United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
United Community Bank 2011 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 | 5,706 |
| Total Mortgage Loan Application Amount | $814,725,000 |
| Average Mortgage Loan Application Amount | $110,333 |
| Highest Mortgage Loan Application Amount | $4,038,000 |
| Average Applicant Income | $71,666 |
| Highest Applicant Income | $9,497,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Fannin County Georgia | 399 | $ 62,348,000 | $ 156,000 | $ 79,000 |
| Union County Georgia | 394 | $ 59,690,000 | $ 151,000 | $ 65,000 |
| Habersham County Georgia | 291 | $ 33,281,000 | $ 114,000 | $ 56,000 |
| Gilmer County Georgia | 242 | $ 27,570,000 | $ 113,000 | $ 56,000 |
| Towns County Georgia | 227 | $ 36,681,000 | $ 161,000 | $ 81,000 |
| White County Georgia | 215 | $ 22,002,000 | $ 102,000 | $ 65,000 |
| Hall County Georgia | 214 | $ 37,587,000 | $ 175,000 | $ 109,000 |
| Floyd County Georgia | 202 | $ 25,864,000 | $ 128,000 | $ 82,000 |
| Glynn County Georgia | 161 | $ 28,633,000 | $ 177,000 | $ 101,000 |
| Cherokee County North Carolina | 152 | $ 15,154,000 | $ 99,000 | $ 63,000 |
| Chattooga County Georgia | 123 | $ 9,215,000 | $ 74,000 | $ 51,000 |
| Lumpkin County Georgia | 122 | $ 12,687,000 | $ 103,000 | $ 86,000 |
| Bradley County Tennessee | 118 | $ 17,605,000 | $ 149,000 | $ 75,000 |
| Cobb County Georgia | 114 | $ 17,845,000 | $ 156,000 | $ 147,000 |
| Macon County North Carolina | 104 | $ 16,107,000 | $ 154,000 | $ 77,000 |
| Clay County North Carolina | 103 | $ 14,983,000 | $ 145,000 | $ 73,000 |
| Dawson County Georgia | 102 | $ 10,099,000 | $ 99,000 | $ 65,000 |
| Carroll County Georgia | 100 | $ 13,985,000 | $ 139,000 | $ 92,000 |
| Yancey County North Carolina | 100 | $ 15,451,000 | $ 154,000 | $ 85,000 |
| Haywood County North Carolina | 97 | $ 15,856,000 | $ 163,000 | $ 79,000 |
| Transylvania County North Carolina | 95 | $ 16,208,000 | $ 170,000 | $ 79,000 |
| Bartow County Georgia | 84 | $ 9,988,000 | $ 118,000 | $ 64,000 |
| Rabun County Georgia | 83 | $ 8,636,000 | $ 104,000 | $ 61,000 |
| Forsyth County Georgia | 82 | $ 14,641,000 | $ 178,000 | $ 85,000 |
| Jackson County Georgia | 81 | $ 9,207,000 | $ 113,000 | $ 67,000 |
| Pickens County Georgia | 76 | $ 12,605,000 | $ 165,000 | $ 60,000 |
| Chatham County Georgia | 75 | $ 15,449,000 | $ 205,000 | $ 83,000 |
| Mitchell County North Carolina | 73 | $ 9,434,000 | $ 129,000 | $ 62,000 |
| Cherokee County Georgia | 65 | $ 12,385,000 | $ 190,000 | $ 134,000 |
| Loudon County Tennessee | 57 | $ 7,480,000 | $ 131,000 | $ 79,000 |
| Jackson County North Carolina | 56 | $ 12,732,000 | $ 227,000 | $ 93,000 |
| Swain County North Carolina | 55 | $ 7,176,000 | $ 130,000 | $ 84,000 |
| Fulton County Georgia | 53 | $ 13,528,000 | $ 255,000 | $ 105,000 |
| Gwinnett County Georgia | 53 | $ 8,008,000 | $ 151,000 | $ 103,000 |
| Polk County Tennessee | 53 | $ 5,086,000 | $ 95,000 | $ 55,000 |
| Avery County North Carolina | 52 | $ 6,754,000 | $ 129,000 | $ 57,000 |
| Newton County Georgia | 51 | $ 4,611,000 | $ 90,000 | $ 65,000 |
| Banks County Georgia | 50 | $ 5,678,000 | $ 113,000 | $ 252,000 |
| Roane County Tennessee | 49 | $ 5,706,000 | $ 116,000 | $ 64,000 |
| Graham County North Carolina | 45 | $ 5,016,000 | $ 111,000 | $ 54,000 |
| Coweta County Georgia | 40 | $ 5,750,000 | $ 143,000 | $ 71,000 |
| Watauga County North Carolina | 39 | $ 8,015,000 | $ 205,000 | $ 106,000 |
