United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
United Community Bank 2015 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 | 6,279 |
| Total Mortgage Loan Application Amount | $1,080,226,000 |
| Average Mortgage Loan Application Amount | $137,666 |
| Highest Mortgage Loan Application Amount | $27,000,000 |
| Average Applicant Income | $86,333 |
| Highest Applicant Income | $5,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 255 | $ 32,280,000 | $ 126,000 | $ 95,000 |
| Union County Georgia | 247 | $ 31,823,000 | $ 128,000 | $ 76,000 |
| Chatham County Georgia | 236 | $ 61,020,000 | $ 258,000 | $ 107,000 |
| Greenville County South Carolina | 216 | $ 59,793,000 | $ 276,000 | $ 113,000 |
| White County Georgia | 205 | $ 26,350,000 | $ 128,000 | $ 71,000 |
| Hall County Georgia | 192 | $ 31,367,000 | $ 163,000 | $ 93,000 |
| Gilmer County Georgia | 180 | $ 20,097,000 | $ 111,000 | $ 70,000 |
| Habersham County Georgia | 177 | $ 19,877,000 | $ 112,000 | $ 63,000 |
| Henderson County North Carolina | 166 | $ 34,063,000 | $ 205,000 | $ 92,000 |
| Loudon County Tennessee | 140 | $ 21,275,000 | $ 151,000 | $ 65,000 |
| Floyd County Georgia | 138 | $ 17,932,000 | $ 129,000 | $ 79,000 |
| Glynn County Georgia | 137 | $ 28,462,000 | $ 207,000 | $ 107,000 |
| Transylvania County North Carolina | 137 | $ 25,607,000 | $ 186,000 | $ 85,000 |
| Lumpkin County Georgia | 126 | $ 14,195,000 | $ 112,000 | $ 68,000 |
| Spartanburg County South Carolina | 122 | $ 19,896,000 | $ 163,000 | $ 83,000 |
| Towns County Georgia | 116 | $ 19,391,000 | $ 167,000 | $ 81,000 |
| Cherokee County North Carolina | 115 | $ 10,418,000 | $ 90,000 | $ 64,000 |
| Cobb County Georgia | 114 | $ 22,562,000 | $ 197,000 | $ 129,000 |
| Avery County North Carolina | 111 | $ 16,895,000 | $ 152,000 | $ 88,000 |
| Dawson County Georgia | 108 | $ 12,211,000 | $ 113,000 | $ 72,000 |
| Cherokee County Georgia | 106 | $ 18,406,000 | $ 173,000 | $ 123,000 |
| Carroll County Georgia | 103 | $ 15,783,000 | $ 153,000 | $ 111,000 |
| Yancey County North Carolina | 100 | $ 15,697,000 | $ 156,000 | $ 76,000 |
| Mitchell County North Carolina | 97 | $ 13,697,000 | $ 141,000 | $ 72,000 |
| Fulton County Georgia | 94 | $ 57,971,000 | $ 616,000 | $ 202,000 |
| Haywood County North Carolina | 94 | $ 15,239,000 | $ 162,000 | $ 83,000 |
| Gwinnett County Georgia | 93 | $ 20,656,000 | $ 222,000 | $ 120,000 |
| Pickens County Georgia | 92 | $ 11,063,000 | $ 120,000 | $ 63,000 |
| Bradley County Tennessee | 90 | $ 13,205,000 | $ 146,000 | $ 81,000 |
| Jackson County Georgia | 89 | $ 12,181,000 | $ 136,000 | $ 71,000 |
| Forsyth County Georgia | 77 | $ 15,206,000 | $ 197,000 | $ 118,000 |
| Knox County Tennessee | 72 | $ 12,153,000 | $ 168,000 | $ 282,000 |
| Chattooga County Georgia | 71 | $ 5,001,000 | $ 70,000 | $ 55,000 |
| Rabun County Georgia | 67 | $ 12,084,000 | $ 180,000 | $ 125,000 |
| Bartow County Georgia | 64 | $ 7,930,000 | $ 123,000 | $ 90,000 |
| Macon County North Carolina | 62 | $ 9,466,000 | $ 152,000 | $ 75,000 |
