United Community Bank Mortgage Lending & HMDA Data, 2014

In 2014, United Community Bank of Blairsville, GA reported 4,693 mortgage applications totaling $700.2 million, down 31% from 2013. The average application was for $149,194, and applicants reported an average income of $90,143. 69% of its applications resulted in an originated loan and 17% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (1,065), Asheville, NC (244) and Gainesville, GA (171) (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 4,693
Total Mortgage Loan Application Amount $700,171,000
Average Mortgage Loan Application Amount $149,194
Highest Mortgage Loan Application Amount $6,489,000
Average Applicant Income $90,143
Highest Applicant Income $4,114,000

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(HMDA) records United Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 2014

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
Union, Georgia 237 $ 30,777,000 $ 129,860 $ 66,000
Fannin, Georgia 232 $ 31,874,000 $ 137,387 $ 92,000
Gilmer, Georgia 193 $ 22,601,000 $ 117,103 $ 80,000
White, Georgia 181 $ 21,459,000 $ 118,558 $ 62,000
Hall, Georgia 171 $ 28,592,000 $ 167,204 $ 111,000
Habersham, Georgia 169 $ 17,505,000 $ 103,579 $ 56,000
Henderson, North Carolina 133 $ 25,367,000 $ 190,729 $ 98,000
Towns, Georgia 132 $ 16,233,000 $ 122,977 $ 78,000
Floyd, Georgia 129 $ 16,238,000 $ 125,875 $ 78,000
Glynn, Georgia 114 $ 22,755,000 $ 199,605 $ 93,000
Carroll, Georgia 100 $ 16,922,000 $ 169,220 $ 82,000
Cherokee, North Carolina 94 $ 9,280,000 $ 98,723 $ 70,000
Dawson, Georgia 90 $ 10,137,000 $ 112,633 $ 65,000
Jackson, Georgia 90 $ 12,330,000 $ 137,000 $ 69,000
Lumpkin, Georgia 90 $ 9,599,000 $ 106,655 $ 79,000
Chattooga, Georgia 87 $ 6,304,000 $ 72,459 $ 55,000
Chatham, Georgia 86 $ 20,009,000 $ 232,662 $ 127,000
Pickens, Georgia 86 $ 10,265,000 $ 119,360 $ 75,000
Cobb, Georgia 85 $ 14,454,000 $ 170,047 $ 119,000
Avery, North Carolina 84 $ 11,965,000 $ 142,440 $ 78,000
Transylvania, North Carolina 82 $ 14,896,000 $ 181,658 $ 98,000
Fulton, Georgia 79 $ 27,741,000 $ 351,151 $ 194,000
Haywood, North Carolina 79 $ 11,717,000 $ 148,316 $ 87,000
Yancey, North Carolina 78 $ 10,240,000 $ 131,282 $ 97,000
Bartow, Georgia 75 $ 6,962,000 $ 92,826 $ 62,000
Mitchell, North Carolina 73 $ 9,016,000 $ 123,506 $ 61,000
Forsyth, Georgia 71 $ 14,113,000 $ 198,774 $ 132,000
Gwinnett, Georgia 71 $ 11,900,000 $ 167,605 $ 82,000
Rabun, Georgia 70 $ 10,754,000 $ 153,628 $ 144,000
Macon, North Carolina 68 $ 9,287,000 $ 136,573 $ 90,000