| Fayette County Georgia | 38 | $ 7,383,000 | $ 194,000 | $ 75,000 |
| Monroe County Tennessee | 36 | $ 3,393,000 | $ 94,000 | $ 42,000 |
| DeKalb County Georgia | 34 | $ 7,067,000 | $ 207,000 | $ 134,000 |
| Blount County Tennessee | 29 | $ 5,678,000 | $ 195,000 | $ 122,000 |
| Hamilton County Tennessee | 27 | $ 5,406,000 | $ 200,000 | $ 84,000 |
| Gordon County Georgia | 26 | $ 3,118,000 | $ 119,000 | $ 78,000 |
| Rockdale County Georgia | 26 | $ 4,025,000 | $ 154,000 | $ 74,000 |
| Knox County Tennessee | 26 | $ 6,085,000 | $ 234,000 | $ 132,000 |
| Henderson County North Carolina | 25 | $ 4,388,000 | $ 175,000 | $ 71,000 |
| Henry County Georgia | 24 | $ 3,889,000 | $ 162,000 | $ 79,000 |
| Clayton County Georgia | 21 | $ 1,325,000 | $ 63,000 | $ 68,000 |
| Walker County Georgia | 21 | $ 4,117,000 | $ 196,000 | $ 110,000 |
| Stephens County Georgia | 20 | $ 2,471,000 | $ 123,000 | $ 53,000 |
| Ware County Georgia | 20 | $ 1,399,000 | $ 69,000 | $ 93,000 |
| Paulding County Georgia | 19 | $ 1,723,000 | $ 90,000 | $ 59,000 |
| Polk County Georgia | 18 | $ 2,847,000 | $ 158,000 | $ 57,000 |
| Barrow County Georgia | 17 | $ 1,660,000 | $ 97,000 | $ 56,000 |
| Walton County Georgia | 16 | $ 2,424,000 | $ 151,000 | $ 126,000 |
| Buncombe County North Carolina | 16 | $ 3,489,000 | $ 218,000 | $ 111,000 |
| McMinn County Tennessee | 14 | $ 1,542,000 | $ 110,000 | $ 90,000 |
| Cherokee County Alabama | 12 | $ 1,391,000 | $ 115,000 | $ 80,000 |
| Hart County Georgia | 12 | $ 1,458,000 | $ 121,000 | $ 39,000 |
| Bryan County Georgia | 11 | $ 1,987,000 | $ 180,000 | $ 80,000 |
| Madison County Georgia | 11 | $ 1,068,000 | $ 97,000 | $ 44,000 |
| Brantley County Georgia | 10 | $ 675,000 | $ 67,000 | $ 56,000 |
| Effingham County Georgia | 10 | $ 1,014,000 | $ 101,000 | $ 55,000 |
| Franklin County Georgia | 10 | $ 988,000 | $ 98,000 | $ 87,000 |
| Murray County Georgia | 9 | $ 723,000 | $ 80,000 | $ 71,000 |
| Clarke County Georgia | 8 | $ 1,470,000 | $ 183,000 | $ 54,000 |
| Wayne County Georgia | 8 | $ 848,000 | $ 106,000 | $ 66,000 |
| Pierce County Georgia | 7 | $ 397,000 | $ 56,000 | $ 42,000 |
| Whitfield County Georgia | 7 | $ 350,000 | $ 50,000 | $ 32,000 |
| Douglas County Georgia | 6 | $ 578,000 | $ 96,000 | $ 120,000 |
| Haralson County Georgia | 6 | $ 751,000 | $ 125,000 | $ 82,000 |
| Anderson County Tennessee | 6 | $ 1,223,000 | $ 203,000 | $ 153,000 |
| Sevier County Tennessee | 6 | $ 391,000 | $ 65,000 | $ 41,000 |
| Greene County Georgia | 5 | $ 1,199,000 | $ 239,000 | $ 147,000 |
| Putnam County Georgia | 5 | $ 1,023,000 | $ 204,000 | $ 170,000 |
| Randolph County Alabama | 4 | $ 1,806,000 | $ 451,000 | $ 405,000 |
| Camden County Georgia | 4 | $ 417,000 | $ 104,000 | $ 60,000 |
| Jasper County Georgia | 4 | $ 901,000 | $ 225,000 | $ 79,000 |
| McDowell County North Carolina | 4 | $ 498,000 | $ 124,000 | $ 42,000 |
| Beaufort County South Carolina | 4 | $ 1,168,000 | $ 292,000 | $ 113,000 |
| Carter County Tennessee | 4 | $ 467,000 | $ 116,000 | $ 64,000 |
| Tallapoosa County Alabama | 3 | $ 953,000 | $ 317,000 | $ 34,000 |
| Pinellas County Florida | 3 | $ 1,538,000 | $ 512,000 | $ 82,000 |
| Walton County Florida | 3 | $ 1,005,000 | $ 335,000 | $ 369,000 |
| Butts County Georgia | 3 | $ 366,000 | $ 122,000 | $ 211,000 |
| Catoosa County Georgia | 3 | $ 448,000 | $ 149,000 | $ 61,000 |
| Burke County North Carolina | 3 | $ 145,000 | $ 48,000 | $ 47,000 |
