United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014

United Community Bank 2014 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 4,693
Total Mortgage Loan Application Amount $700,171,000
Average Mortgage Loan Application Amount $120,666
Highest Mortgage Loan Application Amount $6,489,000
Average Applicant Income $83,666
Highest Applicant Income $4,114,000

Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.

Mortgage Loan Application Totals for United Community Bank by County in 2014

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 237 $ 30,777,000 $ 129,000 $ 66,000
Fannin County Georgia 232 $ 31,874,000 $ 137,000 $ 92,000
Gilmer County Georgia 193 $ 22,601,000 $ 117,000 $ 80,000
White County Georgia 181 $ 21,459,000 $ 118,000 $ 62,000
Hall County Georgia 171 $ 28,592,000 $ 167,000 $ 111,000
Habersham County Georgia 169 $ 17,505,000 $ 103,000 $ 56,000
Henderson County North Carolina 133 $ 25,367,000 $ 190,000 $ 98,000
Towns County Georgia 132 $ 16,233,000 $ 122,000 $ 78,000
Floyd County Georgia 129 $ 16,238,000 $ 125,000 $ 78,000
Glynn County Georgia 114 $ 22,755,000 $ 199,000 $ 93,000
Carroll County Georgia 100 $ 16,922,000 $ 169,000 $ 82,000
Cherokee County North Carolina 94 $ 9,280,000 $ 98,000 $ 70,000
Dawson County Georgia 90 $ 10,137,000 $ 112,000 $ 65,000
Jackson County Georgia 90 $ 12,330,000 $ 137,000 $ 69,000
Lumpkin County Georgia 90 $ 9,599,000 $ 106,000 $ 79,000
Chattooga County Georgia 87 $ 6,304,000 $ 72,000 $ 55,000
Chatham County Georgia 86 $ 20,009,000 $ 232,000 $ 127,000
Pickens County Georgia 86 $ 10,265,000 $ 119,000 $ 75,000
Cobb County Georgia 85 $ 14,454,000 $ 170,000 $ 119,000
Avery County North Carolina 84 $ 11,965,000 $ 142,000 $ 78,000
Transylvania County North Carolina 82 $ 14,896,000 $ 181,000 $ 98,000
Fulton County Georgia 79 $ 27,741,000 $ 351,000 $ 194,000
Haywood County North Carolina 79 $ 11,717,000 $ 148,000 $ 87,000
Yancey County North Carolina 78 $ 10,240,000 $ 131,000 $ 97,000
Bartow County Georgia 75 $ 6,962,000 $ 92,000 $ 62,000
Mitchell County North Carolina 73 $ 9,016,000 $ 123,000 $ 61,000
Forsyth County Georgia 71 $ 14,113,000 $ 198,000 $ 132,000
Gwinnett County Georgia 71 $ 11,900,000 $ 167,000 $ 82,000
Rabun County Georgia 70 $ 10,754,000 $ 153,000 $ 144,000
Macon County North Carolina 68 $ 9,287,000 $ 136,000 $ 90,000
Cherokee County Georgia 65 $ 11,049,000 $ 169,000 $ 96,000
Jackson County North Carolina 60 $ 14,633,000 $ 243,000 $ 165,000
Clay County North Carolina 56 $ 6,562,000 $ 117,000 $ 71,000
Bradley County Tennessee 55 $ 7,184,000 $ 130,000 $ 73,000
Banks County Georgia 50 $ 4,950,000 $ 99,000 $ 54,000
Watauga County North Carolina 45 $ 9,899,000 $ 219,000 $ 93,000
Loudon County Tennessee 45 $ 8,359,000 $ 185,000 $ 113,000
Henry County Georgia 44 $ 7,206,000 $ 163,000 $ 90,000
Graham County North Carolina 41 $ 4,444,000 $ 108,000 $ 68,000
Coweta County Georgia 38 $ 5,592,000 $ 147,000 $ 89,000
Newton County Georgia 37 $ 2,923,000 $ 79,000 $ 62,000
Swain County North Carolina 37 $ 4,533,000 $ 122,000 $ 102,000
Fayette County Georgia 35 $ 5,718,000 $ 163,000 $ 128,000
Paulding County Georgia 35 $ 4,254,000 $ 121,000 $ 81,000
Polk County Tennessee 33 $ 2,482,000 $ 75,000 $ 47,000
Buncombe County North Carolina 29 $ 8,793,000 $ 303,000 $ 81,000
Monroe County Tennessee 27 $ 3,694,000 $ 136,000 $ 73,000
DeKalb County Georgia 26 $ 4,467,000 $ 171,000 $ 106,000
Gordon County Georgia 26 $ 2,623,000 $ 100,000 $ 70,000
Rockdale County Georgia 24 $ 2,087,000 $ 86,000 $ 68,000
Blount County Tennessee 24 $ 3,870,000 $ 161,000 $ 116,000