| Jackson County North Carolina | 61 | $ 10,809,000 | $ 177,000 | $ 92,000 |
| Clay County North Carolina | 58 | $ 9,430,000 | $ 162,000 | $ 103,000 |
| Anderson County South Carolina | 56 | $ 10,035,000 | $ 179,000 | $ 100,000 |
| Banks County Georgia | 53 | $ 7,008,000 | $ 132,000 | $ 75,000 |
| Watauga County North Carolina | 52 | $ 12,147,000 | $ 233,000 | $ 118,000 |
| Laurens County South Carolina | 52 | $ 5,976,000 | $ 114,000 | $ 71,000 |
| Graham County North Carolina | 51 | $ 6,555,000 | $ 128,000 | $ 83,000 |
| Swain County North Carolina | 48 | $ 7,163,000 | $ 149,000 | $ 106,000 |
| Buncombe County North Carolina | 47 | $ 16,227,000 | $ 345,000 | $ 118,000 |
| Roane County Tennessee | 47 | $ 7,211,000 | $ 153,000 | $ 122,000 |
| Newton County Georgia | 45 | $ 3,156,000 | $ 70,000 | $ 62,000 |
| DeKalb County Georgia | 42 | $ 8,859,000 | $ 210,000 | $ 174,000 |
| Greenwood County South Carolina | 42 | $ 6,056,000 | $ 144,000 | $ 69,000 |
| Monroe County Tennessee | 40 | $ 5,641,000 | $ 141,000 | $ 67,000 |
| Pickens County South Carolina | 36 | $ 6,218,000 | $ 172,000 | $ 111,000 |
| Paulding County Georgia | 35 | $ 5,800,000 | $ 165,000 | $ 74,000 |
| Polk County Tennessee | 34 | $ 2,851,000 | $ 83,000 | $ 47,000 |
| Coweta County Georgia | 33 | $ 6,517,000 | $ 197,000 | $ 112,000 |
| Bryan County Georgia | 31 | $ 7,067,000 | $ 227,000 | $ 101,000 |
| Fayette County Georgia | 31 | $ 6,299,000 | $ 203,000 | $ 126,000 |
| Gordon County Georgia | 29 | $ 3,882,000 | $ 133,000 | $ 83,000 |
| Lexington County South Carolina | 29 | $ 8,990,000 | $ 310,000 | $ 134,000 |
| Blount County Tennessee | 29 | $ 4,958,000 | $ 170,000 | $ 105,000 |
| Henry County Georgia | 28 | $ 3,374,000 | $ 120,000 | $ 124,000 |
| Richland County South Carolina | 28 | $ 7,181,000 | $ 256,000 | $ 192,000 |
| Barrow County Georgia | 23 | $ 3,133,000 | $ 136,000 | $ 73,000 |
| Walton County Georgia | 22 | $ 3,035,000 | $ 137,000 | $ 80,000 |
| Ware County Georgia | 22 | $ 1,269,000 | $ 57,000 | $ 41,000 |
| Douglas County Georgia | 21 | $ 4,299,000 | $ 204,000 | $ 124,000 |
| McMinn County Tennessee | 20 | $ 2,192,000 | $ 109,000 | $ 62,000 |
| Cherokee County South Carolina | 18 | $ 2,580,000 | $ 143,000 | $ 70,000 |
| Oconee County South Carolina | 18 | $ 2,580,000 | $ 143,000 | $ 61,000 |
| Rockdale County Georgia | 16 | $ 1,043,000 | $ 65,000 | $ 68,000 |
| Hamilton County Tennessee | 16 | $ 3,174,000 | $ 198,000 | $ 109,000 |
| Franklin County Georgia | 15 | $ 1,884,000 | $ 125,000 | $ 79,000 |
| Haralson County Georgia | 14 | $ 1,916,000 | $ 136,000 | $ 66,000 |
| Madison County Georgia | 14 | $ 1,474,000 | $ 105,000 | $ 104,000 |
| Walker County Georgia | 14 | $ 2,099,000 | $ 149,000 | $ 87,000 |
| McIntosh County Georgia | 12 | $ 1,805,000 | $ 150,000 | $ 111,000 |
| Abbeville County South Carolina | 12 | $ 1,310,000 | $ 109,000 | $ 70,000 |
| Carter County Tennessee | 12 | $ 1,051,000 | $ 87,000 | $ 37,000 |
