United Community Bank Mortgage Lending & HMDA Data, 2012

In 2012, United Community Bank of Blairsville, GA reported 6,422 mortgage applications totaling $952.4 million, up 13% from 2011. The average application was for $148,300, and applicants reported an average income of $84,492. 73% of its applications resulted in an originated loan and 14% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (1,316), Brunswick, GA (254) and Gainesville, GA (224) (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 6,422
Total Mortgage Loan Application Amount $952,388,000
Average Mortgage Loan Application Amount $148,300
Highest Mortgage Loan Application Amount $10,060,000
Average Applicant Income $84,492
Highest Applicant Income $3,496,000

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(HMDA) records United Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2012

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Fannin, Georgia 411 $ 56,421,000 $ 137,277 $ 81,000
Union, Georgia 354 $ 46,531,000 $ 131,443 $ 69,000
Gilmer, Georgia 292 $ 35,002,000 $ 119,869 $ 71,000
White, Georgia 254 $ 29,724,000 $ 117,023 $ 61,000
Habersham, Georgia 243 $ 26,633,000 $ 109,600 $ 63,000
Glynn, Georgia 241 $ 55,508,000 $ 230,323 $ 91,000
Towns, Georgia 232 $ 41,102,000 $ 177,163 $ 75,000
Hall, Georgia 224 $ 33,906,000 $ 151,366 $ 111,000
Floyd, Georgia 217 $ 29,027,000 $ 133,764 $ 81,000
Lumpkin, Georgia 158 $ 16,402,000 $ 103,810 $ 71,000
Cobb, Georgia 152 $ 27,549,000 $ 181,243 $ 115,000
Bradley, Tennessee 152 $ 23,326,000 $ 153,460 $ 81,000
Cherokee, North Carolina 140 $ 14,259,000 $ 101,850 $ 62,000
Chattooga, Georgia 135 $ 11,056,000 $ 81,896 $ 60,000
Pickens, Georgia 121 $ 15,418,000 $ 127,421 $ 70,000
Chatham, Georgia 118 $ 24,319,000 $ 206,093 $ 106,000
Cherokee, Georgia 118 $ 21,048,000 $ 178,372 $ 124,000
Haywood, North Carolina 112 $ 17,408,000 $ 155,428 $ 76,000
Bartow, Georgia 107 $ 11,739,000 $ 109,710 $ 70,000
Dawson, Georgia 105 $ 11,688,000 $ 111,314 $ 56,000
Transylvania, North Carolina 105 $ 19,606,000 $ 186,723 $ 120,000
Clay, North Carolina 98 $ 12,392,000 $ 126,448 $ 78,000
Yancey, North Carolina 98 $ 16,125,000 $ 164,540 $ 79,000
Carroll, Georgia 92 $ 13,028,000 $ 141,608 $ 92,000
Forsyth, Georgia 88 $ 16,254,000 $ 184,704 $ 104,000
Jackson, Georgia 88 $ 10,537,000 $ 119,738 $ 71,000
Fulton, Georgia 87 $ 21,436,000 $ 246,390 $ 215,000
Macon, North Carolina 86 $ 19,628,000 $ 228,232 $ 67,000
Mitchell, North Carolina 83 $ 11,511,000 $ 138,686 $ 64,000
Gwinnett, Georgia 70 $ 12,683,000 $ 181,185 $ 101,000
Loudon, Tennessee 64 $ 11,690,000 $ 182,656 $ 76,000
Banks, Georgia 61 $ 6,933,000 $ 113,655 $ 69,000
Avery, North Carolina 60 $ 7,819,000 $ 130,316 $ 77,000
Knox, Tennessee 59 $ 15,265,000 $ 258,728 $ 155,000
Rabun, Georgia 58 $ 8,302,000 $ 143,137 $ 79,000
Henderson, North Carolina 58 $ 9,754,000 $ 168,172 $ 95,000
Swain, North Carolina 55 $ 9,200,000 $ 167,272 $ 104,000
Paulding, Georgia 52 $ 5,094,000 $ 97,961 $ 66,000
Graham, North Carolina 51 $ 6,650,000 $ 130,392 $ 67,000
Jackson, North Carolina 51 $ 11,168,000 $ 218,980 $ 104,000
Emanuel, Georgia 46 $ 5,326,000 $ 115,782 $ 56,000
DeKalb, Georgia 43 $ 6,786,000 $ 157,813 $ 118,000
Newton, Georgia 43 $ 3,840,000 $ 89,302 $ 61,000