| Caldwell County North Carolina | 3 | $ 625,000 | $ 208,000 | $ 101,000 |
| Mecklenburg County North Carolina | 3 | $ 501,000 | $ 167,000 | $ 57,000 |
| Oconee County South Carolina | 3 | $ 235,000 | $ 78,000 | $ 47,000 |
| Meigs County Tennessee | 3 | $ 489,000 | $ 163,000 | $ 52,000 |
| Bay County Florida | 2 | $ 630,000 | $ 315,000 | $ 43,000 |
| Broward County Florida | 2 | $ 127,000 | $ 63,000 | $ 224,000 |
| Hernando County Florida | 2 | $ 160,000 | $ 80,000 | $ 107,000 |
| Okaloosa County Florida | 2 | $ 934,000 | $ 467,000 | $ 136,000 |
| Bibb County Georgia | 2 | $ 588,000 | $ 294,000 | $ 95,000 |
| Bulloch County Georgia | 2 | $ 1,483,000 | $ 741,000 | $ 98,000 |
| Elbert County Georgia | 2 | $ 160,000 | $ 80,000 | $ 60,000 |
| Houston County Georgia | 2 | $ 72,000 | $ 36,000 | $ 138,000 |
| Lincoln County Georgia | 2 | $ 123,000 | $ 61,000 | $ 212,000 |
| McIntosh County Georgia | 2 | $ 280,000 | $ 140,000 | $ 122,000 |
| Monroe County Georgia | 2 | $ 156,000 | $ 78,000 | $ 50,000 |
| Spalding County Georgia | 2 | $ 198,000 | $ 99,000 | $ 32,000 |
| Troup County Georgia | 2 | $ 192,000 | $ 96,000 | $ 31,000 |
| Madison County North Carolina | 2 | $ 323,000 | $ 161,000 | $ 68,000 |
| Anderson County South Carolina | 2 | $ 183,000 | $ 91,000 | $ 83,000 |
| Rhea County Tennessee | 2 | $ 117,000 | $ 58,000 | $ 46,000 |
| Unicoi County Tennessee | 2 | $ 346,000 | $ 173,000 | $ 58,000 |
| DeKalb County Alabama | 1 | $ 29,000 | $ 29,000 | $ 58,000 |
| Lee County Alabama | 1 | $ 79,000 | $ 79,000 | $ 631,000 |
| Marshall County Alabama | 1 | $ 43,000 | $ 43,000 | $ 65,000 |
| Mobile County Alabama | 1 | $ 520,000 | $ 520,000 | $ 240,000 |
| Shelby County Alabama | 1 | $ 193,000 | $ 193,000 | $ 81,000 |
| St. Clair County Alabama | 1 | $ 129,000 | $ 129,000 | $ 82,000 |
| Charlotte County Florida | 1 | $ 288,000 | $ 288,000 | $ 91,000 |
| Citrus County Florida | 1 | $ 4,000 | $ 4,000 | $ 34,000 |
| Indian River County Florida | 1 | $ 200,000 | $ 200,000 | $ 97,000 |
| Lake County Florida | 1 | $ 154,000 | $ 154,000 | $ 58,000 |
| Lee County Florida | 1 | $ 184,000 | $ 184,000 | $ 89,000 |
| Leon County Florida | 1 | $ 90,000 | $ 90,000 | $ 57,000 |
| Manatee County Florida | 1 | $ 171,000 | $ 171,000 | $ 84,000 |
| Nassau County Florida | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Orange County Florida | 1 | $ 72,000 | $ 72,000 | $ 191,000 |
| Palm Beach County Florida | 1 | $ 336,000 | $ 336,000 | $ 112,000 |
| Sarasota County Florida | 1 | $ 344,000 | $ 344,000 | $ 143,000 |
| St. Johns County Florida | 1 | $ 205,000 | $ 205,000 | $ 147,000 |
| Volusia County Florida | 1 | $ 184,000 | $ 184,000 | $ 179,000 |
| Wakulla County Florida | 1 | $ 485,000 | $ 485,000 | $ 0 |
| Appling County Georgia | 1 | $ 27,000 | $ 27,000 | $ 94,000 |
| Columbia County Georgia | 1 | $ 125,000 | $ 125,000 | $ 76,000 |
| Glascock County Georgia | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Heard County Georgia | 1 | $ 2,000 | $ 2,000 | $ 20,000 |
| Jones County Georgia | 1 | $ 65,000 | $ 65,000 | $ 1,456,000 |
| Lamar County Georgia | 1 | $ 261,000 | $ 261,000 | $ 67,000 |
| Liberty County Georgia | 1 | $ 44,000 | $ 44,000 | $ 25,000 |
| Meriwether County Georgia | 1 | $ 30,000 | $ 30,000 | $ 17,000 |
| Morgan County Georgia | 1 | $ 53,000 | $ 53,000 | $ 0 |
| Oglethorpe County Georgia | 1 | $ 101,000 | $ 101,000 | $ 96,000 |
| Tift County Georgia | 1 | $ 93,000 | $ 93,000 | $ 29,000 |
