United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2006
United Community 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 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 | 6,302 |
| Total Mortgage Loan Application Amount | $885,753,000 |
| Average Mortgage Loan Application Amount | $116,666 |
| Highest Mortgage Loan Application Amount | $12,500,000 |
| Average Applicant Income | $72,333 |
| Highest Applicant Income | $6,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2006 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 2006 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 2006.
| 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 | 590 | $ 78,990,000 | $ 133,000 | $ 78,000 |
| Fannin County Georgia | 526 | $ 85,592,000 | $ 162,000 | $ 77,000 |
| Habersham County Georgia | 412 | $ 47,377,000 | $ 114,000 | $ 69,000 |
| Hall County Georgia | 337 | $ 55,001,000 | $ 163,000 | $ 77,000 |
| White County Georgia | 312 | $ 38,997,000 | $ 124,000 | $ 63,000 |
| Towns County Georgia | 271 | $ 42,016,000 | $ 155,000 | $ 86,000 |
| Gilmer County Georgia | 256 | $ 31,250,000 | $ 122,000 | $ 62,000 |
| Floyd County Georgia | 240 | $ 27,111,000 | $ 112,000 | $ 111,000 |
| Chattooga County Georgia | 200 | $ 13,842,000 | $ 69,000 | $ 51,000 |
| Lumpkin County Georgia | 189 | $ 19,538,000 | $ 103,000 | $ 58,000 |
| Cherokee County North Carolina | 186 | $ 27,943,000 | $ 150,000 | $ 81,000 |
| Glynn County Georgia | 171 | $ 43,431,000 | $ 253,000 | $ 143,000 |
| Dawson County Georgia | 143 | $ 13,493,000 | $ 94,000 | $ 58,000 |
| Rabun County Georgia | 139 | $ 12,021,000 | $ 86,000 | $ 60,000 |
| Clay County North Carolina | 116 | $ 19,083,000 | $ 164,000 | $ 69,000 |
| Macon County North Carolina | 110 | $ 18,635,000 | $ 169,000 | $ 89,000 |
| Chatham County Georgia | 97 | $ 15,340,000 | $ 158,000 | $ 103,000 |
| Bartow County Georgia | 83 | $ 7,065,000 | $ 85,000 | $ 67,000 |
| Swain County North Carolina | 83 | $ 17,703,000 | $ 213,000 | $ 155,000 |
| Newton County Georgia | 82 | $ 10,635,000 | $ 129,000 | $ 63,000 |
| Loudon County Tennessee | 71 | $ 11,795,000 | $ 166,000 | $ 74,000 |
| Cobb County Georgia | 60 | $ 10,126,000 | $ 168,000 | $ 134,000 |
| Roane County Tennessee | 60 | $ 6,042,000 | $ 100,000 | $ 63,000 |
| Carroll County Georgia | 59 | $ 8,369,000 | $ 141,000 | $ 86,000 |
| Forsyth County Georgia | 59 | $ 6,135,000 | $ 103,000 | $ 50,000 |
| Fulton County Georgia | 58 | $ 8,474,000 | $ 146,000 | $ 90,000 |
| Mitchell County North Carolina | 58 | $ 8,263,000 | $ 142,000 | $ 49,000 |
| Polk County Tennessee | 58 | $ 6,456,000 | $ 111,000 | $ 57,000 |
| Jackson County Georgia | 57 | $ 9,279,000 | $ 162,000 | $ 60,000 |
| Bradley County Tennessee | 56 | $ 9,764,000 | $ 174,000 | $ 106,000 |
| Cherokee County Georgia | 51 | $ 9,035,000 | $ 177,000 | $ 85,000 |