| Polk County Georgia | 11 | $ 1,456,000 | $ 132,000 | $ 74,000 |
| Stephens County Georgia | 11 | $ 1,306,000 | $ 118,000 | $ 104,000 |
| McDowell County North Carolina | 10 | $ 1,283,000 | $ 128,000 | $ 96,000 |
| Kershaw County South Carolina | 10 | $ 2,327,000 | $ 232,000 | $ 88,000 |
| Rutherford County North Carolina | 9 | $ 1,462,000 | $ 162,000 | $ 97,000 |
| Charleston County South Carolina | 9 | $ 3,563,000 | $ 395,000 | $ 125,000 |
| Hart County Georgia | 8 | $ 1,148,000 | $ 143,000 | $ 55,000 |
| Pierce County Georgia | 8 | $ 515,000 | $ 64,000 | $ 49,000 |
| Burke County North Carolina | 8 | $ 889,000 | $ 111,000 | $ 81,000 |
| Cherokee County Alabama | 7 | $ 1,163,000 | $ 166,000 | $ 108,000 |
| Clarke County Georgia | 7 | $ 996,000 | $ 142,000 | $ 90,000 |
| Putnam County Georgia | 7 | $ 1,642,000 | $ 234,000 | $ 319,000 |
| Effingham County Georgia | 6 | $ 939,000 | $ 156,000 | $ 79,000 |
| Greene County Georgia | 6 | $ 1,718,000 | $ 286,000 | $ 188,000 |
| Jasper County Georgia | 6 | $ 664,000 | $ 110,000 | $ 57,000 |
| Iredell County North Carolina | 6 | $ 1,445,000 | $ 240,000 | $ 140,000 |
| Madison County North Carolina | 6 | $ 1,406,000 | $ 234,000 | $ 56,000 |
| Beaufort County South Carolina | 6 | $ 4,497,000 | $ 749,000 | $ 387,000 |
| Meigs County Tennessee | 6 | $ 1,038,000 | $ 173,000 | $ 70,000 |
| Sevier County Tennessee | 6 | $ 652,000 | $ 108,000 | $ 104,000 |
| Bulloch County Georgia | 5 | $ 822,000 | $ 164,000 | $ 105,000 |
| Murray County Georgia | 5 | $ 798,000 | $ 159,000 | $ 132,000 |
| Oconee County Georgia | 5 | $ 880,000 | $ 176,000 | $ 57,000 |
| Newberry County South Carolina | 5 | $ 1,265,000 | $ 253,000 | $ 110,000 |
| St. Johns County Florida | 4 | $ 1,271,000 | $ 317,000 | $ 66,000 |
| Catoosa County Georgia | 4 | $ 646,000 | $ 161,000 | $ 46,000 |
| Spalding County Georgia | 4 | $ 400,000 | $ 100,000 | $ 251,000 |
| Polk County North Carolina | 4 | $ 782,000 | $ 195,000 | $ 73,000 |
| Aiken County South Carolina | 4 | $ 819,000 | $ 204,000 | $ 76,000 |
| Horry County South Carolina | 4 | $ 798,000 | $ 199,000 | $ 146,000 |
| Calhoun County Alabama | 3 | $ 216,000 | $ 72,000 | $ 41,000 |
| Randolph County Alabama | 3 | $ 639,000 | $ 213,000 | $ 209,000 |
| Tallapoosa County Alabama | 3 | $ 1,017,000 | $ 339,000 | $ 186,000 |
| Bay County Florida | 3 | $ 515,000 | $ 171,000 | $ 80,000 |
| Brantley County Georgia | 3 | $ 215,000 | $ 71,000 | $ 101,000 |
| Butts County Georgia | 3 | $ 282,000 | $ 94,000 | $ 55,000 |
| Clayton County Georgia | 3 | $ 208,000 | $ 69,000 | $ 161,000 |
| Liberty County Georgia | 3 | $ 359,000 | $ 119,000 | $ 36,000 |
| Monroe County Georgia | 3 | $ 566,000 | $ 188,000 | $ 100,000 |
| Troup County Georgia | 3 | $ 110,000 | $ 36,000 | $ 222,000 |
| Wayne County Georgia | 3 | $ 188,000 | $ 62,000 | $ 50,000 |
| Cook County Illinois | 3 | $ 1,539,000 | $ 513,000 | $ 213,000 |
| Ashe County North Carolina | 3 | $ 821,000 | $ 273,000 | $ 110,000 |
| Mecklenburg County North Carolina | 3 | $ 5,128,000 | $ 1,709,000 | $ 160,000 |
