United Community Bank Mortgage Lending & HMDA Data, 2008

In 2008, United Community Bank of Blairsville, GA reported 7,738 mortgage applications totaling $1.2 billion, up 9% from 2007. The average application was for $160,416, and applicants reported an average income of $87,774. 82% of its applications resulted in an originated loan and 8% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,203), Gainesville, GA (358) and Rome, GA (245) (applications in parentheses).

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 7,738
Total Mortgage Loan Application Amount $1,241,302,000
Average Mortgage Loan Application Amount $160,416
Highest Mortgage Loan Application Amount $10,374,000
Average Applicant Income $87,774
Highest Applicant Income $9,999,000

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(HMDA) records United Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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.

Mortgage Loan Application Totals for United Community Bank by County in 2008

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Union, Georgia 656 $ 99,842,000 $ 152,198 $ 78,000
Fannin, Georgia 573 $ 102,131,000 $ 178,239 $ 88,000
Habersham, Georgia 426 $ 54,387,000 $ 127,669 $ 62,000
Hall, Georgia 358 $ 66,648,000 $ 186,167 $ 118,000
Gilmer, Georgia 299 $ 41,209,000 $ 137,822 $ 62,000
White, Georgia 287 $ 40,489,000 $ 141,076 $ 70,000
Towns, Georgia 265 $ 51,225,000 $ 193,301 $ 102,000
Floyd, Georgia 245 $ 31,427,000 $ 128,273 $ 115,000
Cherokee, North Carolina 215 $ 28,639,000 $ 133,204 $ 68,000
Chattooga, Georgia 194 $ 15,716,000 $ 81,010 $ 59,000
Glynn, Georgia 193 $ 60,958,000 $ 315,844 $ 190,000
Macon, North Carolina 174 $ 27,213,000 $ 156,396 $ 85,000
Lumpkin, Georgia 169 $ 18,065,000 $ 106,893 $ 63,000
Clay, North Carolina 152 $ 23,341,000 $ 153,559 $ 65,000
Dawson, Georgia 139 $ 11,816,000 $ 85,007 $ 49,000
Rabun, Georgia 133 $ 21,188,000 $ 159,308 $ 96,000
Bradley, Tennessee 122 $ 16,807,000 $ 137,762 $ 85,000
Yancey, North Carolina 120 $ 22,654,000 $ 188,783 $ 79,000
Haywood, North Carolina 115 $ 19,383,000 $ 168,547 $ 82,000
Bartow, Georgia 113 $ 18,004,000 $ 159,327 $ 71,000
Cherokee, Georgia 108 $ 22,692,000 $ 210,111 $ 116,000
Graham, North Carolina 101 $ 11,326,000 $ 112,138 $ 74,000
Chatham, Georgia 99 $ 19,440,000 $ 196,363 $ 134,000
Loudon, Tennessee 97 $ 14,780,000 $ 152,371 $ 58,000
Mitchell, North Carolina 94 $ 12,712,000 $ 135,234 $ 58,000
Roane, Tennessee 91 $ 10,271,000 $ 112,868 $ 67,000
Cobb, Georgia 87 $ 15,663,000 $ 180,034 $ 92,000
Forsyth, Georgia 87 $ 13,937,000 $ 160,195 $ 81,000
Swain, North Carolina 82 $ 14,458,000 $ 176,317 $ 115,000
Jackson, Georgia 81 $ 11,582,000 $ 142,987 $ 67,000
Fulton, Georgia 78 $ 10,869,000 $ 139,346 $ 116,000
Newton, Georgia 76 $ 10,613,000 $ 139,644 $ 76,000
Jackson, North Carolina 75 $ 16,299,000 $ 217,320 $ 88,000
Monroe, Tennessee 75 $ 6,787,000 $ 90,493 $ 50,000
Carroll, Georgia 72 $ 10,096,000 $ 140,222 $ 140,000
Banks, Georgia 71 $ 11,536,000 $ 162,478 $ 76,000
Avery, North Carolina 67 $ 8,629,000 $ 128,791 $ 58,000
Transylvania, North Carolina 67 $ 14,601,000 $ 217,925 $ 115,000
DeKalb, Georgia 60 $ 9,285,000 $ 154,750 $ 122,000
Gwinnett, Georgia 58 $ 13,744,000 $ 236,965 $ 152,000