| Coweta County Georgia | 51 | $ 7,267,000 | $ 142,000 | $ 68,000 |
| Banks County Georgia | 49 | $ 6,279,000 | $ 128,000 | $ 63,000 |
| Knox County Tennessee | 46 | $ 6,142,000 | $ 133,000 | $ 79,000 |
| Jackson County North Carolina | 43 | $ 11,367,000 | $ 264,000 | $ 105,000 |
| Graham County North Carolina | 39 | $ 6,974,000 | $ 178,000 | $ 109,000 |
| Pickens County Georgia | 35 | $ 5,959,000 | $ 170,000 | $ 54,000 |
| Monroe County Tennessee | 34 | $ 3,361,000 | $ 98,000 | $ 48,000 |
| Rockdale County Georgia | 33 | $ 4,075,000 | $ 123,000 | $ 86,000 |
| Stephens County Georgia | 33 | $ 4,408,000 | $ 133,000 | $ 57,000 |
| Blount County Tennessee | 33 | $ 5,099,000 | $ 154,000 | $ 75,000 |
| DeKalb County Georgia | 31 | $ 6,398,000 | $ 206,000 | $ 191,000 |
| Gordon County Georgia | 31 | $ 3,671,000 | $ 118,000 | $ 100,000 |
| Henry County Georgia | 31 | $ 5,910,000 | $ 190,000 | $ 87,000 |
| Gwinnett County Georgia | 30 | $ 5,186,000 | $ 172,000 | $ 69,000 |
| Cherokee County Alabama | 29 | $ 3,768,000 | $ 129,000 | $ 68,000 |
| Yancey County North Carolina | 27 | $ 3,992,000 | $ 147,000 | $ 72,000 |
| McMinn County Tennessee | 27 | $ 1,706,000 | $ 63,000 | $ 68,000 |
| Franklin County Georgia | 25 | $ 2,457,000 | $ 98,000 | $ 58,000 |
| Paulding County Georgia | 24 | $ 3,440,000 | $ 143,000 | $ 68,000 |
| Avery County North Carolina | 23 | $ 3,924,000 | $ 170,000 | $ 53,000 |
| Ware County Georgia | 20 | $ 1,086,000 | $ 54,000 | $ 47,000 |
| Clayton County Georgia | 19 | $ 2,012,000 | $ 105,000 | $ 173,000 |
| Fayette County Georgia | 19 | $ 3,921,000 | $ 206,000 | $ 97,000 |
| Walton County Georgia | 17 | $ 2,861,000 | $ 168,000 | $ 138,000 |
| Clarke County Georgia | 16 | $ 2,253,000 | $ 140,000 | $ 66,000 |
| Sevier County Tennessee | 14 | $ 2,403,000 | $ 171,000 | $ 126,000 |
| Douglas County Georgia | 13 | $ 2,044,000 | $ 157,000 | $ 41,000 |
| McIntosh County Georgia | 12 | $ 1,144,000 | $ 95,000 | $ 60,000 |
| Buncombe County North Carolina | 12 | $ 2,614,000 | $ 217,000 | $ 120,000 |
| Hart County Georgia | 10 | $ 1,050,000 | $ 105,000 | $ 101,000 |
| Pierce County Georgia | 10 | $ 646,000 | $ 64,000 | $ 39,000 |
| Haywood County North Carolina | 10 | $ 1,166,000 | $ 116,000 | $ 44,000 |
| Brantley County Georgia | 9 | $ 340,000 | $ 37,000 | $ 58,000 |
| Murray County Georgia | 9 | $ 1,755,000 | $ 195,000 | $ 52,000 |
| Walker County Georgia | 9 | $ 1,129,000 | $ 125,000 | $ 57,000 |
| Wayne County Georgia | 9 | $ 436,000 | $ 48,000 | $ 43,000 |
| McDowell County North Carolina | 9 | $ 1,727,000 | $ 191,000 | $ 121,000 |
| Bay County Florida | 8 | $ 3,116,000 | $ 389,000 | $ 223,000 |
| Polk County Georgia | 8 | $ 979,000 | $ 122,000 | $ 47,000 |
| Barrow County Georgia | 7 | $ 870,000 | $ 124,000 | $ 129,000 |
| Effingham County Georgia | 7 | $ 1,584,000 | $ 226,000 | $ 50,000 |
| Madison County Georgia | 7 | $ 485,000 | $ 69,000 | $ 154,000 |