Cherokee, Georgia 65 $ 11,049,000 $ 169,984 $ 96,000
Jackson, North Carolina 60 $ 14,633,000 $ 243,883 $ 165,000
Clay, North Carolina 56 $ 6,562,000 $ 117,178 $ 71,000
Bradley, Tennessee 55 $ 7,184,000 $ 130,618 $ 73,000
Banks, Georgia 50 $ 4,950,000 $ 99,000 $ 54,000
Watauga, North Carolina 45 $ 9,899,000 $ 219,977 $ 93,000
Loudon, Tennessee 45 $ 8,359,000 $ 185,755 $ 113,000
Henry, Georgia 44 $ 7,206,000 $ 163,772 $ 90,000
Graham, North Carolina 41 $ 4,444,000 $ 108,390 $ 68,000
Coweta, Georgia 38 $ 5,592,000 $ 147,157 $ 89,000
Newton, Georgia 37 $ 2,923,000 $ 79,000 $ 62,000
Swain, North Carolina 37 $ 4,533,000 $ 122,513 $ 102,000
Fayette, Georgia 35 $ 5,718,000 $ 163,371 $ 128,000
Paulding, Georgia 35 $ 4,254,000 $ 121,542 $ 81,000
Polk, Tennessee 33 $ 2,482,000 $ 75,212 $ 47,000
Buncombe, North Carolina 29 $ 8,793,000 $ 303,206 $ 81,000
Monroe, Tennessee 27 $ 3,694,000 $ 136,814 $ 73,000
DeKalb, Georgia 26 $ 4,467,000 $ 171,807 $ 106,000
Gordon, Georgia 26 $ 2,623,000 $ 100,884 $ 70,000
Rockdale, Georgia 24 $ 2,087,000 $ 86,958 $ 68,000
Blount, Tennessee 24 $ 3,870,000 $ 161,250 $ 116,000
Knox, Tennessee 24 $ 5,943,000 $ 247,625 $ 146,000
Barrow, Georgia 22 $ 2,615,000 $ 118,863 $ 60,000
Clayton, Georgia 22 $ 2,296,000 $ 104,363 $ 65,000
Greenville, South Carolina 21 $ 7,858,000 $ 374,190 $ 175,000
Ware, Georgia 17 $ 737,000 $ 43,352 $ 43,000
Hamilton, Tennessee 17 $ 2,947,000 $ 173,352 $ 87,000
Douglas, Georgia 16 $ 1,775,000 $ 110,937 $ 60,000
Madison, Georgia 15 $ 1,795,000 $ 119,666 $ 60,000
Roane, Tennessee 15 $ 2,048,000 $ 136,533 $ 71,000
Stephens, Georgia 13 $ 1,827,000 $ 140,538 $ 108,000
Franklin, Georgia 11 $ 785,000 $ 71,363 $ 353,000
Oconee, Georgia 11 $ 2,940,000 $ 267,272 $ 109,000
Pierce, Georgia 11 $ 483,000 $ 43,909 $ 54,000
Polk, Georgia 11 $ 1,772,000 $ 161,090 $ 57,000
Walker, Georgia 11 $ 1,678,000 $ 152,545 $ 49,000
Walton, Georgia 11 $ 1,448,000 $ 131,636 $ 85,000
Burke, North Carolina 11 $ 1,691,000 $ 153,727 $ 74,000
McDowell, North Carolina 11 $ 1,541,000 $ 140,090 $ 64,000
Hart, Georgia 10 $ 1,700,000 $ 170,000 $ 88,000
Bryan, Georgia 9 $ 1,573,000 $ 174,777 $ 104,000
Spalding, Georgia 9 $ 1,173,000 $ 130,333 $ 63,000
Haralson, Georgia 8 $ 532,000 $ 66,500 $ 65,000
McMinn, Tennessee 8 $ 1,239,000 $ 154,875 $ 105,000
Cherokee, Alabama 7 $ 799,000 $ 114,142 $ 87,000
Camden, Georgia 7 $ 792,000 $ 113,142 $ 306,000
Effingham, Georgia 7 $ 842,000 $ 120,285 $ 93,000
Carter, Tennessee 7 $ 652,000 $ 93,142 $ 62,000