Pickens, Georgia 58 $ 10,884,000 $ 187,655 $ 90,000
Knox, Tennessee 55 $ 8,133,000 $ 147,872 $ 104,000
Paulding, Georgia 53 $ 7,987,000 $ 150,698 $ 72,000
Polk, Tennessee 51 $ 7,517,000 $ 147,392 $ 46,000
McMinn, Tennessee 46 $ 5,331,000 $ 115,891 $ 73,000
Gordon, Georgia 39 $ 5,322,000 $ 136,461 $ 63,000
Coweta, Georgia 36 $ 4,683,000 $ 130,083 $ 86,000
Henry, Georgia 34 $ 7,191,000 $ 211,500 $ 53,000
Rockdale, Georgia 34 $ 4,928,000 $ 144,941 $ 70,000
Henderson, North Carolina 34 $ 5,866,000 $ 172,529 $ 79,000
Blount, Tennessee 30 $ 3,925,000 $ 130,833 $ 52,000
Polk, Georgia 28 $ 3,435,000 $ 122,678 $ 70,000
Watauga, North Carolina 28 $ 6,142,000 $ 219,357 $ 95,000
Ware, Georgia 24 $ 1,132,000 $ 47,166 $ 43,000
Sevier, Tennessee 24 $ 6,365,000 $ 265,208 $ 110,000
Cherokee, Alabama 23 $ 2,799,000 $ 121,695 $ 85,000
Buncombe, North Carolina 22 $ 6,080,000 $ 276,363 $ 90,000
Hamilton, Tennessee 22 $ 3,311,000 $ 150,500 $ 86,000
Clayton, Georgia 21 $ 1,953,000 $ 93,000 $ 122,000
Douglas, Georgia 21 $ 2,346,000 $ 111,714 $ 77,000
Stephens, Georgia 21 $ 3,042,000 $ 144,857 $ 71,000
Lafayette, Mississippi 19 $ 2,956,000 $ 155,578 $ 0
Walton, Georgia 17 $ 4,300,000 $ 252,941 $ 69,000
Carter, Tennessee 17 $ 1,829,000 $ 107,588 $ 63,000
Bryan, Georgia 16 $ 3,006,000 $ 187,875 $ 95,000
Walker, Georgia 16 $ 3,958,000 $ 247,375 $ 253,000
Fayette, Georgia 15 $ 5,615,000 $ 374,333 $ 143,000
Hart, Georgia 14 $ 2,960,000 $ 211,428 $ 152,000
Barrow, Georgia 13 $ 1,391,000 $ 107,000 $ 103,000
Franklin, Georgia 13 $ 1,704,000 $ 131,076 $ 112,000
Rhea, Tennessee 13 $ 1,708,000 $ 131,384 $ 55,000
Effingham, Georgia 12 $ 1,705,000 $ 142,083 $ 177,000
Madison, North Carolina 11 $ 1,498,000 $ 136,181 $ 45,000
Clarke, Georgia 10 $ 1,227,000 $ 122,700 $ 130,000
Murray, Georgia 10 $ 1,246,000 $ 124,600 $ 120,000
Camden, Georgia 9 $ 6,335,000 $ 703,888 $ 46,000
Haralson, Georgia 9 $ 1,215,000 $ 135,000 $ 64,000
McIntosh, Georgia 9 $ 1,435,000 $ 159,444 $ 199,000
McDowell, North Carolina 9 $ 1,308,000 $ 145,333 $ 84,000
Madison, Georgia 8 $ 1,431,000 $ 178,875 $ 100,000
Oconee, Georgia 8 $ 2,438,000 $ 304,750 $ 106,000
Anderson, Tennessee 8 $ 1,468,000 $ 183,500 $ 131,000
DeKalb, Alabama 7 $ 863,000 $ 123,285 $ 69,000
Catoosa, Georgia 7 $ 8,075,000 $ 1,153,571 $ 56,000
Putnam, Georgia 7 $ 2,643,000 $ 377,571 $ 316,000
Greene, Georgia 6 $ 1,734,000 $ 289,000 $ 233,000
Jasper, Georgia 6 $ 673,000 $ 112,166 $ 71,000
Meigs, Tennessee 6 $ 787,000 $ 131,166 $ 62,000
Bay, Florida 5 $ 1,873,000 $ 374,600 $ 187,000
Liberty, Georgia 5 $ 4,079,000 $ 815,800 $ 40,000
Oglethorpe, Georgia 5 $ 1,135,000 $ 227,000 $ 362,000
Pierce, Georgia 5 $ 278,000 $ 55,600 $ 47,000
Spalding, Georgia 5 $ 1,299,000 $ 259,800 $ 83,000
Wayne, Georgia 5 $ 317,000 $ 63,400 $ 65,000
Cumberland, Tennessee 5 $ 613,000 $ 122,600 $ 67,000
Walton, Florida 4 $ 1,035,000 $ 258,750 $ 158,000
Brantley, Georgia 4 $ 252,000 $ 63,000 $ 54,000
Elbert, Georgia 4 $ 482,000 $ 120,500 $ 15,000
Troup, Georgia 4 $ 257,000 $ 64,250 $ 48,000
Whitfield, Georgia 4 $ 416,000 $ 104,000 $ 34,000
Anderson, South Carolina 4 $ 742,000 $ 185,500 $ 165,000
Chambers, Alabama 3 $ 131,000 $ 43,666 $ 0
Duval, Florida 3 $ 522,000 $ 174,000 $ 61,000
Okaloosa, Florida 3 $ 1,527,000 $ 509,000 $ 178,000
Volusia, Florida 3 $ 896,000 $ 298,666 $ 225,000
