000 | $ 188,000 | $ 66,000 |
| Jackson County Georgia | 15 | $ 2,355,000 | $ 157,000 | $ 68,000 |
| Fulton County Georgia | 13 | $ 4,298,000 | $ 330,000 | $ 54,000 |
| Blount County Tennessee | 13 | $ 1,843,000 | $ 141,000 | $ 62,000 |
| Douglas County Georgia | 12 | $ 10,400,000 | $ 866,000 | $ 48,000 |
| Knox County Tennessee | 11 | $ 1,863,000 | $ 169,000 | $ 65,000 |
| Gwinnett County Georgia | 10 | $ 1,384,000 | $ 138,000 | $ 67,000 |
| Camden County Georgia | 9 | $ 1,200,000 | $ 133,000 | $ 102,000 |
| Chatham County Georgia | 9 | $ 2,251,000 | $ 250,000 | $ 33,000 |
| DeKalb County Georgia | 8 | $ 1,165,000 | $ 145,000 | $ 90,000 |
| Pierce County Georgia | 8 | $ 213,000 | $ 26,000 | $ 62,000 |
| McMinn County Tennessee | 8 | $ 1,086,000 | $ 135,000 | $ 48,000 |
| Brantley County Georgia | 7 | $ 243,000 | $ 34,000 | $ 40,000 |
| Coweta County Georgia | 7 | $ 912,000 | $ 130,000 | $ 49,000 |
| Avery County North Carolina | 7 | $ 726,000 | $ 103,000 | $ 52,000 |
| Roane County Tennessee | 7 | $ 822,000 | $ 117,000 | $ 52,000 |
| Henry County Georgia | 6 | $ 1,600,000 | $ 266,000 | $ 118,000 |
| Paulding County Georgia | 6 | $ 901,000 | $ 150,000 | $ 56,000 |
| Walker County Georgia | 6 | $ 193,000 | $ 32,000 | $ 43,000 |
| Wayne County Georgia | 6 | $ 258,000 | $ 43,000 | $ 52,000 |
| Monroe County Tennessee | 6 | $ 636,000 | $ 106,000 | $ 84,000 |
| Bay County Florida | 5 | $ 689,000 | $ 137,000 | $ 61,000 |
| Haralson County Georgia | 5 | $ 664,000 | $ 132,000 | $ 43,000 |
| Madison County Georgia | 5 | $ 325,000 | $ 65,000 | $ 85,000 |
| Clarke County Georgia | 4 | $ 442,000 | $ 110,000 | $ 110,000 |
| Murray County Georgia | 4 | $ 459,000 | $ 114,000 | $ 72,000 |
| DeKalb County Alabama | 3 | $ 436,000 | $ 145,000 | $ 49,000 |
| Okaloosa County Florida | 3 | $ 787,000 | $ 262,000 | $ 168,000 |
| Volusia County Florida | 3 | $ 290,000 | $ 96,000 | $ 37,000 |
| Fayette County Georgia | 3 | $ 1,142,000 | $ 380,000 | $ 697,000 |
| Greene County Georgia | 3 | $ 613,000 | $ 204,000 | $ 30,000 |
| Oglethorpe County Georgia | 3 | $ 102,000 | $ 34,000 | $ 98,000 |
| Haywood County North Carolina | 3 | $ 350,000 | $ 116,000 | $ 51,000 |
| Beaufort County South Carolina | 3 | $ 1,047,000 | $ 349,000 | $ 14,000 |
| Oconee County South Carolina | 3 | $ 73,000 | $ 24,000 | $ 89,000 |
| Jefferson County Tennessee | 3 | $ 282,000 | $ 94,000 | $ 53,000 |
| Rhea County Tennessee | 3 | $ 275,000 | $ 91,000 | $ 144,000 |
| Sevier County Tennessee | 3 | $ 252,000 | $ 84,000 | $ 76,000 |
| Randolph County Alabama | 2 | $ 566,000 | $ 283,000 | $ 453,000 |
| Barrow County Georgia | 2 | $ 185,000 | $ 92,000 | $ 70,000 |
| Butts County Georgia | 2 | $ 255,000 | $ 127,000 | $ 58,000 |
| Franklin County Georgia | 2 | $ 216,000 | $ 108,000 | $ 57,000 |
| Jones County Georgia | 2 | $ 259,000 | $ 129,000 | $ 147,000 |
| Richmond County Georgia | 2 | $ 121,000 | $ 60,000 | $ 37,000 |
| Whitfield County Georgia | 2 | $ 350,000 | $ 175,000 | $ 78,000 |
| Buncombe County North Carolina | 2 | $ 162,000 | $ 81,000 | $ 22,000 |
| Watauga County North Carolina | 2 | $ 164,000 | $ 82,000 | $ 37,000 |
| Greenville County South Carolina | 2 | $ 204,000 | $ 102,000 | $ 23,000 |
| Bradley County Tennessee | 2 | $ 492,000 | $ 246,000 | $ 85,000 |
| Coosa County Alabama | 1 | $ 200,000 | $ 200,000 | $ 64,000 |
| Mobile County Alabama | 1 | $ 332,000 | $ 332,000 | $ 150,000 |
| Citrus County Florida | 1 | $ 54,000 | $ 54,000 | $ 36,000 |
| Duval County Florida | 1 | $ 172,000 | $ 172,000 | $ 420,000 |
| Escambia County Florida | 1 | $ 99,000 | $ 99,000 | $ 90,000 |
| Nassau County Florida | 1 | $ 90,000 | $ 90,000 | $ 120,000 |
| Pasco County Florida | 1 | $ 81,000 | $ 81,000 | $ 33,000 |
| Putnam County Florida | 1 | $ 39,000 | $ 39,000 | $ 93,000 |
| St. Johns County Florida | 1 | $ 323,000 | $ 323,000 | $ 142,000 |