| Edgefield County South Carolina | 3 | $ 190,000 | $ 63,000 | $ 71,000 |
| Fairfield County South Carolina | 3 | $ 578,000 | $ 192,000 | $ 97,000 |
| Georgetown County South Carolina | 3 | $ 2,873,000 | $ 957,000 | $ 1,060,000 |
| Chambers County Alabama | 2 | $ 78,000 | $ 39,000 | $ 0 |
| Lee County Alabama | 2 | $ 329,000 | $ 164,000 | $ 35,000 |
| Mobile County Alabama | 2 | $ 287,000 | $ 143,000 | $ 135,000 |
| Collier County Florida | 2 | $ 816,000 | $ 408,000 | $ 52,000 |
| Duval County Florida | 2 | $ 406,000 | $ 203,000 | $ 39,000 |
| Heard County Georgia | 2 | $ 678,000 | $ 339,000 | $ 61,000 |
| Lowndes County Georgia | 2 | $ 510,000 | $ 255,000 | $ 184,000 |
| Morgan County Georgia | 2 | $ 260,000 | $ 130,000 | $ 27,000 |
| Oglethorpe County Georgia | 2 | $ 95,000 | $ 47,000 | $ 50,000 |
| Whitfield County Georgia | 2 | $ 228,000 | $ 114,000 | $ 70,000 |
| Cleveland County North Carolina | 2 | $ 244,000 | $ 122,000 | $ 47,000 |
| Gaston County North Carolina | 2 | $ 468,000 | $ 234,000 | $ 112,000 |
| Moore County North Carolina | 2 | $ 834,000 | $ 417,000 | $ 658,000 |
| Wake County North Carolina | 2 | $ 890,000 | $ 445,000 | $ 152,000 |
| Stark County Ohio | 2 | $ 28,000 | $ 14,000 | $ 125,000 |
| Calhoun County South Carolina | 2 | $ 285,000 | $ 142,000 | $ 37,000 |
| Darlington County South Carolina | 2 | $ 391,000 | $ 195,000 | $ 74,000 |
| Orangeburg County South Carolina | 2 | $ 518,000 | $ 259,000 | $ 139,000 |
| Saluda County South Carolina | 2 | $ 377,000 | $ 188,000 | $ 53,000 |
| Union County South Carolina | 2 | $ 271,000 | $ 135,000 | $ 57,000 |
| Anderson County Tennessee | 2 | $ 159,000 | $ 79,000 | $ 42,000 |
| Cumberland County Tennessee | 2 | $ 639,000 | $ 319,000 | $ 226,000 |
| Greene County Tennessee | 2 | $ 84,000 | $ 42,000 | $ 46,000 |
| Williamson County Tennessee | 2 | $ 811,000 | $ 405,000 | $ 114,000 |
| Baldwin County Alabama | 1 | $ 352,000 | $ 352,000 | $ 361,000 |
| Los Angeles County California | 1 | $ 672,000 | $ 672,000 | $ 299,000 |
| Marin County California | 1 | $ 693,000 | $ 693,000 | $ 170,000 |
| Orange County California | 1 | $ 779,000 | $ 779,000 | $ 345,000 |
| San Bernardino County California | 1 | $ 453,000 | $ 453,000 | $ 430,000 |
| Santa Barbara County California | 1 | $ 533,000 | $ 533,000 | $ 114,000 |
| Boulder County Colorado | 1 | $ 824,000 | $ 824,000 | $ 444,000 |
| Hartford County Connecticut | 1 | $ 916,000 | $ 916,000 | $ 242,000 |
| Flagler County Florida | 1 | $ 178,000 | $ 178,000 | $ 73,000 |
| Gulf County Florida | 1 | $ 113,000 | $ 113,000 | $ 113,000 |
| Martin County Florida | 1 | $ 120,000 | $ 120,000 | $ 293,000 |
| Okaloosa County Florida | 1 | $ 488,000 | $ 488,000 | $ 164,000 |
| Palm Beach County Florida | 1 | $ 936,000 | $ 936,000 | $ 366,000 |
| Santa Rosa County Florida | 1 | $ 115,000 | $ 115,000 | $ 37,000 |
| St. Lucie County Florida | 1 | $ 164,000 | $ 164,000 | $ 61,000 |
| Bleckley County Georgia | 1 | $ 104,000 | $ 104,000 | $ 75,000 |