Bulloch, Georgia 3 $ 484,000 $ 161,333 $ 82,000
Morgan, Georgia 3 $ 2,597,000 $ 865,666 $ 49,000
Caldwell, North Carolina 3 $ 277,000 $ 92,333 $ 62,000
Beaufort, South Carolina 3 $ 1,017,000 $ 339,000 $ 120,000
Charleston, South Carolina 3 $ 335,000 $ 111,666 $ 82,000
Oconee, South Carolina 3 $ 816,000 $ 272,000 $ 1,231,000
Covington, Alabama 2 $ 50,000 $ 25,000 $ 70,000
Randolph, Alabama 2 $ 440,000 $ 220,000 $ 127,000
Russell, Alabama 2 $ 153,000 $ 76,500 $ 39,000
Palm Beach, Florida 2 $ 230,000 $ 115,000 $ 47,000
Jones, Georgia 2 $ 195,000 $ 97,500 $ 180,000
Meriwether, Georgia 2 $ 166,000 $ 83,000 $ 38,000
Muscogee, Georgia 2 $ 203,000 $ 101,500 $ 106,000
Sumter, Georgia 2 $ 1,197,000 $ 598,500 $ 27,000
Tattnall, Georgia 2 $ 87,000 $ 43,500 $ 70,000
Wilkes, Georgia 2 $ 232,000 $ 116,000 $ 71,000
Ashe, North Carolina 2 $ 464,000 $ 232,000 $ 259,000
Burke, North Carolina 2 $ 968,000 $ 484,000 $ 683,000
Catawba, North Carolina 2 $ 621,000 $ 310,500 $ 72,000
Rutherford, North Carolina 2 $ 270,000 $ 135,000 $ 12,000
Davidson, Tennessee 2 $ 462,000 $ 231,000 $ 218,000
Union, Tennessee 2 $ 294,000 $ 147,000 $ 101,000
Washington, Tennessee 2 $ 291,000 $ 145,500 $ 177,000
Cleburne, Alabama 1 $ 247,000 $ 247,000 $ 336,000
Mobile, Alabama 1 $ 545,000 $ 545,000 $ 315,000
Shelby, Alabama 1 $ 194,000 $ 194,000 $ 93,000
Baker, Florida 1 $ 274,000 $ 274,000 $ 152,000
Brevard, Florida 1 $ 5,000 $ 5,000 $ 26,000
Broward, Florida 1 $ 304,000 $ 304,000 $ 596,000
Clay, Florida 1 $ 208,000 $ 208,000 $ 101,000
Collier, Florida 1 $ 350,000 $ 350,000 $ 111,000
Columbia, Florida 1 $ 62,000 $ 62,000 $ 61,000
Escambia, Florida 1 $ 406,000 $ 406,000 $ 137,000
Lee, Florida 1 $ 125,000 $ 125,000 $ 53,000
Leon, Florida 1 $ 92,000 $ 92,000 $ 205,000
Polk, Florida 1 $ 125,000 $ 125,000 $ 86,000
Seminole, Florida 1 $ 10,000 $ 10,000 $ 104,000
St. Johns, Florida 1 $ 30,000 $ 30,000 $ 0
Wakulla, Florida 1 $ 457,000 $ 457,000 $ 0
Bibb, Georgia 1 $ 90,000 $ 90,000 $ 18,000
Butts, Georgia 1 $ 161,000 $ 161,000 $ 41,000
Columbia, Georgia 1 $ 123,000 $ 123,000 $ 47,000
Houston, Georgia 1 $ 200,000 $ 200,000 $ 72,000
Lincoln, Georgia 1 $ 105,000 $ 105,000 $ 492,000
Mitchell, Georgia 1 $ 484,000 $ 484,000 $ 217,000
Monroe, Georgia 1 $ 192,000 $ 192,000 $ 488,000
Treutlen, Georgia 1 $ 32,000 $ 32,000 $ 94,000
Custer, Montana 1 $ 5,000 $ 5,000 $ 35,000
Alexander, North Carolina 1 $ 76,000 $ 76,000 $ 69,000
Gaston, North Carolina 1 $ 136,000 $ 136,000 $ 221,000
Guilford, North Carolina 1 $ 56,000 $ 56,000 $ 84,000
Moore, North Carolina 1 $ 121,000 $ 121,000 $ 41,000
New Hanover, North Carolina 1 $ 160,000 $ 160,000 $ 114,000
Rowan, North Carolina 1 $ 2,000 $ 2,000 $ 39,000
Union, North Carolina 1 $ 116,000 $ 116,000 $ 184,000
Greenville, South Carolina 1 $ 358,000 $ 358,000 $ 162,000
Lancaster, South Carolina 1 $ 80,000 $ 80,000 $ 60,000
Pickens, South Carolina 1 $ 120,000 $ 120,000 $ 40,000
Spartanburg, South Carolina 1 $ 370,000 $ 370,000 $ 75,000
Greene, Tennessee 1 $ 165,000 $ 165,000 $ 128,000
Hamblen, Tennessee 1 $ 871,000 $ 871,000 $ 876,000
Marion, Tennessee 1 $ 1,556,000 $ 1,556,000 $ 0
Putnam, Tennessee 1 $ 124,000 $ 124,000 $ 45,000
Smith, Tennessee 1 $ 117,000 $ 117,000 $ 50,000
Cameron, Texas 1 $ 3,000 $ 3,000 $ 45,000

