United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
United Community Bank 2016 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 | 6,732 |
| Total Mortgage Loan Application Amount | $1,243,199,000 |
| Average Mortgage Loan Application Amount | $150,000 |
| Highest Mortgage Loan Application Amount | $4,410,000 |
| Average Applicant Income | $91,333 |
| Highest Applicant Income | $2,998,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 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 2016 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 2016.
| 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 | 264 | $ 34,848,000 | $ 132,000 | $ 75,000 |
| Henderson County North Carolina | 228 | $ 51,416,000 | $ 225,000 | $ 98,000 |
| Chatham County Georgia | 226 | $ 59,922,000 | $ 265,000 | $ 123,000 |
| Fannin County Georgia | 226 | $ 29,527,000 | $ 130,000 | $ 79,000 |
| Greenville County South Carolina | 215 | $ 44,395,000 | $ 206,000 | $ 112,000 |
| Hall County Georgia | 207 | $ 35,462,000 | $ 171,000 | $ 107,000 |
| White County Georgia | 182 | $ 23,668,000 | $ 130,000 | $ 72,000 |
| Habersham County Georgia | 175 | $ 19,016,000 | $ 108,000 | $ 62,000 |
| Cobb County Georgia | 150 | $ 33,034,000 | $ 220,000 | $ 116,000 |
| Gilmer County Georgia | 147 | $ 21,899,000 | $ 148,000 | $ 89,000 |
| Glynn County Georgia | 140 | $ 27,315,000 | $ 195,000 | $ 108,000 |
| Bradley County Tennessee | 140 | $ 18,613,000 | $ 132,000 | $ 64,000 |
| Spartanburg County South Carolina | 135 | $ 19,927,000 | $ 147,000 | $ 72,000 |
| Floyd County Georgia | 126 | $ 18,613,000 | $ 147,000 | $ 76,000 |
| Lumpkin County Georgia | 123 | $ 15,329,000 | $ 124,000 | $ 70,000 |
| Loudon County Tennessee | 122 | $ 24,769,000 | $ 203,000 | $ 90,000 |
| Transylvania County North Carolina | 121 | $ 25,354,000 | $ 209,000 | $ 100,000 |
| Avery County North Carolina | 119 | $ 21,558,000 | $ 181,000 | $ 90,000 |
| Jackson County Georgia | 118 | $ 23,003,000 | $ 194,000 | $ 97,000 |
| Charleston County South Carolina | 115 | $ 44,272,000 | $ 384,000 | $ 128,000 |
| Yancey County North Carolina | 113 | $ 14,591,000 | $ 129,000 | $ 66,000 |
| Cherokee County Georgia | 107 | $ 26,023,000 | $ 243,000 | $ 108,000 |
| Towns County Georgia | 107 | $ 14,638,000 | $ 136,000 | $ 76,000 |
| Gwinnett County Georgia | 103 | $ 24,806,000 | $ 240,000 | $ 139,000 |
| Mitchell County North Carolina | 101 | $ 13,894,000 | $ 137,000 | $ 62,000 |
| Cherokee County North Carolina | 99 | $ 12,917,000 | $ 130,000 | $ 81,000 |
| Macon County North Carolina | 96 | $ 13,613,000 | $ 141,000 | $ 75,000 |
| Pickens County Georgia | 95 | $ 14,876,000 | $ 156,000 | $ 69,000 |
| Dawson County Georgia | 92 | $ 13,577,000 | $ 147,000 | $ 74,000 |
| Fulton County Georgia | 92 | $ 32,626,000 | $ 354,000 | $ 163,000 |
| Forsyth County Georgia | 84 | $ 19,231,000 | $ 228,000 | $ 115,000 |
| Anderson County South Carolina | 80 | $ 12,637,000 | $ 157,000 | $ 81,000 |
| Knox County Tennessee | 80 | $ 21,489,000 | $ 268,000 | $ 190,000 |
| Bartow County Georgia | 77 | $ 12,589,000 | $ 163,000 | $ 75,000 |
| Chattooga County Georgia | 75 | $ 6,057,000 | $ 80,000 | $ 58,000 |
| Carroll County Georgia | 69 | $ 11,282,000 | $ 163,000 | $ 111,000 |
| Rabun County Georgia | 66 | $ 13,864,000 | $ 210,000 | $ 113,000 |
| Swain County North Carolina | 66 | $ 9,293,000 | $ 140,000 | $ 89,000 |
| Coweta County Georgia | 61 | $ 13,524,000 | $ 221,000 | $ 140,000 |
| Laurens County South Carolina | 59 | $ 5,802,000 | $ 98,000 | $ 76,000 |
