United Community Bank Mortgage Lending & HMDA Data, 2010

In 2010, United Community Bank of Blairsville, GA reported 6,396 mortgage applications totaling $985.3 million, down 24% from 2009. The average application was for $154,048, and applicants reported an average income of $79,176. 76% of its applications resulted in an originated loan and 12% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,118), Gainesville, GA (248) and Rome, GA (237) (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 6,396
Total Mortgage Loan Application Amount $985,294,000
Average Mortgage Loan Application Amount $154,048
Highest Mortgage Loan Application Amount $10,374,000
Average Applicant Income $79,176
Highest Applicant Income $4,078,000

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(HMDA) records United Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2010

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Union, Georgia 476 $ 66,131,000 $ 138,930 $ 66,000
Fannin, Georgia 436 $ 74,334,000 $ 170,490 $ 71,000
Habersham, Georgia 287 $ 32,126,000 $ 111,937 $ 59,000
Towns, Georgia 261 $ 45,278,000 $ 173,478 $ 83,000
Gilmer, Georgia 258 $ 33,517,000 $ 129,910 $ 67,000
Hall, Georgia 248 $ 44,873,000 $ 180,939 $ 113,000
Floyd, Georgia 237 $ 32,102,000 $ 135,451 $ 81,000
White, Georgia 212 $ 31,293,000 $ 147,608 $ 63,000
Chattooga, Georgia 180 $ 18,012,000 $ 100,066 $ 59,000
Glynn, Georgia 179 $ 48,721,000 $ 272,184 $ 143,000
Bradley, Tennessee 169 $ 23,549,000 $ 139,343 $ 66,000
Cherokee, North Carolina 149 $ 19,808,000 $ 132,939 $ 64,000
Macon, North Carolina 143 $ 21,095,000 $ 147,517 $ 70,000
Lumpkin, Georgia 138 $ 15,376,000 $ 111,420 $ 63,000
Cobb, Georgia 118 $ 24,098,000 $ 204,220 $ 124,000
Transylvania, North Carolina 109 $ 19,494,000 $ 178,844 $ 86,000
Dawson, Georgia 104 $ 12,416,000 $ 119,384 $ 75,000
Yancey, North Carolina 104 $ 18,379,000 $ 176,721 $ 77,000
Clay, North Carolina 97 $ 15,611,000 $ 160,938 $ 73,000
Rabun, Georgia 92 $ 12,311,000 $ 133,815 $ 62,000
Chatham, Georgia 91 $ 16,246,000 $ 178,527 $ 61,000
Bartow, Georgia 88 $ 10,763,000 $ 122,306 $ 66,000
Haywood, North Carolina 88 $ 16,126,000 $ 183,250 $ 83,000
Cherokee, Georgia 85 $ 16,767,000 $ 197,258 $ 163,000
Carroll, Georgia 82 $ 14,599,000 $ 178,036 $ 98,000
Loudon, Tennessee 82 $ 14,141,000 $ 172,451 $ 74,000
Jackson, Georgia 81 $ 11,352,000 $ 140,148 $ 63,000
Forsyth, Georgia 79 $ 10,115,000 $ 128,037 $ 68,000
Fulton, Georgia 71 $ 12,323,000 $ 173,563 $ 97,000
Jackson, North Carolina 71 $ 12,695,000 $ 178,802 $ 102,000
Mitchell, North Carolina 70 $ 9,595,000 $ 137,071 $ 54,000
Monroe, Tennessee 67 $ 8,053,000 $ 120,194 $ 54,000
Gwinnett, Georgia 64 $ 11,168,000 $ 174,500 $ 119,000
Graham, North Carolina 59 $ 6,544,000 $ 110,915 $ 65,000
Swain, North Carolina 59 $ 7,859,000 $ 133,203 $ 66,000
Roane, Tennessee 57 $ 7,017,000 $ 123,105 $ 72,000
Pickens, Georgia 52 $ 6,379,000 $ 122,673 $ 59,000
Polk, Tennessee 52 $ 4,990,000 $ 95,961 $ 52,000
Banks, Georgia 51 $ 6,858,000 $ 134,470 $ 61,000
Newton, Georgia 48 $ 6,959,000 $ 144,979 $ 56,000
Paulding, Georgia 48 $ 5,526,000 $ 115,125 $ 58,000
Avery, North Carolina 48 $ 5,272,000 $ 109,833 $ 47,000
Coweta, Georgia 46 $ 7,078,000 $ 153,869 $ 86,000