Knox County Tennessee 24 $ 5,943,000 $ 247,000 $ 146,000
Barrow County Georgia 22 $ 2,615,000 $ 118,000 $ 60,000
Clayton County Georgia 22 $ 2,296,000 $ 104,000 $ 65,000
Greenville County South Carolina 21 $ 7,858,000 $ 374,000 $ 175,000
Ware County Georgia 17 $ 737,000 $ 43,000 $ 43,000
Hamilton County Tennessee 17 $ 2,947,000 $ 173,000 $ 87,000
Douglas County Georgia 16 $ 1,775,000 $ 110,000 $ 60,000
Madison County Georgia 15 $ 1,795,000 $ 119,000 $ 60,000
Roane County Tennessee 15 $ 2,048,000 $ 136,000 $ 71,000
Stephens County Georgia 13 $ 1,827,000 $ 140,000 $ 108,000
Franklin County Georgia 11 $ 785,000 $ 71,000 $ 353,000
Oconee County Georgia 11 $ 2,940,000 $ 267,000 $ 109,000
Pierce County Georgia 11 $ 483,000 $ 43,000 $ 54,000
Polk County Georgia 11 $ 1,772,000 $ 161,000 $ 57,000
Walker County Georgia 11 $ 1,678,000 $ 152,000 $ 49,000
Walton County Georgia 11 $ 1,448,000 $ 131,000 $ 85,000
Burke County North Carolina 11 $ 1,691,000 $ 153,000 $ 74,000
McDowell County North Carolina 11 $ 1,541,000 $ 140,000 $ 64,000
Hart County Georgia 10 $ 1,700,000 $ 170,000 $ 88,000
Bryan County Georgia 9 $ 1,573,000 $ 174,000 $ 104,000
Spalding County Georgia 9 $ 1,173,000 $ 130,000 $ 63,000
Haralson County Georgia 8 $ 532,000 $ 66,000 $ 65,000
McMinn County Tennessee 8 $ 1,239,000 $ 154,000 $ 105,000
Cherokee County Alabama 7 $ 799,000 $ 114,000 $ 87,000
Camden County Georgia 7 $ 792,000 $ 113,000 $ 306,000
Effingham County Georgia 7 $ 842,000 $ 120,000 $ 93,000
Carter County Tennessee 7 $ 652,000 $ 93,000 $ 62,000
Clarke County Georgia 6 $ 713,000 $ 118,000 $ 358,000
Emanuel County Georgia 6 $ 531,000 $ 88,000 $ 48,000
Sevier County Tennessee 6 $ 965,000 $ 160,000 $ 91,000
Jefferson County Tennessee 5 $ 1,857,000 $ 371,000 $ 206,000
Columbia County Georgia 4 $ 952,000 $ 238,000 $ 90,000
Meriwether County Georgia 4 $ 2,203,000 $ 550,000 $ 18,000
Mecklenburg County North Carolina 4 $ 774,000 $ 193,000 $ 101,000
Polk County North Carolina 4 $ 788,000 $ 197,000 $ 72,000
Charleston County South Carolina 4 $ 1,399,000 $ 349,000 $ 128,000
Anderson County Tennessee 4 $ 375,000 $ 93,000 $ 167,000
Nassau County Florida 3 $ 1,021,000 $ 340,000 $ 239,000
Butts County Georgia 3 $ 170,000 $ 56,000 $ 39,000
Jasper County Georgia 3 $ 293,000 $ 97,000 $ 32,000
Liberty County Georgia 3 $ 222,000 $ 74,000 $ 88,000
McIntosh County Georgia 3 $ 183,000 $ 61,000 $ 66,000
Morgan County Georgia 3 $ 323,000 $ 107,000 $ 87,000
Whitfield County Georgia 3 $ 326,000 $ 108,000 $ 55,000
Caldwell County North Carolina 3 $ 157,000 $ 52,000 $ 28,000
Madison County North Carolina 3 $ 533,000 $ 177,000 $ 110,000
Rutherford County North Carolina 3 $ 542,000 $ 180,000 $ 110,000
Anderson County South Carolina 3 $ 308,000 $ 102,000 $ 47,000
Richland County South Carolina 3 $ 1,264,000 $ 421,000 $ 150,000
Meigs County Tennessee 3 $ 413,000 $ 137,000 $ 75,000
Morgan County Tennessee 3 $ 226,000 $ 75,000 $ 48,000
Chambers County Alabama 2 $ 77,000 $ 38,000 $ 0
Randolph County Alabama 2 $ 1,369,000 $ 684,000 $ 435,000
Shelby County Alabama 2 $ 323,000 $ 161,000 $ 50,000
Brevard County Florida 2 $ 420,000 $ 210,000 $ 1,520,000
Hillsborough County Florida 2 $ 31,000 $ 15,000 $ 47,000
Jefferson County Florida 2 $ 172,000 $ 86,000 $ 44,000
Pinellas County Florida 2 $ 1,342,000 $ 671,000 $ 293,000
Sarasota County Florida 2 $ 449,000 $ 224,000 $ 107,000
Brantley County Georgia 2 $ 110,000 $ 55,000 $ 84,000
Bulloch County Georgia 2 $ 205,000 $ 102,000 $ 56,000
Elbert County Georgia 2 $ 74,000 $ 37,000 $ 73,000
Houston County Georgia 2 $ 126,000 $ 63,000 $ 109,000