Henry, Georgia 41 $ 6,764,000 $ 164,975 $ 131,000
Roane, Tennessee 41 $ 4,303,000 $ 104,951 $ 64,000
Polk, Tennessee 40 $ 4,448,000 $ 111,200 $ 60,000
Monroe, Tennessee 38 $ 3,608,000 $ 94,947 $ 54,000
Fayette, Georgia 37 $ 5,880,000 $ 158,918 $ 80,000
Buncombe, North Carolina 37 $ 7,422,000 $ 200,594 $ 124,000
Blount, Tennessee 37 $ 6,762,000 $ 182,756 $ 141,000
Coweta, Georgia 34 $ 6,416,000 $ 188,705 $ 95,000
Hamilton, Tennessee 34 $ 7,576,000 $ 222,823 $ 168,000
Rockdale, Georgia 33 $ 3,401,000 $ 103,060 $ 75,000
Gordon, Georgia 29 $ 3,837,000 $ 132,310 $ 95,000
Watauga, North Carolina 28 $ 5,944,000 $ 212,285 $ 123,000
Barrow, Georgia 24 $ 2,683,000 $ 111,791 $ 62,000
Stephens, Georgia 24 $ 3,714,000 $ 154,750 $ 92,000
Clayton, Georgia 20 $ 1,586,000 $ 79,300 $ 54,000
Ware, Georgia 20 $ 1,295,000 $ 64,750 $ 65,000
Franklin, Georgia 19 $ 1,883,000 $ 99,105 $ 73,000
Polk, Georgia 18 $ 3,340,000 $ 185,555 $ 51,000
Bryan, Georgia 16 $ 3,871,000 $ 241,937 $ 83,000
Cherokee, Alabama 15 $ 1,796,000 $ 119,733 $ 131,000
Douglas, Georgia 15 $ 1,520,000 $ 101,333 $ 58,000
Walker, Georgia 14 $ 1,679,000 $ 119,928 $ 41,000
Walton, Georgia 13 $ 1,384,000 $ 106,461 $ 70,000
McMinn, Tennessee 12 $ 1,219,000 $ 101,583 $ 60,000
McDowell, North Carolina 11 $ 1,638,000 $ 148,909 $ 75,000
Meigs, Tennessee 11 $ 1,885,000 $ 171,363 $ 91,000
Clarke, Georgia 9 $ 984,000 $ 109,333 $ 105,000
Effingham, Georgia 9 $ 1,229,000 $ 136,555 $ 59,000
Hart, Georgia 9 $ 1,495,000 $ 166,111 $ 96,000
Putnam, Georgia 8 $ 1,181,000 $ 147,625 $ 101,000
Anderson, Tennessee 8 $ 1,608,000 $ 201,000 $ 105,000
Bulloch, Georgia 7 $ 1,133,000 $ 161,857 $ 87,000
Camden, Georgia 7 $ 741,000 $ 105,857 $ 84,000
Haralson, Georgia 7 $ 977,000 $ 139,571 $ 71,000
McIntosh, Georgia 7 $ 1,536,000 $ 219,428 $ 103,000
Murray, Georgia 7 $ 1,017,000 $ 145,285 $ 81,000
Brantley, Georgia 6 $ 405,000 $ 67,500 $ 56,000
Madison, Georgia 6 $ 731,000 $ 121,833 $ 52,000
Pierce, Georgia 6 $ 448,000 $ 74,666 $ 87,000
Wayne, Georgia 6 $ 133,000 $ 22,166 $ 77,000
Whitfield, Georgia 6 $ 342,000 $ 57,000 $ 38,000
Madison, North Carolina 6 $ 1,261,000 $ 210,166 $ 59,000
Jefferson, Tennessee 6 $ 2,018,000 $ 336,333 $ 85,000
Sevier, Tennessee 6 $ 1,809,000 $ 301,500 $ 64,000
Randolph, Alabama 5 $ 1,302,000 $ 260,400 $ 177,000
Butts, Georgia 5 $ 754,000 $ 150,800 $ 91,000
Oglethorpe, Georgia 5 $ 351,000 $ 70,200 $ 79,000
Burke, North Carolina 5 $ 503,000 $ 100,600 $ 49,000
Carter, Tennessee 5 $ 392,000 $ 78,400 $ 104,000
Rhea, Tennessee 5 $ 574,000 $ 114,800 $ 58,000
Greene, Georgia 4 $ 1,403,000 $ 350,750 $ 337,000
Spalding, Georgia 4 $ 619,000 $ 154,750 $ 197,000
Troup, Georgia 4 $ 626,000 $ 156,500 $ 80,000
Lee, Alabama 3 $ 396,000 $ 132,000 $ 246,000
Volusia, Florida 3 $ 682,000 $ 227,333 $ 238,000
Candler, Georgia 3 $ 417,000 $ 139,000 $ 27,000
Jasper, Georgia 3 $ 491,000 $ 163,666 $ 98,000
Polk, North Carolina 3 $ 807,000 $ 269,000 $ 75,000
Anderson, South Carolina 3 $ 477,000 $ 159,000 $ 86,000
Beaufort, South Carolina 3 $ 969,000 $ 323,000 $ 150,000
Warren, Tennessee 3 $ 531,000 $ 177,000 $ 87,000
Washington, Tennessee 3 $ 647,000 $ 215,666 $ 80,000
Tallapoosa, Alabama 2 $ 375,000 $ 187,500 $ 226,000
Bay, Florida 2 $ 337,000 $ 168,500 $ 121,000