| Anderson County Tennessee | 7 | $ 571,000 | $ 81,000 | $ 99,000 |
| Camden County Georgia | 6 | $ 821,000 | $ 136,000 | $ 172,000 |
| Troup County Georgia | 6 | $ 748,000 | $ 124,000 | $ 52,000 |
| Oconee County South Carolina | 6 | $ 653,000 | $ 108,000 | $ 62,000 |
| Meigs County Tennessee | 6 | $ 839,000 | $ 139,000 | $ 49,000 |
| Randolph County Alabama | 5 | $ 1,086,000 | $ 217,000 | $ 109,000 |
| Bulloch County Georgia | 5 | $ 773,000 | $ 154,000 | $ 121,000 |
| Morgan County Georgia | 5 | $ 921,000 | $ 184,000 | $ 31,000 |
| Rhea County Tennessee | 5 | $ 536,000 | $ 107,000 | $ 31,000 |
| Bryan County Georgia | 4 | $ 713,000 | $ 178,000 | $ 61,000 |
| Haralson County Georgia | 4 | $ 563,000 | $ 140,000 | $ 70,000 |
| Oglethorpe County Georgia | 4 | $ 262,000 | $ 65,000 | $ 142,000 |
| Putnam County Georgia | 4 | $ 792,000 | $ 198,000 | $ 193,000 |
| Watauga County North Carolina | 4 | $ 802,000 | $ 200,000 | $ 117,000 |
| Okaloosa County Florida | 3 | $ 1,221,000 | $ 407,000 | $ 18,000 |
| Heard County Georgia | 3 | $ 517,000 | $ 172,000 | $ 81,000 |
| Pike County Georgia | 3 | $ 739,000 | $ 246,000 | $ 82,000 |
| Ashe County North Carolina | 3 | $ 370,000 | $ 123,000 | $ 66,000 |
| Horry County South Carolina | 3 | $ 1,030,000 | $ 343,000 | $ 555,000 |
| Hamilton County Tennessee | 3 | $ 413,000 | $ 137,000 | $ 126,000 |
| Sullivan County Tennessee | 3 | $ 236,000 | $ 78,000 | $ 319,000 |
| DeKalb County Alabama | 2 | $ 87,000 | $ 43,000 | $ 29,000 |
| Tallapoosa County Alabama | 2 | $ 913,000 | $ 456,000 | $ 185,000 |
| Lee County Florida | 2 | $ 429,000 | $ 214,000 | $ 202,000 |
| Pinellas County Florida | 2 | $ 447,000 | $ 223,000 | $ 129,000 |
| St. Lucie County Florida | 2 | $ 320,000 | $ 160,000 | $ 70,000 |
| Volusia County Florida | 2 | $ 372,000 | $ 186,000 | $ 54,000 |
| Walton County Florida | 2 | $ 292,000 | $ 146,000 | $ 85,000 |
| Jasper County Georgia | 2 | $ 390,000 | $ 195,000 | $ 49,000 |
| Liberty County Georgia | 2 | $ 345,000 | $ 172,000 | $ 78,000 |
| Meriwether County Georgia | 2 | $ 274,000 | $ 137,000 | $ 38,000 |
| Monroe County Georgia | 2 | $ 260,000 | $ 130,000 | $ 278,000 |
| Oconee County Georgia | 2 | $ 662,000 | $ 331,000 | $ 301,000 |
| Spalding County Georgia | 2 | $ 63,000 | $ 31,000 | $ 312,000 |
| Taliaferro County Georgia | 2 | $ 52,000 | $ 26,000 | $ 0 |
| Wilkes County Georgia | 2 | $ 476,000 | $ 238,000 | $ 142,000 |
| Wayne County North Carolina | 2 | $ 214,000 | $ 107,000 | $ 16,000 |
| Anderson County South Carolina | 2 | $ 203,000 | $ 101,000 | $ 163,000 |
| Charleston County South Carolina | 2 | $ 134,000 | $ 67,000 | $ 36,000 |
| Carter County Tennessee | 2 | $ 280,000 | $ 140,000 | $ 84,000 |
| Calhoun County Alabama | 1 | $ 165,000 | $ 165,000 | $ 147,000 |
| Cleburne County Alabama | 1 | $ 82,000 | $ 82,000 | $ 0 |
| Shelby County Alabama | 1 | $ 234,000 | $ 234,000 | $ 51,000 |