Rockdale, Georgia 46 $ 5,139,000 $ 111,717 $ 49,000
Henry, Georgia 42 $ 7,131,000 $ 169,785 $ 86,000
Fayette, Georgia 39 $ 8,855,000 $ 227,051 $ 142,000
Hamilton, Tennessee 36 $ 7,022,000 $ 195,055 $ 113,000
Henderson, North Carolina 34 $ 6,340,000 $ 186,470 $ 74,000
DeKalb, Georgia 33 $ 6,653,000 $ 201,606 $ 121,000
Blount, Tennessee 29 $ 3,959,000 $ 136,517 $ 82,000
Polk, Georgia 28 $ 3,912,000 $ 139,714 $ 47,000
Buncombe, North Carolina 28 $ 5,923,000 $ 211,535 $ 95,000
McMinn, Tennessee 28 $ 2,385,000 $ 85,178 $ 47,000
Knox, Tennessee 26 $ 4,147,000 $ 159,500 $ 104,000
Gordon, Georgia 25 $ 3,568,000 $ 142,720 $ 65,000
Watauga, North Carolina 25 $ 6,323,000 $ 252,920 $ 147,000
Stephens, Georgia 18 $ 3,069,000 $ 170,500 $ 90,000
Walton, Georgia 18 $ 2,797,000 $ 155,388 $ 68,000
Walker, Georgia 17 $ 2,418,000 $ 142,235 $ 64,000
Cherokee, Alabama 15 $ 1,548,000 $ 103,200 $ 55,000
Franklin, Georgia 15 $ 2,880,000 $ 192,000 $ 66,000
Madison, Georgia 15 $ 1,574,000 $ 104,933 $ 86,000
Ware, Georgia 14 $ 526,000 $ 37,571 $ 39,000
Clayton, Georgia 13 $ 1,000,000 $ 76,923 $ 67,000
Putnam, Georgia 11 $ 4,714,000 $ 428,545 $ 211,000
Barrow, Georgia 10 $ 1,288,000 $ 128,800 $ 181,000
Camden, Georgia 10 $ 1,900,000 $ 190,000 $ 117,000
Clarke, Georgia 10 $ 1,999,000 $ 199,900 $ 165,000
Douglas, Georgia 10 $ 1,272,000 $ 127,200 $ 102,000
Anderson, Tennessee 9 $ 1,898,000 $ 210,888 $ 79,000
Sevier, Tennessee 9 $ 1,142,000 $ 126,888 $ 54,000
Bryan, Georgia 8 $ 1,314,000 $ 164,250 $ 75,000
Madison, North Carolina 8 $ 1,458,000 $ 182,250 $ 62,000
McDowell, North Carolina 8 $ 1,318,000 $ 164,750 $ 71,000
Hart, Georgia 7 $ 861,000 $ 123,000 $ 264,000
Pierce, Georgia 7 $ 312,000 $ 44,571 $ 40,000
Beaufort, South Carolina 7 $ 2,362,000 $ 337,428 $ 94,000
Rhea, Tennessee 7 $ 803,000 $ 114,714 $ 79,000
Bay, Florida 6 $ 1,356,000 $ 226,000 $ 0
Brantley, Georgia 6 $ 799,000 $ 133,166 $ 71,000
Oconee, South Carolina 6 $ 1,184,000 $ 197,333 $ 152,000
Greene, Georgia 5 $ 1,721,000 $ 344,200 $ 50,000
McIntosh, Georgia 5 $ 340,000 $ 68,000 $ 65,000
Oconee, Georgia 5 $ 944,000 $ 188,800 $ 76,000
Whitfield, Georgia 5 $ 860,000 $ 172,000 $ 53,000
Carter, Tennessee 5 $ 831,000 $ 166,200 $ 67,000
Bulloch, Georgia 4 $ 1,550,000 $ 387,500 $ 38,000
Elbert, Georgia 4 $ 594,000 $ 148,500 $ 17,000
Haralson, Georgia 4 $ 481,000 $ 120,250 $ 73,000
Heard, Georgia 4 $ 362,000 $ 90,500 $ 44,000
Spalding, Georgia 4 $ 637,000 $ 159,250 $ 119,000
Cumberland, Tennessee 4 $ 855,000 $ 213,750 $ 84,000
Meigs, Tennessee 4 $ 508,000 $ 127,000 $ 62,000
Lee, Alabama 3 $ 231,000 $ 77,000 $ 451,000
Randolph, Alabama 3 $ 460,000 $ 153,333 $ 81,000
Tallapoosa, Alabama 3 $ 857,000 $ 285,666 $ 215,000
Duval, Florida 3 $ 461,000 $ 153,666 $ 23,000
Pinellas, Florida 3 $ 649,000 $ 216,333 $ 23,000
Butts, Georgia 3 $ 524,000 $ 174,666 $ 144,000
Catoosa, Georgia 3 $ 359,000 $ 119,666 $ 36,000
Dade, Georgia 3 $ 1,105,000 $ 368,333 $ 166,000
Jasper, Georgia 3 $ 622,000 $ 207,333 $ 111,000
Morgan, Georgia 3 $ 2,517,000 $ 839,000 $ 2,000
Murray, Georgia 3 $ 308,000 $ 102,666 $ 47,000
Troup, Georgia 3 $ 254,000 $ 84,666 $ 28,000
Wayne, Georgia 3 $ 336,000 $ 112,000 $ 71,000
Anderson, South Carolina 3 $ 529,000 $ 176,333 $ 134,000