Lincoln County Georgia 2 $ 98,000 $ 49,000 $ 298,000
Murray County Georgia 2 $ 286,000 $ 143,000 $ 97,000
Pike County Georgia 2 $ 247,000 $ 123,000 $ 54,000
Putnam County Georgia 2 $ 758,000 $ 379,000 $ 1,330,000
Treutlen County Georgia 2 $ 255,000 $ 127,000 $ 192,000
Brunswick County North Carolina 2 $ 171,000 $ 85,000 $ 61,000
Davie County North Carolina 2 $ 213,000 $ 106,000 $ 26,000
Iredell County North Carolina 2 $ 545,000 $ 272,000 $ 108,000
Orange County North Carolina 2 $ 595,000 $ 297,000 $ 67,000
Wilkes County North Carolina 2 $ 816,000 $ 408,000 $ 201,000
Colleton County South Carolina 2 $ 157,000 $ 78,000 $ 112,000
Oconee County South Carolina 2 $ 203,000 $ 101,000 $ 47,000
Pickens County South Carolina 2 $ 194,000 $ 97,000 $ 34,000
Spartanburg County South Carolina 2 $ 212,000 $ 106,000 $ 44,000
Calhoun County Alabama 1 $ 33,000 $ 33,000 $ 7,000
Lee County Alabama 1 $ 72,000 $ 72,000 $ 49,000
Mobile County Alabama 1 $ 491,000 $ 491,000 $ 235,000
Montgomery County Alabama 1 $ 10,000 $ 10,000 $ 45,000
Faulkner County Arkansas 1 $ 160,000 $ 160,000 $ 780,000
Bay County Florida 1 $ 104,000 $ 104,000 $ 60,000
Duval County Florida 1 $ 404,000 $ 404,000 $ 190,000
Franklin County Florida 1 $ 438,000 $ 438,000 $ 0
Indian River County Florida 1 $ 288,000 $ 288,000 $ 194,000
Lake County Florida 1 $ 100,000 $ 100,000 $ 144,000
Palm Beach County Florida 1 $ 89,000 $ 89,000 $ 56,000
Volusia County Florida 1 $ 149,000 $ 149,000 $ 41,000
Walton County Florida 1 $ 322,000 $ 322,000 $ 319,000
Bacon County Georgia 1 $ 1,000 $ 1,000 $ 14,000
Candler County Georgia 1 $ 100,000 $ 100,000 $ 58,000
Catoosa County Georgia 1 $ 6,489,000 $ 6,489,000 $ 0
Dade County Georgia 1 $ 75,000 $ 75,000 $ 6,000
Greene County Georgia 1 $ 572,000 $ 572,000 $ 876,000
Heard County Georgia 1 $ 197,000 $ 197,000 $ 93,000
Jefferson County Georgia 1 $ 176,000 $ 176,000 $ 53,000
Lowndes County Georgia 1 $ 174,000 $ 174,000 $ 54,000
Oglethorpe County Georgia 1 $ 88,000 $ 88,000 $ 96,000
Troup County Georgia 1 $ 99,000 $ 99,000 $ 54,000
Wayne County Georgia 1 $ 62,000 $ 62,000 $ 424,000
Wheeler County Georgia 1 $ 17,000 $ 17,000 $ 44,000
Sangamon County Illinois 1 $ 150,000 $ 150,000 $ 720,000
Ripley County Indiana 1 $ 230,000 $ 230,000 $ 96,000
Gallatin County Montana 1 $ 388,000 $ 388,000 $ 120,000
Alamance County North Carolina 1 $ 300,000 $ 300,000 $ 114,000
Cumberland County North Carolina 1 $ 348,000 $ 348,000 $ 223,000
Durham County North Carolina 1 $ 200,000 $ 200,000 $ 59,000
Gaston County North Carolina 1 $ 353,000 $ 353,000 $ 369,000
Moore County North Carolina 1 $ 100,000 $ 100,000 $ 60,000
Rowan County North Carolina 1 $ 132,000 $ 132,000 $ 57,000
Wake County North Carolina 1 $ 80,000 $ 80,000 $ 152,000
Abbeville County South Carolina 1 $ 366,000 $ 366,000 $ 121,000
Beaufort County South Carolina 1 $ 225,000 $ 225,000 $ 163,000
Edgefield County South Carolina 1 $ 190,000 $ 190,000 $ 88,000
Horry County South Carolina 1 $ 138,000 $ 138,000 $ 167,000
Cocke County Tennessee 1 $ 85,000 $ 85,000 $ 67,000
Cumberland County Tennessee 1 $ 155,000 $ 155,000 $ 57,000
Davidson County Tennessee 1 $ 417,000 $ 417,000 $ 205,000
Dickson County Tennessee 1 $ 120,000 $ 120,000 $ 190,000
Lauderdale County Tennessee 1 $ 106,000 $ 106,000 $ 38,000
Lincoln County Tennessee 1 $ 405,000 $ 405,000 $ 434,000
Union County Tennessee 1 $ 164,000 $ 164,000 $ 81,000
Washington County Tennessee 1 $ 268,000 $ 268,000 $ 73,000
King County Washington 1 $ 20,000 $ 20,000 $ 126,000
Fremont County Wyoming 1 $ 440,000 $ 440,000 $ 0