| Camden County Georgia | 1 | $ 19,000 | $ 19,000 | $ 31,000 |
| Candler County Georgia | 1 | $ 95,000 | $ 95,000 | $ 87,000 |
| Elbert County Georgia | 1 | $ 131,000 | $ 131,000 | $ 130,000 |
| Emanuel County Georgia | 1 | $ 200,000 | $ 200,000 | $ 66,000 |
| Harris County Georgia | 1 | $ 300,000 | $ 300,000 | $ 65,000 |
| Houston County Georgia | 1 | $ 88,000 | $ 88,000 | $ 84,000 |
| Long County Georgia | 1 | $ 68,000 | $ 68,000 | $ 105,000 |
| Meriwether County Georgia | 1 | $ 74,000 | $ 74,000 | $ 50,000 |
| Montgomery County Georgia | 1 | $ 40,000 | $ 40,000 | $ 105,000 |
| Treutlen County Georgia | 1 | $ 136,000 | $ 136,000 | $ 69,000 |
| DuPage County Illinois | 1 | $ 436,000 | $ 436,000 | $ 119,000 |
| Middlesex County Massachusetts | 1 | $ 532,000 | $ 532,000 | $ 95,000 |
| Norfolk County Massachusetts | 1 | $ 475,000 | $ 475,000 | $ 84,000 |
| Hinds County Mississippi | 1 | $ 9,000 | $ 9,000 | $ 78,000 |
| Beaufort County North Carolina | 1 | $ 230,000 | $ 230,000 | $ 149,000 |
| Cabarrus County North Carolina | 1 | $ 67,000 | $ 67,000 | $ 30,000 |
| Caldwell County North Carolina | 1 | $ 265,000 | $ 265,000 | $ 290,000 |
| Catawba County North Carolina | 1 | $ 56,000 | $ 56,000 | $ 38,000 |
| Craven County North Carolina | 1 | $ 250,000 | $ 250,000 | $ 120,000 |
| Forsyth County North Carolina | 1 | $ 84,000 | $ 84,000 | $ 71,000 |
| Johnston County North Carolina | 1 | $ 210,000 | $ 210,000 | $ 62,000 |
| Lincoln County North Carolina | 1 | $ 126,000 | $ 126,000 | $ 108,000 |
| New Hanover County North Carolina | 1 | $ 65,000 | $ 65,000 | $ 92,000 |
| Orange County North Carolina | 1 | $ 354,000 | $ 354,000 | $ 160,000 |
| Union County North Carolina | 1 | $ 98,000 | $ 98,000 | $ 34,000 |
| Warren County North Carolina | 1 | $ 588,000 | $ 588,000 | $ 701,000 |
| Yadkin County North Carolina | 1 | $ 85,000 | $ 85,000 | $ 61,000 |
| Washington County Oregon | 1 | $ 510,000 | $ 510,000 | $ 247,000 |
| Washington County Pennsylvania | 1 | $ 50,000 | $ 50,000 | $ 0 |
| Berkeley County South Carolina | 1 | $ 273,000 | $ 273,000 | $ 54,000 |
| Chesterfield County South Carolina | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Dillon County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 69,000 |
| Dorchester County South Carolina | 1 | $ 540,000 | $ 540,000 | $ 142,000 |
| Jasper County South Carolina | 1 | $ 152,000 | $ 152,000 | $ 123,000 |
| Sumter County South Carolina | 1 | $ 258,000 | $ 258,000 | $ 92,000 |
| York County South Carolina | 1 | $ 202,000 | $ 202,000 | $ 74,000 |
| Cocke County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 72,000 |
| Fentress County Tennessee | 1 | $ 168,000 | $ 168,000 | $ 120,000 |
| Franklin County Tennessee | 1 | $ 50,000 | $ 50,000 | $ 63,000 |
| Jefferson County Tennessee | 1 | $ 513,000 | $ 513,000 | $ 0 |
| Johnson County Tennessee | 1 | $ 250,000 | $ 250,000 | $ 191,000 |
| Putnam County Tennessee | 1 | $ 129,000 | $ 129,000 | $ 29,000 |
| Scott County Tennessee | 1 | $ 181,000 | $ 181,000 | $ 48,000 |