| Broadwater County Montana | 1 | $ 1,000,000 | $ 1,000,000 | $ 0 |
| Ashe County North Carolina | 1 | $ 139,000 | $ 139,000 | $ 42,000 |
| Catawba County North Carolina | 1 | $ 203,000 | $ 203,000 | $ 157,000 |
| Durham County North Carolina | 1 | $ 101,000 | $ 101,000 | $ 111,000 |
| Guilford County North Carolina | 1 | $ 106,000 | $ 106,000 | $ 95,000 |
| Rutherford County North Carolina | 1 | $ 200,000 | $ 200,000 | $ 245,000 |
| Lycoming County Pennsylvania | 1 | $ 6,000 | $ 6,000 | $ 119,000 |
| Abbeville County South Carolina | 1 | $ 40,000 | $ 40,000 | $ 118,000 |
| Charleston County South Carolina | 1 | $ 241,000 | $ 241,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 140,000 | $ 140,000 | $ 53,000 |
| Horry County South Carolina | 1 | $ 235,000 | $ 235,000 | $ 117,000 |
| Coffee County Tennessee | 1 | $ 168,000 | $ 168,000 | $ 61,000 |
| Cumberland County Tennessee | 1 | $ 57,000 | $ 57,000 | $ 64,000 |
| Hamblen County Tennessee | 1 | $ 197,000 | $ 197,000 | $ 0 |
| Marion County Tennessee | 1 | $ 1,434,000 | $ 1,434,000 | $ 0 |
| Obion County Tennessee | 1 | $ 122,000 | $ 122,000 | $ 48,000 |
| Union County Tennessee | 1 | $ 51,000 | $ 51,000 | $ 39,000 |
| Wilson County Tennessee | 1 | $ 101,000 | $ 101,000 | $ 21,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2011
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 | 3,499 | $578,592,000 | $165,000 | $4,038,000 | $83,000 | $3,565,000 |
| Home Purchase | 1,689 | $215,567,000 | $127,000 | $2,300,000 | $81,000 | $9,497,000 |
| Home Improvement | 518 | $20,566,000 | $39,000 | $417,000 | $51,000 | $338,000 |
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 | 4,712 | $624,395,000 | $132,000 | $3,636,000 | $85,000 | $9,497,000 |
| Not applicable | 350 | $104,698,000 | $299,000 | $4,038,000 | $0 | $0 |
| Not Provided | 341 | $53,210,000 | $156,000 | $896,000 | $106,000 | $1,456,000 |
| Hispanic | 114 | $10,174,000 | $89,000 | $740,000 | $51,000 | $316,000 |
| Black or African American | 88 | $10,053,000 | $114,000 | $609,000 | $82,000 | $875,000 |
| Asian | 65 | $8,808,000 | $135,000 | $1,157,000 | $87,000 | $692,000 |
| American Indian or Alaskan Native | 28 | $2,220,000 | $79,000 | $188,000 | $56,000 | $282,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,167,000 | $145,000 | $393,000 | $58,000 | $147,000 |
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) | 5,125 | $741,947,000 | $144,000 | $4,038,000 | $83,000 | $9,497,000 |
| FHA-insured (Federal Housing Administration) | 270 | $35,364,000 | $130,000 | $324,000 | $55,000 | $237,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 269 | $29,956,000 | $111,000 | $280,000 | $38,000 | $89,000 |
| VA-guaranteed (Veterans Administration) | 42 | $7,458,000 | $177,000 | $417,000 | $67,000 | $214,000 |
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 | 4,318 | $613,656,000 | $142,000 | $4,038,000 | $82,000 | $9,497,000 |
| Application Denied By Financial Institution | 709 | $97,812,000 | $137,000 | $897,000 | $63,000 | $840,000 |
| Application Withdrawn By Applicant | 586 | $91,841,000 | $156,000 | $650,000 | $85,000 | $1,925,000 |
| Application Approved But Not Accepted | 89 | $10,843,000 | $121,000 | $385,000 | $75,000 | $333,000 |
| File Closed For Incompleteness | 4 | $573,000 | $143,000 | $333,000 | $35,000 | $58,000 |
| 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 2011 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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