United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
United Community Bank 2005 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 | 4,753 |
| Total Mortgage Loan Application Amount | $620,730,000 |
| Average Mortgage Loan Application Amount | $136,650 |
| Highest Mortgage Loan Application Amount | $2,281,000 |
| Average Applicant Income | $69,150 |
| Highest Applicant Income | $3,600,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 436 | $ 52,350,000 | $ 120,000 | $ 77,000 |
| Fannin County Georgia | 356 | $ 48,428,000 | $ 136,000 | $ 83,000 |
| Habersham County Georgia | 327 | $ 35,332,000 | $ 108,000 | $ 37,000 |
| Cherokee County North Carolina | 217 | $ 27,602,000 | $ 127,000 | $ 74,000 |
| White County Georgia | 211 | $ 25,402,000 | $ 120,000 | $ 47,000 |
| Towns County Georgia | 191 | $ 29,138,000 | $ 152,000 | $ 78,000 |
| Gilmer County Georgia | 184 | $ 22,408,000 | $ 121,000 | $ 53,000 |
| Floyd County Georgia | 179 | $ 20,319,000 | $ 113,000 | $ 48,000 |
| Chattooga County Georgia | 178 | $ 14,298,000 | $ 80,000 | $ 38,000 |
| Lumpkin County Georgia | 152 | $ 17,222,000 | $ 113,000 | $ 43,000 |
| Hall County Georgia | 148 | $ 20,300,000 | $ 137,000 | $ 50,000 |
| Glynn County Georgia | 137 | $ 17,489,000 | $ 127,000 | $ 48,000 |
| Clay County North Carolina | 129 | $ 18,984,000 | $ 147,000 | $ 68,000 |
| Rabun County Georgia | 125 | $ 16,640,000 | $ 133,000 | $ 69,000 |
| Macon County North Carolina | 109 | $ 16,858,000 | $ 154,000 | $ 102,000 |
| Dawson County Georgia | 103 | $ 10,548,000 | $ 102,000 | $ 53,000 |
| Swain County North Carolina | 94 | $ 16,540,000 | $ 175,000 | $ 71,000 |
| Loudon County Tennessee | 86 | $ 15,839,000 | $ 184,000 | $ 60,000 |
| Mitchell County North Carolina | 70 | $ 8,292,000 | $ 118,000 | $ 36,000 |
| Graham County North Carolina | 64 | $ 9,153,000 | $ 143,000 | $ 67,000 |
| Yancey County North Carolina | 63 | $ 7,391,000 | $ 117,000 | $ 81,000 |
| Bartow County Georgia | 53 | $ 3,457,000 | $ 65,000 | $ 69,000 |
| Carroll County Georgia | 53 | $ 5,222,000 | $ 98,000 | $ 46,000 |
| Newton County Georgia | 52 | $ 7,433,000 | $ 142,000 | $ 56,000 |
| Coweta County Georgia | 48 | $ 6,479,000 | $ 134,000 | $ 54,000 |
| Forsyth County Georgia | 48 | $ 6,643,000 | $ 138,000 | $ 52,000 |
| Chatham County Georgia | 43 | $ 6,191,000 | $ 143,000 | $ 66,000 |
| Roane County Tennessee | 39 | $ 5,944,000 | $ 152,000 | $ 74,000 |
| Jackson County North Carolina | 38 | $ 5,700,000 | $ 150,000 | $ 81,000 |
| Polk County Tennessee | 38 | $ 3,163,000 | $ 83,000 | $ 28,000 |
| Banks County Georgia | 36 | $ 3,988,000 | $ 110,000 | $ 44,000 |
| Fulton County Georgia | 35 | $ 5,452,000 | $ 155,000 | $ 77,000 |
| Knox County Tennessee | 33 | $ 5,550,000 | $ 168,000 | $ 69,000 |
| Blount County Tennessee | 32 | $ 6,626,000 | $ 207,000 | $ 100,000 |
| Cobb County Georgia | 31 | $ 5,805,000 | $ 187,000 | $ 74,000 |
| Monroe County Tennessee | 31 | $ 3,769,000 | $ 121,000 | $ 82,000 |
| Gwinnett County Georgia | 25 | $ 4,961,000 | $ 198,000 | $ 77,000 |
| Gordon County Georgia | 24 | $ 2,295,000 | $ 95,000 | $ 51,000 |