| Sequatchie County Tennessee | 1 | $ 215,000 | $ 215,000 | $ 73,000 |
| Sumner County Tennessee | 1 | $ 1,890,000 | $ 1,890,000 | $ 480,000 |
| Washington County Tennessee | 1 | $ 270,000 | $ 270,000 | $ 71,000 |
| Wilson County Tennessee | 1 | $ 214,000 | $ 214,000 | $ 112,000 |
| Bexar County Texas | 1 | $ 545,000 | $ 545,000 | $ 320,000 |
| Dallas County Texas | 1 | $ 309,000 | $ 309,000 | $ 2,785,000 |
| Tarrant County Texas | 1 | $ 442,000 | $ 442,000 | $ 190,000 |
| Arlington County Virginia | 1 | $ 783,000 | $ 783,000 | $ 170,000 |
| Carroll County Virginia | 1 | $ 107,000 | $ 107,000 | $ 74,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2015
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 | 3,058 | $594,623,000 | $194,000 | $27,000,000 | $102,000 | $2,785,000 |
| Refinancing | 2,520 | $458,548,000 | $181,000 | $5,590,000 | $98,000 | $5,000,000 |
| Home Improvement | 701 | $27,055,000 | $38,000 | $1,890,000 | $59,000 | $806,000 |
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 | 5,264 | $856,187,000 | $162,000 | $2,000,000 | $98,000 | $5,000,000 |
| Not Provided | 448 | $79,302,000 | $177,000 | $1,751,000 | $125,000 | $1,680,000 |
| Not applicable | 196 | $94,812,000 | $483,000 | $27,000,000 | $0 | $0 |
| Black or African American | 144 | $18,177,000 | $126,000 | $923,000 | $81,000 | $756,000 |
| Hispanic | 133 | $14,317,000 | $107,000 | $630,000 | $65,000 | $365,000 |
| Asian | 74 | $14,692,000 | $198,000 | $579,000 | $92,000 | $589,000 |
| American Indian or Alaskan Native | 18 | $2,377,000 | $132,000 | $340,000 | $124,000 | $1,020,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $362,000 | $181,000 | $212,000 | $137,000 | $202,000 |
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) | 5,510 | $967,297,000 | $175,000 | $27,000,000 | $101,000 | $5,000,000 |
| FHA-insured (Federal Housing Administration) | 381 | $55,305,000 | $145,000 | $412,000 | $59,000 | $333,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 261 | $31,471,000 | $120,000 | $312,000 | $46,000 | $636,000 |
| VA-guaranteed (Veterans Administration) | 127 | $26,153,000 | $205,000 | $771,000 | $74,000 | $314,000 |
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 | 4,244 | $739,510,000 | $174,000 | $27,000,000 | $96,000 | $5,000,000 |
| Application Denied By Financial Institution | 1,098 | $147,799,000 | $134,000 | $2,700,000 | $75,000 | $2,220,000 |
| Application Withdrawn By Applicant | 781 | $164,595,000 | $210,000 | $2,000,000 | $118,000 | $2,785,000 |
| Application Approved But Not Accepted | 105 | $11,667,000 | $111,000 | $506,000 | $89,000 | $688,000 |
| File Closed For Incompleteness | 31 | $4,669,000 | $150,000 | $400,000 | $65,000 | $170,000 |
| Loan Purchased By The Institution | 20 | $11,986,000 | $599,000 | $916,000 | $254,000 | $701,000 |
| 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 2015 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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