| Paulding County Georgia | 58 | $ 10,893,000 | $ 187,000 | $ 91,000 |
| Lexington County South Carolina | 56 | $ 16,105,000 | $ 287,000 | $ 135,000 |
| Jackson County North Carolina | 54 | $ 11,530,000 | $ 213,000 | $ 192,000 |
| Richland County South Carolina | 53 | $ 16,467,000 | $ 310,000 | $ 196,000 |
| DeKalb County Georgia | 51 | $ 14,411,000 | $ 282,000 | $ 160,000 |
| Haywood County North Carolina | 48 | $ 8,691,000 | $ 181,000 | $ 93,000 |
| Graham County North Carolina | 46 | $ 5,053,000 | $ 109,000 | $ 75,000 |
| Polk County Tennessee | 46 | $ 4,031,000 | $ 87,000 | $ 49,000 |
| Hamilton County Tennessee | 45 | $ 10,069,000 | $ 223,000 | $ 143,000 |
| Watauga County North Carolina | 44 | $ 10,970,000 | $ 249,000 | $ 129,000 |
| Pickens County South Carolina | 43 | $ 7,279,000 | $ 169,000 | $ 78,000 |
| Roane County Tennessee | 43 | $ 6,441,000 | $ 149,000 | $ 88,000 |
| Bryan County Georgia | 41 | $ 9,688,000 | $ 236,000 | $ 91,000 |
| Buncombe County North Carolina | 41 | $ 12,013,000 | $ 293,000 | $ 112,000 |
| Blount County Tennessee | 41 | $ 9,316,000 | $ 227,000 | $ 121,000 |
| Clay County North Carolina | 37 | $ 6,151,000 | $ 166,000 | $ 92,000 |
| Henry County Georgia | 36 | $ 7,086,000 | $ 196,000 | $ 124,000 |
| Newton County Georgia | 36 | $ 4,133,000 | $ 114,000 | $ 63,000 |
| Douglas County Georgia | 35 | $ 5,818,000 | $ 166,000 | $ 80,000 |
| Greenwood County South Carolina | 35 | $ 3,934,000 | $ 112,000 | $ 64,000 |
| Monroe County Tennessee | 35 | $ 5,029,000 | $ 143,000 | $ 78,000 |
| Banks County Georgia | 33 | $ 4,412,000 | $ 133,000 | $ 75,000 |
| Walton County Georgia | 33 | $ 5,963,000 | $ 180,000 | $ 88,000 |
| Fayette County Georgia | 32 | $ 8,408,000 | $ 262,000 | $ 148,000 |
| Ware County Georgia | 28 | $ 1,340,000 | $ 47,000 | $ 55,000 |
| Horry County South Carolina | 23 | $ 9,754,000 | $ 424,000 | $ 132,000 |
| Barrow County Georgia | 22 | $ 4,088,000 | $ 185,000 | $ 71,000 |
| Oconee County South Carolina | 22 | $ 6,674,000 | $ 303,000 | $ 163,000 |
| Gordon County Georgia | 21 | $ 2,689,000 | $ 128,000 | $ 76,000 |
| Stephens County Georgia | 19 | $ 2,494,000 | $ 131,000 | $ 64,000 |
| Beaufort County South Carolina | 18 | $ 9,223,000 | $ 512,000 | $ 265,000 |
| Polk County Georgia | 17 | $ 1,826,000 | $ 107,000 | $ 74,000 |
| Rockdale County Georgia | 17 | $ 2,103,000 | $ 123,000 | $ 76,000 |
| Effingham County Georgia | 16 | $ 2,984,000 | $ 186,000 | $ 102,000 |
| Franklin County Georgia | 16 | $ 2,329,000 | $ 145,000 | $ 232,000 |
| McDowell County North Carolina | 15 | $ 2,887,000 | $ 192,000 | $ 58,000 |
| Cherokee County South Carolina | 14 | $ 1,047,000 | $ 74,000 | $ 69,000 |
| Dorchester County South Carolina | 14 | $ 2,169,000 | $ 154,000 | $ 94,000 |
| Madison County Georgia | 12 | $ 2,915,000 | $ 242,000 | $ 76,000 |
| McIntosh County Georgia | 12 | $ 1,546,000 | $ 128,000 | $ 63,000 |
| Clarke County Georgia | 11 | $ 1,912,000 | $ 173,000 | $ 154,000 |
| Berkeley County South Carolina | 11 | $ 3,927,000 | $ 357,000 | $ 233,000 |
| Carter County Tennessee | 10 | $ 1,036,000 | $ 103,000 | $ 34,000 |
| Polk County North Carolina | 9 | $ 1,766,000 | $ 196,000 | $ 127,000 |
| Kershaw County South Carolina | 9 | $ 2,334,000 | $ 259,000 | $ 147,000 |
| McMinn County Tennessee | 9 | $ 1,128,000 | $ 125,000 | $ 58,000 |
| Butts County Georgia | 8 | $ 1,767,000 | $ 220,000 | $ 93,000 |
| Sevier County Tennessee | 8 | $ 1,023,000 | $ 127,000 | $ 77,000 |
| Cherokee County Alabama | 7 | $ 879,000 | $ 125,000 | $ 106,000 |