Mortgage Loan Application Detail Totals for United Community Bank in 2008

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 4,626 $826,770,000 $178,000 $10,374,000 $88,000 $2,834,000
Home Purchase 2,329 $374,817,000 $160,000 $2,519,000 $97,000 $9,999,000
Home Improvement 783 $39,715,000 $50,000 $4,750,000 $59,000 $1,665,000

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 6,603 $970,951,000 $147,000 $5,557,000 $95,000 $9,999,000
Not applicable 609 $198,645,000 $326,000 $10,374,000 $0 $250,000
Not Provided 213 $35,797,000 $168,000 $1,190,000 $129,000 $2,834,000
Black or African American 129 $14,494,000 $112,000 $552,000 $72,000 $262,000
Hispanic 121 $14,485,000 $119,000 $477,000 $70,000 $364,000
Asian 32 $3,989,000 $124,000 $372,000 $46,000 $132,000
American Indian or Alaskan Native 25 $2,120,000 $84,000 $330,000 $69,000 $345,000
Native Hawaiian or Other Pacific Islander 6 $821,000 $136,000 $360,000 $71,000 $165,000

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) 7,185 $1,169,032,000 $162,000 $10,374,000 $91,000 $9,999,000
FHA-insured (Federal Housing Administration) 362 $49,327,000 $136,000 $364,000 $52,000 $246,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 180 $21,758,000 $120,000 $329,000 $38,000 $139,000
VA-guaranteed (Veterans Administration) 11 $1,185,000 $107,000 $215,000 $50,000 $98,000

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 6,378 $1,013,687,000 $158,000 $10,374,000 $89,000 $9,327,000
Application Withdrawn By Applicant 730 $133,263,000 $182,000 $2,665,000 $101,000 $9,999,000
Application Denied By Financial Institution 592 $88,451,000 $149,000 $1,100,000 $56,000 $708,000
Application Approved But Not Accepted 35 $4,514,000 $128,000 $304,000 $65,000 $548,000
File Closed For Incompleteness 3 $1,387,000 $462,000 $1,050,000 $107,000 $230,000
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 2008 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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