Clarke, Georgia 6 $ 713,000 $ 118,833 $ 358,000
Emanuel, Georgia 6 $ 531,000 $ 88,500 $ 48,000
Sevier, Tennessee 6 $ 965,000 $ 160,833 $ 91,000
Jefferson, Tennessee 5 $ 1,857,000 $ 371,400 $ 206,000
Columbia, Georgia 4 $ 952,000 $ 238,000 $ 90,000
Meriwether, Georgia 4 $ 2,203,000 $ 550,750 $ 18,000
Mecklenburg, North Carolina 4 $ 774,000 $ 193,500 $ 101,000
Polk, North Carolina 4 $ 788,000 $ 197,000 $ 72,000
Charleston, South Carolina 4 $ 1,399,000 $ 349,750 $ 128,000
Anderson, Tennessee 4 $ 375,000 $ 93,750 $ 167,000
Nassau, Florida 3 $ 1,021,000 $ 340,333 $ 239,000
Butts, Georgia 3 $ 170,000 $ 56,666 $ 39,000
Jasper, Georgia 3 $ 293,000 $ 97,666 $ 32,000
Liberty, Georgia 3 $ 222,000 $ 74,000 $ 88,000
McIntosh, Georgia 3 $ 183,000 $ 61,000 $ 66,000
Morgan, Georgia 3 $ 323,000 $ 107,666 $ 87,000
Whitfield, Georgia 3 $ 326,000 $ 108,666 $ 55,000
Caldwell, North Carolina 3 $ 157,000 $ 52,333 $ 28,000
Madison, North Carolina 3 $ 533,000 $ 177,666 $ 110,000
Rutherford, North Carolina 3 $ 542,000 $ 180,666 $ 110,000
Anderson, South Carolina 3 $ 308,000 $ 102,666 $ 47,000
Richland, South Carolina 3 $ 1,264,000 $ 421,333 $ 150,000
Meigs, Tennessee 3 $ 413,000 $ 137,666 $ 75,000
Morgan, Tennessee 3 $ 226,000 $ 75,333 $ 48,000
Chambers, Alabama 2 $ 77,000 $ 38,500 $ 0
Randolph, Alabama 2 $ 1,369,000 $ 684,500 $ 435,000
Shelby, Alabama 2 $ 323,000 $ 161,500 $ 50,000
Brevard, Florida 2 $ 420,000 $ 210,000 $ 1,520,000
Hillsborough, Florida 2 $ 31,000 $ 15,500 $ 47,000
Jefferson, Florida 2 $ 172,000 $ 86,000 $ 44,000
Pinellas, Florida 2 $ 1,342,000 $ 671,000 $ 293,000
Sarasota, Florida 2 $ 449,000 $ 224,500 $ 107,000
Brantley, Georgia 2 $ 110,000 $ 55,000 $ 84,000
Bulloch, Georgia 2 $ 205,000 $ 102,500 $ 56,000
Elbert, Georgia 2 $ 74,000 $ 37,000 $ 73,000
Houston, Georgia 2 $ 126,000 $ 63,000 $ 109,000
Lincoln, Georgia 2 $ 98,000 $ 49,000 $ 298,000
Murray, Georgia 2 $ 286,000 $ 143,000 $ 97,000
Pike, Georgia 2 $ 247,000 $ 123,500 $ 54,000
Putnam, Georgia 2 $ 758,000 $ 379,000 $ 1,330,000
Treutlen, Georgia 2 $ 255,000 $ 127,500 $ 192,000
Brunswick, North Carolina 2 $ 171,000 $ 85,500 $ 61,000
Davie, North Carolina 2 $ 213,000 $ 106,500 $ 26,000
Iredell, North Carolina 2 $ 545,000 $ 272,500 $ 108,000
Orange, North Carolina 2 $ 595,000 $ 297,500 $ 67,000
Wilkes, North Carolina 2 $ 816,000 $ 408,000 $ 201,000
Colleton, South Carolina 2 $ 157,000 $ 78,500 $ 112,000
Oconee, South Carolina 2 $ 203,000 $ 101,500 $ 47,000
Pickens, South Carolina 2 $ 194,000 $ 97,000 $ 34,000
Spartanburg, South Carolina 2 $ 212,000 $ 106,000 $ 44,000