| Avery County North Carolina | 23 | $ 2,664,000 | $ 115,000 | $ 65,000 |
| Henry County Georgia | 22 | $ 3,041,000 | $ 138,000 | $ 53,000 |
| Stephens County Georgia | 21 | $ 2,558,000 | $ 121,000 | $ 82,000 |
| Fayette County Georgia | 20 | $ 4,435,000 | $ 221,000 | $ 122,000 |
| Rockdale County Georgia | 20 | $ 4,885,000 | $ 244,000 | $ 87,000 |
| Cherokee County Alabama | 19 | $ 1,602,000 | $ 84,000 | $ 54,000 |
| Cherokee County Georgia | 19 | $ 2,692,000 | $ 141,000 | $ 98,000 |
| McMinn County Tennessee | 18 | $ 2,395,000 | $ 133,000 | $ 38,000 |
| Rhea County Tennessee | 18 | $ 1,702,000 | $ 94,000 | $ 50,000 |
| Pickens County Georgia | 17 | $ 2,625,000 | $ 154,000 | $ 59,000 |
| Ware County Georgia | 16 | $ 583,000 | $ 36,000 | $ 45,000 |
| Douglas County Georgia | 15 | $ 2,185,000 | $ 145,000 | $ 65,000 |
| Polk County Georgia | 15 | $ 1,794,000 | $ 119,000 | $ 57,000 |
| Jackson County Georgia | 13 | $ 4,051,000 | $ 311,000 | $ 62,000 |
| Haywood County North Carolina | 12 | $ 3,888,000 | $ 324,000 | $ 955,000 |
| Haralson County Georgia | 11 | $ 1,355,000 | $ 123,000 | $ 31,000 |
| Paulding County Georgia | 11 | $ 994,000 | $ 90,000 | $ 57,000 |
| Madison County Georgia | 9 | $ 864,000 | $ 96,000 | $ 53,000 |
| McIntosh County Georgia | 9 | $ 914,000 | $ 101,000 | $ 88,000 |
| Brantley County Georgia | 8 | $ 674,000 | $ 84,000 | $ 60,000 |
| Walton County Georgia | 8 | $ 1,835,000 | $ 229,000 | $ 77,000 |
| Buncombe County North Carolina | 8 | $ 1,167,000 | $ 145,000 | $ 51,000 |
| Sevier County Tennessee | 8 | $ 1,463,000 | $ 182,000 | $ 111,000 |
| Clarke County Georgia | 7 | $ 642,000 | $ 91,000 | $ 64,000 |
| DeKalb County Georgia | 7 | $ 1,101,000 | $ 157,000 | $ 69,000 |
| Effingham County Georgia | 7 | $ 936,000 | $ 133,000 | $ 56,000 |
| Murray County Georgia | 7 | $ 936,000 | $ 133,000 | $ 57,000 |
| Pierce County Georgia | 7 | $ 280,000 | $ 40,000 | $ 46,000 |
| McDowell County North Carolina | 7 | $ 884,000 | $ 126,000 | $ 64,000 |
| Camden County Georgia | 6 | $ 826,000 | $ 137,000 | $ 99,000 |
| Clayton County Georgia | 6 | $ 864,000 | $ 144,000 | $ 42,000 |
| Franklin County Georgia | 6 | $ 796,000 | $ 132,000 | $ 38,000 |
| Carter County Tennessee | 6 | $ 886,000 | $ 147,000 | $ 77,000 |
| Bibb County Georgia | 5 | $ 469,000 | $ 93,000 | $ 40,000 |
| Hart County Georgia | 5 | $ 852,000 | $ 170,000 | $ 222,000 |
| Randolph County Alabama | 4 | $ 638,000 | $ 159,000 | $ 103,000 |
| Barrow County Georgia | 4 | $ 1,122,000 | $ 280,000 | $ 39,000 |
| Bryan County Georgia | 4 | $ 699,000 | $ 174,000 | $ 71,000 |
| Jasper County Georgia | 4 | $ 397,000 | $ 99,000 | $ 70,000 |
| Toombs County Georgia | 4 | $ 354,000 | $ 88,000 | $ 42,000 |
| Walker County Georgia | 4 | $ 430,000 | $ 107,000 | $ 36,000 |
| Wayne County Georgia | 4 | $ 301,000 | $ 75,000 | $ 40,000 |
| Hamilton County Tennessee | 4 | $ 411,000 | $ 102,000 | $ 53,000 |
| Greene County Georgia | 3 | $ 994,000 | $ 331,000 | $ 227,000 |
| Putnam County Georgia | 3 | $ 2,005,000 | $ 668,000 | $ 146,000 |
| Beaufort County South Carolina | 3 | $ 597,000 | $ 199,000 | $ 185,000 |