| Brevard County Florida | 1 | $ 125,000 | $ 125,000 | $ 61,000 |
| Charlotte County Florida | 1 | $ 76,000 | $ 76,000 | $ 0 |
| Dixie County Florida | 1 | $ 222,000 | $ 222,000 | $ 180,000 |
| Duval County Florida | 1 | $ 58,000 | $ 58,000 | $ 99,000 |
| Flagler County Florida | 1 | $ 525,000 | $ 525,000 | $ 217,000 |
| Highlands County Florida | 1 | $ 5,000 | $ 5,000 | $ 110,000 |
| Hillsborough County Florida | 1 | $ 126,000 | $ 126,000 | $ 55,000 |
| Osceola County Florida | 1 | $ 400,000 | $ 400,000 | $ 184,000 |
| Pasco County Florida | 1 | $ 200,000 | $ 200,000 | $ 182,000 |
| Sarasota County Florida | 1 | $ 115,000 | $ 115,000 | $ 35,000 |
| Sumter County Florida | 1 | $ 175,000 | $ 175,000 | $ 55,000 |
| Appling County Georgia | 1 | $ 29,000 | $ 29,000 | $ 31,000 |
| Bibb County Georgia | 1 | $ 15,000 | $ 15,000 | $ 52,000 |
| Butts County Georgia | 1 | $ 135,000 | $ 135,000 | $ 38,000 |
| Candler County Georgia | 1 | $ 401,000 | $ 401,000 | $ 277,000 |
| Catoosa County Georgia | 1 | $ 283,000 | $ 283,000 | $ 53,000 |
| Coffee County Georgia | 1 | $ 66,000 | $ 66,000 | $ 33,000 |
| Crawford County Georgia | 1 | $ 635,000 | $ 635,000 | $ 247,000 |
| Dooly County Georgia | 1 | $ 6,000 | $ 6,000 | $ 8,000 |
| Elbert County Georgia | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Houston County Georgia | 1 | $ 57,000 | $ 57,000 | $ 64,000 |
| Lamar County Georgia | 1 | $ 70,000 | $ 70,000 | $ 11,000 |
| Laurens County Georgia | 1 | $ 90,000 | $ 90,000 | $ 0 |
| Lincoln County Georgia | 1 | $ 110,000 | $ 110,000 | $ 154,000 |
| Lowndes County Georgia | 1 | $ 121,000 | $ 121,000 | $ 235,000 |
| Muscogee County Georgia | 1 | $ 124,000 | $ 124,000 | $ 60,000 |
| Richmond County Georgia | 1 | $ 129,000 | $ 129,000 | $ 76,000 |
| Whitfield County Georgia | 1 | $ 85,000 | $ 85,000 | $ 31,000 |
| St. Clair County Illinois | 1 | $ 230,000 | $ 230,000 | $ 210,000 |
| Barren County Kentucky | 1 | $ 190,000 | $ 190,000 | $ 36,000 |
| Christian County Kentucky | 1 | $ 140,000 | $ 140,000 | $ 0 |
| Monroe County Kentucky | 1 | $ 57,000 | $ 57,000 | $ 108,000 |
| Gallatin County Montana | 1 | $ 1,205,000 | $ 1,205,000 | $ 0 |
| Burke County North Carolina | 1 | $ 100,000 | $ 100,000 | $ 111,000 |
| Catawba County North Carolina | 1 | $ 362,000 | $ 362,000 | $ 120,000 |
| Henderson County North Carolina | 1 | $ 170,000 | $ 170,000 | $ 42,000 |
| Iredell County North Carolina | 1 | $ 122,000 | $ 122,000 | $ 0 |
| Mecklenburg County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 127,000 |
| Moore County North Carolina | 1 | $ 173,000 | $ 173,000 | $ 46,000 |
| Transylvania County North Carolina | 1 | $ 110,000 | $ 110,000 | $ 39,000 |
| Pickens County South Carolina | 1 | $ 74,000 | $ 74,000 | $ 82,000 |
| Saluda County South Carolina | 1 | $ 51,000 | $ 51,000 | $ 54,000 |