Mortgage Loan Application Detail Totals for United Community Bank in 2014

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
Home Purchase 2,297 $376,581,000 $163,000 $5,250,000 $97,000 $4,114,000
Refinancing 1,854 $304,338,000 $164,000 $6,489,000 $89,000 $3,297,000
Home Improvement 542 $19,252,000 $35,000 $658,000 $65,000 $1,184,000

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 3,948 $557,024,000 $141,000 $3,000,000 $91,000 $3,297,000
Not Provided 316 $53,385,000 $168,000 $2,100,000 $124,000 $2,525,000
Not applicable 172 $58,874,000 $342,000 $6,489,000 $0 $39,000
Hispanic 110 $9,571,000 $87,000 $406,000 $65,000 $636,000
Black or African American 88 $9,165,000 $104,000 $680,000 $76,000 $530,000
Asian 43 $9,807,000 $228,000 $1,125,000 $207,000 $4,114,000
American Indian or Alaskan Native 14 $2,005,000 $143,000 $317,000 $50,000 $135,000
Native Hawaiian or Other Pacific Islander 2 $340,000 $170,000 $185,000 $60,000 $66,000

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) 4,017 $612,283,000 $152,000 $6,489,000 $97,000 $4,114,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 306 $35,481,000 $115,000 $265,000 $42,000 $86,000
FHA-insured (Federal Housing Administration) 263 $33,668,000 $128,000 $326,000 $56,000 $254,000
VA-guaranteed (Veterans Administration) 107 $18,739,000 $175,000 $770,000 $71,000 $350,000

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 3,255 $493,312,000 $151,000 $6,489,000 $92,000 $4,114,000
Application Denied By Financial Institution 804 $105,722,000 $131,000 $5,250,000 $70,000 $1,980,000
Application Withdrawn By Applicant 529 $89,608,000 $169,000 $1,015,000 $110,000 $2,484,000
Application Approved But Not Accepted 101 $11,039,000 $109,000 $700,000 $89,000 $488,000
File Closed For Incompleteness 4 $490,000 $122,000 $200,000 $36,000 $72,000
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 2014 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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