| Meigs County Tennessee | 3 | $ 613,000 | $ 204,000 | $ 68,000 |
| Baldwin County Alabama | 2 | $ 303,000 | $ 151,000 | $ 60,000 |
| Coosa County Alabama | 2 | $ 79,000 | $ 39,000 | $ 51,000 |
| Tallapoosa County Alabama | 2 | $ 647,000 | $ 323,000 | $ 131,000 |
| Okaloosa County Florida | 2 | $ 178,000 | $ 89,000 | $ 60,000 |
| St. Johns County Florida | 2 | $ 480,000 | $ 240,000 | $ 168,000 |
| Volusia County Florida | 2 | $ 297,000 | $ 148,000 | $ 141,000 |
| Heard County Georgia | 2 | $ 116,000 | $ 58,000 | $ 39,000 |
| Morgan County Georgia | 2 | $ 296,000 | $ 148,000 | $ 49,000 |
| Oglethorpe County Georgia | 2 | $ 268,000 | $ 134,000 | $ 60,000 |
| Spalding County Georgia | 2 | $ 646,000 | $ 323,000 | $ 104,000 |
| Troup County Georgia | 2 | $ 133,000 | $ 66,000 | $ 30,000 |
| Madison County North Carolina | 2 | $ 444,000 | $ 222,000 | $ 58,000 |
| Anderson County South Carolina | 2 | $ 554,000 | $ 277,000 | $ 48,000 |
| Oconee County South Carolina | 2 | $ 183,000 | $ 91,000 | $ 54,000 |
| Bradley County Tennessee | 2 | $ 337,000 | $ 168,000 | $ 56,000 |
| Jefferson County Tennessee | 2 | $ 560,000 | $ 280,000 | $ 0 |
| Chesterfield County Virginia | 2 | $ 1,080,000 | $ 540,000 | $ 101,000 |
| Dale County Alabama | 1 | $ 141,000 | $ 141,000 | $ 35,000 |
| Jefferson County Alabama | 1 | $ 25,000 | $ 25,000 | $ 66,000 |
| Russell County Alabama | 1 | $ 120,000 | $ 120,000 | $ 66,000 |
| St. Clair County Alabama | 1 | $ 108,000 | $ 108,000 | $ 62,000 |
| Talladega County Alabama | 1 | $ 195,000 | $ 195,000 | $ 99,000 |
| Tuscaloosa County Alabama | 1 | $ 2,000 | $ 2,000 | $ 57,000 |
| Alachua County Florida | 1 | $ 158,000 | $ 158,000 | $ 128,000 |
| Bay County Florida | 1 | $ 239,000 | $ 239,000 | $ 111,000 |
| Flagler County Florida | 1 | $ 250,000 | $ 250,000 | $ 60,000 |
| Gulf County Florida | 1 | $ 935,000 | $ 935,000 | $ 0 |
| Hillsborough County Florida | 1 | $ 166,000 | $ 166,000 | $ 74,000 |
| Indian River County Florida | 1 | $ 359,000 | $ 359,000 | $ 325,000 |
| Marion County Florida | 1 | $ 2,000 | $ 2,000 | $ 26,000 |
| Miami-Dade County Florida | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Sarasota County Florida | 1 | $ 145,000 | $ 145,000 | $ 58,000 |
| Seminole County Florida | 1 | $ 66,000 | $ 66,000 | $ 36,000 |
| Columbia County Georgia | 1 | $ 110,000 | $ 110,000 | $ 0 |
| Cook County Georgia | 1 | $ 236,000 | $ 236,000 | $ 132,000 |
| Elbert County Georgia | 1 | $ 243,000 | $ 243,000 | $ 48,000 |
| Liberty County Georgia | 1 | $ 71,000 | $ 71,000 | $ 64,000 |
| Meriwether County Georgia | 1 | $ 94,000 | $ 94,000 | $ 18,000 |
| Monroe County Georgia | 1 | $ 138,000 | $ 138,000 | $ 107,000 |
| Muscogee County Georgia | 1 | $ 64,000 | $ 64,000 | $ 41,000 |
| Pike County Georgia | 1 | $ 220,000 | $ 220,000 | $ 68,000 |
| Screven County Georgia | 1 | $ 84,000 | $ 84,000 | $ 0 |
| Whitfield County Georgia | 1 | $ 311,000 | $ 311,000 | $ 204,000 |
| Wilkes County Georgia | 1 | $ 50,000 | $ 50,000 | $ 400,000 |
| Cumberland County Kentucky | 1 | $ 122,000 | $ 122,000 | $ 30,000 |