| Cumberland County Tennessee | 1 | $ 93,000 | $ 93,000 | $ 66,000 |
| Davidson County Tennessee | 1 | $ 124,000 | $ 124,000 | $ 86,000 |
| Grainger County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 44,000 |
| Greene County Tennessee | 1 | $ 180,000 | $ 180,000 | $ 192,000 |
| Lawrence County Tennessee | 1 | $ 58,000 | $ 58,000 | $ 22,000 |
| Marion County Tennessee | 1 | $ 160,000 | $ 160,000 | $ 74,000 |
| Montgomery County Tennessee | 1 | $ 100,000 | $ 100,000 | $ 15,000 |
| Morgan County Tennessee | 1 | $ 159,000 | $ 159,000 | $ 66,000 |
| Robertson County Tennessee | 1 | $ 82,000 | $ 82,000 | $ 179,000 |
Mortgage Loan Application Detail Totals for United Community 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 |
|---|---|---|---|---|---|---|
| Refinancing | 3,312 | $446,807,000 | $134,000 | $4,531,000 | $77,000 | $3,400,000 |
| Home Purchase | 2,472 | $412,593,000 | $166,000 | $12,500,000 | $89,000 | $6,000,000 |
| Home Improvement | 518 | $26,353,000 | $50,000 | $1,484,000 | $51,000 | $1,117,000 |
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 | 5,536 | $746,752,000 | $134,000 | $4,531,000 | $84,000 | $6,000,000 |
| Not applicable | 372 | $90,234,000 | $242,000 | $12,500,000 | $0 | $79,000 |
| Black or African American | 137 | $14,009,000 | $102,000 | $645,000 | $79,000 | $315,000 |
| Not Provided | 106 | $17,016,000 | $160,000 | $700,000 | $100,000 | $461,000 |
| Hispanic | 105 | $10,397,000 | $99,000 | $342,000 | $64,000 | $336,000 |
| Asian | 35 | $5,760,000 | $164,000 | $725,000 | $123,000 | $1,102,000 |
| American Indian or Alaskan Native | 8 | $1,289,000 | $161,000 | $416,000 | $76,000 | $266,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $296,000 | $98,000 | $200,000 | $199,000 | $478,000 |
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) | 6,245 | $878,118,000 | $140,000 | $12,500,000 | $80,000 | $6,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $4,387,000 | $121,000 | $210,000 | $38,000 | $66,000 |
| VA-guaranteed (Veterans Administration) | 11 | $1,848,000 | $168,000 | $417,000 | $65,000 | $142,000 |
| FHA-insured (Federal Housing Administration) | 10 | $1,400,000 | $140,000 | $214,000 | $61,000 | $139,000 |
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 | 5,292 | $731,680,000 | $138,000 | $12,500,000 | $81,000 | $6,000,000 |
| Application Withdrawn By Applicant | 518 | $85,210,000 | $164,000 | $650,000 | $83,000 | $1,303,000 |
| Application Denied By Financial Institution | 462 | $64,504,000 | $139,000 | $880,000 | $55,000 | $578,000 |
| Application Approved But Not Accepted | 28 | $4,239,000 | $151,000 | $309,000 | $75,000 | $276,000 |
| File Closed For Incompleteness | 2 | $120,000 | $60,000 | $60,000 | $183,000 | $183,000 |
| 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 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 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.