Miami-Dade, Florida 2 $ 786,000 $ 393,000 $ 150,000
Nassau, Florida 2 $ 557,000 $ 278,500 $ 316,000
Appling, Georgia 2 $ 328,000 $ 164,000 $ 118,000
Bacon, Georgia 2 $ 21,000 $ 10,500 $ 77,000
Catoosa, Georgia 2 $ 373,000 $ 186,500 $ 56,000
Clinch, Georgia 2 $ 7,000 $ 3,500 $ 37,000
Jones, Georgia 2 $ 208,000 $ 104,000 $ 0
Meriwether, Georgia 2 $ 583,000 $ 291,500 $ 139,000
Morgan, Georgia 2 $ 380,000 $ 190,000 $ 127,000
Oconee, Georgia 2 $ 286,000 $ 143,000 $ 53,000
Richmond, Georgia 2 $ 177,000 $ 88,500 $ 143,000
Caldwell, North Carolina 2 $ 250,000 $ 125,000 $ 98,000
Greenville, South Carolina 2 $ 270,000 $ 135,000 $ 162,000
Morgan, Tennessee 2 $ 114,000 $ 57,000 $ 42,000
Baldwin, Alabama 1 $ 168,000 $ 168,000 $ 169,000
Cleburne, Alabama 1 $ 31,000 $ 31,000 $ 33,000
DeKalb, Alabama 1 $ 132,000 $ 132,000 $ 108,000
Tuscaloosa, Alabama 1 $ 106,000 $ 106,000 $ 622,000
Pima, Arizona 1 $ 3,000 $ 3,000 $ 96,000
Collier, Florida 1 $ 271,000 $ 271,000 $ 0
Duval, Florida 1 $ 110,000 $ 110,000 $ 61,000
Escambia, Florida 1 $ 210,000 $ 210,000 $ 319,000
Flagler, Florida 1 $ 231,000 $ 231,000 $ 556,000
Hillsborough, Florida 1 $ 45,000 $ 45,000 $ 56,000
Lee, Florida 1 $ 320,000 $ 320,000 $ 180,000
Leon, Florida 1 $ 248,000 $ 248,000 $ 106,000
Monroe, Florida 1 $ 858,000 $ 858,000 $ 0
Palm Beach, Florida 1 $ 347,000 $ 347,000 $ 112,000
Pinellas, Florida 1 $ 353,000 $ 353,000 $ 72,000
Sarasota, Florida 1 $ 126,000 $ 126,000 $ 29,000
Wakulla, Florida 1 $ 438,000 $ 438,000 $ 0
Walton, Florida 1 $ 179,000 $ 179,000 $ 0
Columbia, Georgia 1 $ 125,000 $ 125,000 $ 42,000
Crawford, Georgia 1 $ 130,000 $ 130,000 $ 62,000
Dade, Georgia 1 $ 545,000 $ 545,000 $ 362,000
Houston, Georgia 1 $ 107,000 $ 107,000 $ 52,000
Jefferson, Georgia 1 $ 60,000 $ 60,000 $ 40,000
Johnson, Georgia 1 $ 162,000 $ 162,000 $ 69,000
Laurens, Georgia 1 $ 185,000 $ 185,000 $ 53,000
Liberty, Georgia 1 $ 5,000 $ 5,000 $ 36,000
Long, Georgia 1 $ 62,000 $ 62,000 $ 102,000
Lowndes, Georgia 1 $ 101,000 $ 101,000 $ 38,000
Monroe, Georgia 1 $ 270,000 $ 270,000 $ 143,000
Washington, Georgia 1 $ 204,000 $ 204,000 $ 120,000
Wilkes, Georgia 1 $ 50,000 $ 50,000 $ 5,000
Lafayette, Mississippi 1 $ 126,000 $ 126,000 $ 546,000
Gallatin, Montana 1 $ 425,000 $ 425,000 $ 133,000
Beaufort, North Carolina 1 $ 36,000 $ 36,000 $ 21,000
Brunswick, North Carolina 1 $ 324,000 $ 324,000 $ 109,000
Cabarrus, North Carolina 1 $ 40,000 $ 40,000 $ 77,000
Rutherford, North Carolina 1 $ 95,000 $ 95,000 $ 25,000
Aiken, South Carolina 1 $ 550,000 $ 550,000 $ 380,000
Greenwood, South Carolina 1 $ 47,000 $ 47,000 $ 31,000
Horry, South Carolina 1 $ 75,000 $ 75,000 $ 27,000
Jasper, South Carolina 1 $ 200,000 $ 200,000 $ 81,000
Newberry, South Carolina 1 $ 30,000 $ 30,000 $ 78,000
Oconee, South Carolina 1 $ 94,000 $ 94,000 $ 50,000
Spartanburg, South Carolina 1 $ 29,000 $ 29,000 $ 42,000
Coffee, Tennessee 1 $ 100,000 $ 100,000 $ 0
Davidson, Tennessee 1 $ 918,000 $ 918,000 $ 67,000
Fentress, Tennessee 1 $ 210,000 $ 210,000 $ 0
Sullivan, Tennessee 1 $ 94,000 $ 94,000 $ 71,000
Unicoi, Tennessee 1 $ 32,000 $ 32,000 $ 75,000
Union, Tennessee 1 $ 95,000 $ 95,000 $ 57,000
Wilson, Tennessee 1 $ 121,000 $ 121,000 $ 63,000
Teton, Wyoming 1 $ 1,577,000 $ 1,577,000 $ 235,000