Calhoun, Alabama 1 $ 33,000 $ 33,000 $ 7,000
Lee, Alabama 1 $ 72,000 $ 72,000 $ 49,000
Mobile, Alabama 1 $ 491,000 $ 491,000 $ 235,000
Montgomery, Alabama 1 $ 10,000 $ 10,000 $ 45,000
Faulkner, Arkansas 1 $ 160,000 $ 160,000 $ 780,000
Bay, Florida 1 $ 104,000 $ 104,000 $ 60,000
Duval, Florida 1 $ 404,000 $ 404,000 $ 190,000
Franklin, Florida 1 $ 438,000 $ 438,000 $ 0
Indian River, Florida 1 $ 288,000 $ 288,000 $ 194,000
Lake, Florida 1 $ 100,000 $ 100,000 $ 144,000
Palm Beach, Florida 1 $ 89,000 $ 89,000 $ 56,000
Volusia, Florida 1 $ 149,000 $ 149,000 $ 41,000
Walton, Florida 1 $ 322,000 $ 322,000 $ 319,000
Bacon, Georgia 1 $ 1,000 $ 1,000 $ 14,000
Candler, Georgia 1 $ 100,000 $ 100,000 $ 58,000
Catoosa, Georgia 1 $ 6,489,000 $ 6,489,000 $ 0
Dade, Georgia 1 $ 75,000 $ 75,000 $ 6,000
Greene, Georgia 1 $ 572,000 $ 572,000 $ 876,000
Heard, Georgia 1 $ 197,000 $ 197,000 $ 93,000
Jefferson, Georgia 1 $ 176,000 $ 176,000 $ 53,000
Lowndes, Georgia 1 $ 174,000 $ 174,000 $ 54,000
Oglethorpe, Georgia 1 $ 88,000 $ 88,000 $ 96,000
Troup, Georgia 1 $ 99,000 $ 99,000 $ 54,000
Wayne, Georgia 1 $ 62,000 $ 62,000 $ 424,000
Wheeler, Georgia 1 $ 17,000 $ 17,000 $ 44,000
Sangamon, Illinois 1 $ 150,000 $ 150,000 $ 720,000
Ripley, Indiana 1 $ 230,000 $ 230,000 $ 96,000
Gallatin, Montana 1 $ 388,000 $ 388,000 $ 120,000
Alamance, North Carolina 1 $ 300,000 $ 300,000 $ 114,000
Cumberland, North Carolina 1 $ 348,000 $ 348,000 $ 223,000
Durham, North Carolina 1 $ 200,000 $ 200,000 $ 59,000
Gaston, North Carolina 1 $ 353,000 $ 353,000 $ 369,000
Moore, North Carolina 1 $ 100,000 $ 100,000 $ 60,000
Rowan, North Carolina 1 $ 132,000 $ 132,000 $ 57,000
Wake, North Carolina 1 $ 80,000 $ 80,000 $ 152,000
Abbeville, South Carolina 1 $ 366,000 $ 366,000 $ 121,000
Beaufort, South Carolina 1 $ 225,000 $ 225,000 $ 163,000
Edgefield, South Carolina 1 $ 190,000 $ 190,000 $ 88,000
Horry, South Carolina 1 $ 138,000 $ 138,000 $ 167,000
Cocke, Tennessee 1 $ 85,000 $ 85,000 $ 67,000
Cumberland, Tennessee 1 $ 155,000 $ 155,000 $ 57,000
Davidson, Tennessee 1 $ 417,000 $ 417,000 $ 205,000
Dickson, Tennessee 1 $ 120,000 $ 120,000 $ 190,000
Lauderdale, Tennessee 1 $ 106,000 $ 106,000 $ 38,000
Lincoln, Tennessee 1 $ 405,000 $ 405,000 $ 434,000
Union, Tennessee 1 $ 164,000 $ 164,000 $ 81,000
Washington, Tennessee 1 $ 268,000 $ 268,000 $ 73,000
King, Washington 1 $ 20,000 $ 20,000 $ 126,000
Fremont, 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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