| Walton County Florida | 1 | $ 300,000 | $ 300,000 | $ 155,000 |
| Bibb County Georgia | 1 | $ 54,000 | $ 54,000 | $ 59,000 |
| Clayton County Georgia | 1 | $ 75,000 | $ 75,000 | $ 30,000 |
| Dougherty County Georgia | 1 | $ 117,000 | $ 117,000 | $ 44,000 |
| Effingham County Georgia | 1 | $ 129,000 | $ 129,000 | $ 31,000 |
| Elbert County Georgia | 1 | $ 51,000 | $ 51,000 | $ 50,000 |
| Harris County Georgia | 1 | $ 130,000 | $ 130,000 | $ 42,000 |
| Laurens County Georgia | 1 | $ 65,000 | $ 65,000 | $ 24,000 |
| Monroe County Georgia | 1 | $ 141,000 | $ 141,000 | $ 53,000 |
| Morgan County Georgia | 1 | $ 165,000 | $ 165,000 | $ 78,000 |
| Newton County Georgia | 1 | $ 139,000 | $ 139,000 | $ 89,000 |
| Oconee County Georgia | 1 | $ 105,000 | $ 105,000 | $ 41,000 |
| Putnam County Georgia | 1 | $ 248,000 | $ 248,000 | $ 60,000 |
| Rockdale County Georgia | 1 | $ 139,000 | $ 139,000 | $ 63,000 |
| Troup County Georgia | 1 | $ 82,000 | $ 82,000 | $ 58,000 |
| Walton County Georgia | 1 | $ 206,000 | $ 206,000 | $ 30,000 |
| Davidson County North Carolina | 1 | $ 133,000 | $ 133,000 | $ 51,000 |
| McDowell County North Carolina | 1 | $ 412,000 | $ 412,000 | $ 139,000 |
| New Hanover County North Carolina | 1 | $ 143,000 | $ 143,000 | $ 187,000 |
| Orange County North Carolina | 1 | $ 167,000 | $ 167,000 | $ 58,000 |
| Wake County North Carolina | 1 | $ 148,000 | $ 148,000 | $ 166,000 |
| Horry County South Carolina | 1 | $ 147,000 | $ 147,000 | $ 38,000 |
| Spartanburg County South Carolina | 1 | $ 70,000 | $ 70,000 | $ 83,000 |
| Cumberland County Tennessee | 1 | $ 168,000 | $ 168,000 | $ 61,000 |
| Davidson County Tennessee | 1 | $ 154,000 | $ 154,000 | $ 113,000 |
| Hamilton County Tennessee | 1 | $ 91,000 | $ 91,000 | $ 68,000 |
| Sullivan County Tennessee | 1 | $ 124,000 | $ 124,000 | $ 129,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2004
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 | 2,164 | $285,047,000 | $138,833 | $2,776,000 | $73,000 | $2,632,000 |
| Home Purchase | 1,611 | $201,017,000 | $130,833 | $9,300,000 | $70,333 | $1,039,000 |
| Home Improvement | 412 | $14,210,000 | $44,600 | $800,000 | $51,600 | $470,000 |
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 | 3,937 | $459,423,000 | $121,000 | $1,725,000 | $78,000 | $2,632,000 |
| Not applicable | 102 | $26,378,000 | $294,750 | $9,300,000 | $11,000 | $120,000 |
| Hispanic | 64 | $5,547,000 | $85,000 | $255,000 | $56,333 | $271,000 |
| Black or African American | 35 | $2,165,000 | $74,500 | $224,000 | $60,500 | $202,000 |
| Not Provided | 19 | $2,989,000 | $108,000 | $665,000 | $62,500 | $294,000 |
| Asian | 17 | $2,170,000 | $149,500 | $332,000 | $91,500 | $166,000 |
| American Indian or Alaskan Native | 11 | $1,274,000 | $111,000 | $325,000 | $53,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $328,000 | $164,000 | $300,000 | $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) | 4,172 | $498,609,000 | $130,833 | $9,300,000 | $73,666 | $2,632,000 |
| FHA-insured (Federal Housing Administration) | 10 | $978,000 | $97,000 | $150,000 | $37,000 | $70,000 |
| VA-guaranteed (Veterans Administration) | 5 | $687,000 | $128,000 | $193,000 | $54,500 | $102,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 3,627 | $429,933,000 | $131,833 | $9,300,000 | $78,333 | $2,632,000 |
| Application Withdrawn By Applicant | 287 | $41,314,000 | $126,000 | $815,000 | $62,000 | $546,000 |
| Application Denied By Financial Institution | 267 | $28,614,000 | $110,600 | $476,000 | $50,600 | $1,558,000 |
| Application Approved But Not Accepted | 5 | $276,000 | $55,000 | $131,000 | $36,000 | $83,000 |
| Loan Purchased By The Institution | 1 | $137,000 | $137,000 | $137,000 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2004 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.
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with aggregated HMDA statistics today.