Mortgage Loan Application Detail Totals for United Community Bank in 2012

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 3,850 $652,533,000 $169,000 $10,060,000 $89,000 $3,496,000
Home Purchase 2,053 $279,288,000 $136,000 $1,726,000 $84,000 $1,100,000
Home Improvement 519 $20,567,000 $39,000 $494,000 $53,000 $427,000

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 5,347 $757,627,000 $141,000 $3,612,000 $88,000 $3,496,000
Not Provided 404 $62,432,000 $154,000 $1,577,000 $97,000 $720,000
Not applicable 299 $83,766,000 $280,000 $10,060,000 $0 $0
Hispanic 157 $17,473,000 $111,000 $1,134,000 $75,000 $1,240,000
Black or African American 110 $12,048,000 $109,000 $511,000 $61,000 $330,000
Asian 71 $13,256,000 $186,000 $600,000 $147,000 $1,050,000
American Indian or Alaskan Native 21 $3,509,000 $167,000 $1,200,000 $92,000 $442,000
Native Hawaiian or Other Pacific Islander 13 $2,277,000 $175,000 $405,000 $89,000 $291,000

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) 5,670 $858,284,000 $151,000 $10,060,000 $89,000 $3,496,000
FHA-insured (Federal Housing Administration) 396 $52,602,000 $132,000 $350,000 $61,000 $1,050,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 314 $34,637,000 $110,000 $296,000 $39,000 $133,000
VA-guaranteed (Veterans Administration) 42 $6,865,000 $163,000 $344,000 $70,000 $144,000

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 4,713 $706,038,000 $149,000 $10,060,000 $88,000 $3,496,000
Application Denied By Financial Institution 873 $117,221,000 $134,000 $1,200,000 $64,000 $3,072,000
Application Withdrawn By Applicant 634 $104,742,000 $165,000 $920,000 $89,000 $1,817,000
Application Approved But Not Accepted 201 $24,284,000 $120,000 $658,000 $81,000 $685,000
File Closed For Incompleteness 1 $103,000 $103,000 $103,000 $39,000 $39,000
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 2012 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