Greenville, South Carolina 3 $ 601,000 $ 200,333 $ 89,000
DeKalb, Alabama 2 $ 258,000 $ 129,000 $ 85,000
Jefferson, Alabama 2 $ 403,000 $ 201,500 $ 270,000
Collier, Florida 2 $ 354,000 $ 177,000 $ 64,000
Okaloosa, Florida 2 $ 811,000 $ 405,500 $ 9,000
Walton, Florida 2 $ 1,221,000 $ 610,500 $ 378,000
Baldwin, Georgia 2 $ 239,000 $ 119,500 $ 188,000
Dougherty, Georgia 2 $ 282,000 $ 141,000 $ 55,000
Effingham, Georgia 2 $ 260,000 $ 130,000 $ 41,000
Meriwether, Georgia 2 $ 245,000 $ 122,500 $ 113,000
Oglethorpe, Georgia 2 $ 92,000 $ 46,000 $ 175,000
Pike, Georgia 2 $ 479,000 $ 239,500 $ 84,000
Burke, North Carolina 2 $ 214,000 $ 107,000 $ 48,000
Caldwell, North Carolina 2 $ 134,000 $ 67,000 $ 31,000
Aiken, South Carolina 2 $ 427,000 $ 213,500 $ 72,000
Lexington, South Carolina 2 $ 387,000 $ 193,500 $ 70,000
Putnam, Tennessee 2 $ 187,000 $ 93,500 $ 29,000
Etowah, Alabama 1 $ 282,000 $ 282,000 $ 59,000
Shelby, Alabama 1 $ 148,000 $ 148,000 $ 51,000
St. Clair, Alabama 1 $ 261,000 $ 261,000 $ 149,000
Talladega, Alabama 1 $ 221,000 $ 221,000 $ 161,000
Charlotte, Florida 1 $ 392,000 $ 392,000 $ 91,000
DeSoto, Florida 1 $ 211,000 $ 211,000 $ 87,000
Flagler, Florida 1 $ 240,000 $ 240,000 $ 0
Hillsborough, Florida 1 $ 116,000 $ 116,000 $ 88,000
Lake, Florida 1 $ 74,000 $ 74,000 $ 24,000
Martin, Florida 1 $ 229,000 $ 229,000 $ 99,000
Orange, Florida 1 $ 77,000 $ 77,000 $ 145,000
St. Johns, Florida 1 $ 969,000 $ 969,000 $ 0
Volusia, Florida 1 $ 47,000 $ 47,000 $ 132,000
Wakulla, Florida 1 $ 485,000 $ 485,000 $ 0
Ben Hill, Georgia 1 $ 81,000 $ 81,000 $ 46,000
Burke, Georgia 1 $ 123,000 $ 123,000 $ 64,000
Coffee, Georgia 1 $ 160,000 $ 160,000 $ 31,000
Columbia, Georgia 1 $ 140,000 $ 140,000 $ 175,000
Harris, Georgia 1 $ 197,000 $ 197,000 $ 110,000
Houston, Georgia 1 $ 53,000 $ 53,000 $ 12,000
Jones, Georgia 1 $ 72,000 $ 72,000 $ 1,500,000
Liberty, Georgia 1 $ 203,000 $ 203,000 $ 44,000
Lincoln, Georgia 1 $ 18,000 $ 18,000 $ 56,000
Monroe, Georgia 1 $ 94,000 $ 94,000 $ 78,000
Richmond, Georgia 1 $ 92,000 $ 92,000 $ 274,000
Taliaferro, Georgia 1 $ 108,000 $ 108,000 $ 58,000
Tift, Georgia 1 $ 87,000 $ 87,000 $ 46,000
St. Helena, Louisiana 1 $ 3,000 $ 3,000 $ 0
Broadwater, Montana 1 $ 1,079,000 $ 1,079,000 $ 0
Caswell, North Carolina 1 $ 130,000 $ 130,000 $ 64,000
Cleveland, North Carolina 1 $ 192,000 $ 192,000 $ 85,000
Iredell, North Carolina 1 $ 180,000 $ 180,000 $ 90,000
Mecklenburg, North Carolina 1 $ 5,000 $ 5,000 $ 90,000
Moore, North Carolina 1 $ 156,000 $ 156,000 $ 55,000
Union, North Carolina 1 $ 750,000 $ 750,000 $ 274,000
Wilkes, North Carolina 1 $ 100,000 $ 100,000 $ 26,000
Charleston, South Carolina 1 $ 240,000 $ 240,000 $ 0
Horry, South Carolina 1 $ 172,000 $ 172,000 $ 62,000
Kershaw, South Carolina 1 $ 154,000 $ 154,000 $ 31,000
Spartanburg, South Carolina 1 $ 208,000 $ 208,000 $ 104,000
Greene, Tennessee 1 $ 1,000 $ 1,000 $ 10,000
Hamblen, Tennessee 1 $ 400,000 $ 400,000 $ 180,000
Humphreys, Tennessee 1 $ 240,000 $ 240,000 $ 85,000
Robertson, Tennessee 1 $ 34,000 $ 34,000 $ 0
Sequatchie, Tennessee 1 $ 194,000 $ 194,000 $ 110,000
Washington, Tennessee 1 $ 114,000 $ 114,000 $ 50,000
Williamson, Tennessee 1 $ 175,000 $ 175,000 $ 85,000