| Franklin County Kentucky | 1 | $ 4,000 | $ 4,000 | $ 39,000 |
| Henderson County North Carolina | 1 | $ 104,000 | $ 104,000 | $ 42,000 |
| Iredell County North Carolina | 1 | $ 145,000 | $ 145,000 | $ 31,000 |
| Mecklenburg County North Carolina | 1 | $ 98,000 | $ 98,000 | $ 50,000 |
| New Hanover County North Carolina | 1 | $ 158,000 | $ 158,000 | $ 106,000 |
| Wake County North Carolina | 1 | $ 276,000 | $ 276,000 | $ 152,000 |
| Watauga County North Carolina | 1 | $ 151,000 | $ 151,000 | $ 54,000 |
| Greenville County South Carolina | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Saluda County South Carolina | 1 | $ 92,000 | $ 92,000 | $ 41,000 |
| Bledsoe County Tennessee | 1 | $ 27,000 | $ 27,000 | $ 24,000 |
| Cumberland County Tennessee | 1 | $ 120,000 | $ 120,000 | $ 78,000 |
| Lawrence County Tennessee | 1 | $ 25,000 | $ 25,000 | $ 19,000 |
| Morgan County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 75,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2005
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 | 2,283 | $308,156,000 | $200,142 | $2,000,000 | $88,857 | $3,600,000 |
| Home Purchase | 2,116 | $300,825,000 | $160,571 | $2,281,000 | $66,857 | $2,500,000 |
| Home Improvement | 354 | $11,749,000 | $34,666 | $258,000 | $48,833 | $321,000 |
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 | 4,384 | $565,337,000 | $198,250 | $1,582,000 | $73,625 | $2,500,000 |
| Not applicable | 95 | $18,608,000 | $282,600 | $2,281,000 | $33,600 | $168,000 |
| Hispanic | 89 | $9,719,000 | $178,600 | $430,000 | $65,800 | $200,000 |
| Black or African American | 82 | $8,580,000 | $95,000 | $690,000 | $70,500 | $676,000 |
| Not Provided | 63 | $12,496,000 | $198,750 | $2,000,000 | $108,750 | $3,600,000 |
| Asian | 28 | $4,014,000 | $191,666 | $428,000 | $55,666 | $288,000 |
| American Indian or Alaskan Native | 10 | $1,687,000 | $164,000 | $650,000 | $66,000 | $199,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $289,000 | $144,000 | $149,000 | $50,000 | $65,000 |
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) | 4,698 | $614,329,000 | $191,625 | $2,281,000 | $75,250 | $3,600,000 |
| FHA-insured (Federal Housing Administration) | 30 | $3,270,000 | $123,000 | $156,000 | $67,000 | $156,000 |
| VA-guaranteed (Veterans Administration) | 25 | $3,131,000 | $112,000 | $210,000 | $43,250 | $82,000 |
| 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 | 4,003 | $518,408,000 | $142,142 | $2,281,000 | $71,571 | $2,500,000 |
| Application Denied By Financial Institution | 453 | $57,578,000 | $195,166 | $1,000,000 | $55,666 | $1,020,000 |
| Application Withdrawn By Applicant | 232 | $35,520,000 | $141,750 | $2,000,000 | $96,000 | $3,600,000 |
| Application Approved But Not Accepted | 59 | $8,577,000 | $166,666 | $500,000 | $71,333 | $368,000 |
| File Closed For Incompleteness | 6 | $647,000 | $99,000 | $195,000 | $55,333 | $88,000 |
| 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 |
|---|---|---|---|---|---|---|
| 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 2005 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.