Mortgage Loan Application Detail Totals for United Community Bank in 2010

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 3,948 $695,922,000 $176,000 $10,374,000 $83,000 $4,078,000
Home Purchase 1,907 $263,586,000 $138,000 $2,049,000 $75,000 $1,211,000
Home Improvement 541 $25,786,000 $47,000 $715,000 $66,000 $1,508,000

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 5,361 $755,223,000 $140,000 $2,975,000 $83,000 $4,078,000
Not applicable 420 $135,279,000 $322,000 $10,374,000 $1,000 $540,000
Not Provided 337 $57,389,000 $170,000 $2,896,000 $109,000 $911,000
Hispanic 108 $12,743,000 $117,000 $970,000 $85,000 $1,115,000
Black or African American 96 $12,788,000 $133,000 $714,000 $78,000 $570,000
Asian 53 $8,592,000 $162,000 $500,000 $101,000 $708,000
American Indian or Alaskan Native 16 $2,141,000 $133,000 $412,000 $63,000 $231,000
Native Hawaiian or Other Pacific Islander 5 $1,139,000 $227,000 $315,000 $107,000 $280,000

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) 5,709 $896,935,000 $157,000 $10,374,000 $82,000 $4,078,000
FHA-insured (Federal Housing Administration) 458 $60,693,000 $132,000 $354,000 $54,000 $466,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 210 $25,117,000 $119,000 $265,000 $38,000 $84,000
VA-guaranteed (Veterans Administration) 19 $2,549,000 $134,000 $248,000 $59,000 $245,000

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 4,837 $749,536,000 $154,000 $10,374,000 $82,000 $4,078,000
Application Denied By Financial Institution 764 $102,888,000 $134,000 $1,200,000 $57,000 $960,000
Application Withdrawn By Applicant 747 $124,570,000 $166,000 $1,560,000 $82,000 $1,575,000
Application Approved But Not Accepted 28 $3,529,000 $126,000 $680,000 $74,000 $420,000
Loan Purchased By The Institution 16 $3,894,000 $243,000 $969,000 $0 $0
File Closed For Incompleteness 4 $877,000 $219,000 $550,000 $76,000 $176,000
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 2010 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.

Download the Georgia Lender List