| Haralson County Georgia | 7 | $ 1,175,000 | $ 167,000 | $ 85,000 |
| Burke County North Carolina | 7 | $ 996,000 | $ 142,000 | $ 51,000 |
| Georgetown County South Carolina | 7 | $ 1,548,000 | $ 221,000 | $ 157,000 |
| Newberry County South Carolina | 7 | $ 2,093,000 | $ 299,000 | $ 125,000 |
| Saluda County South Carolina | 7 | $ 1,535,000 | $ 219,000 | $ 81,000 |
| Camden County Georgia | 6 | $ 1,024,000 | $ 170,000 | $ 86,000 |
| Heard County Georgia | 6 | $ 733,000 | $ 122,000 | $ 39,000 |
| Liberty County Georgia | 6 | $ 1,046,000 | $ 174,000 | $ 79,000 |
| Murray County Georgia | 6 | $ 1,204,000 | $ 200,000 | $ 89,000 |
| Pierce County Georgia | 6 | $ 374,000 | $ 62,000 | $ 69,000 |
| Walker County Georgia | 6 | $ 876,000 | $ 146,000 | $ 73,000 |
| Caldwell County North Carolina | 6 | $ 1,305,000 | $ 217,000 | $ 184,000 |
| Rutherford County North Carolina | 6 | $ 2,293,000 | $ 382,000 | $ 355,000 |
| Davidson County Tennessee | 6 | $ 1,515,000 | $ 252,000 | $ 111,000 |
| Rhea County Tennessee | 6 | $ 891,000 | $ 148,000 | $ 105,000 |
| Elbert County Georgia | 5 | $ 504,000 | $ 100,000 | $ 94,000 |
| Oconee County Georgia | 5 | $ 974,000 | $ 194,000 | $ 415,000 |
| Iredell County North Carolina | 5 | $ 2,119,000 | $ 423,000 | $ 317,000 |
| Aiken County South Carolina | 5 | $ 1,261,000 | $ 252,000 | $ 75,000 |
| Calhoun County South Carolina | 5 | $ 1,058,000 | $ 211,000 | $ 88,000 |
| Fairfield County South Carolina | 5 | $ 1,086,000 | $ 217,000 | $ 132,000 |
| Anderson County Tennessee | 5 | $ 402,000 | $ 80,000 | $ 86,000 |
| Clayton County Georgia | 4 | $ 349,000 | $ 87,000 | $ 64,000 |
| Hancock County Georgia | 4 | $ 648,000 | $ 162,000 | $ 172,000 |
| Jasper County Georgia | 4 | $ 338,000 | $ 84,000 | $ 83,000 |
| Troup County Georgia | 4 | $ 367,000 | $ 91,000 | $ 27,000 |
| Ashe County North Carolina | 4 | $ 1,173,000 | $ 293,000 | $ 119,000 |
| Gaston County North Carolina | 4 | $ 516,000 | $ 129,000 | $ 32,000 |
| Madison County North Carolina | 4 | $ 1,360,000 | $ 340,000 | $ 115,000 |
| Mecklenburg County North Carolina | 4 | $ 1,642,000 | $ 410,000 | $ 401,000 |
| Orangeburg County South Carolina | 4 | $ 871,000 | $ 217,000 | $ 178,000 |
| Sumter County South Carolina | 4 | $ 1,000,000 | $ 250,000 | $ 103,000 |
| Jefferson County Tennessee | 4 | $ 855,000 | $ 213,000 | $ 127,000 |
| Johnson County Tennessee | 4 | $ 1,138,000 | $ 284,000 | $ 202,000 |
| Baldwin County Alabama | 3 | $ 666,000 | $ 222,000 | $ 121,000 |
| Chambers County Alabama | 3 | $ 119,000 | $ 39,000 | $ 0 |
| Randolph County Alabama | 3 | $ 787,000 | $ 262,000 | $ 259,000 |
| Tallapoosa County Alabama | 3 | $ 1,233,000 | $ 411,000 | $ 294,000 |
| Franklin County Florida | 3 | $ 753,000 | $ 251,000 | $ 363,000 |
| Nassau County Florida | 3 | $ 1,145,000 | $ 381,000 | $ 279,000 |
| Orange County Florida | 3 | $ 458,000 | $ 152,000 | $ 78,000 |
| Brantley County Georgia | 3 | $ 237,000 | $ 79,000 | $ 53,000 |
| Bulloch County Georgia | 3 | $ 378,000 | $ 126,000 | $ 64,000 |
| Hart County Georgia | 3 | $ 347,000 | $ 115,000 | $ 122,000 |
| Monroe County Georgia | 3 | $ 291,000 | $ 97,000 | $ 54,000 |
| Morgan County Georgia | 3 | $ 727,000 | $ 242,000 | $ 227,000 |
| Spalding County Georgia | 3 | $ 225,000 | $ 75,000 | $ 82,000 |
| Wayne County Georgia | 3 | $ 347,000 | $ 115,000 | $ 36,000 |
| Whitfield County Georgia | 3 | $ 414,000 | $ 138,000 | $ 66,000 |
| Brunswick County North Carolina | 3 | $ 337,000 | $ 112,000 | $ 138,000 |
| Lincoln County North Carolina | 3 | $ 544,000 | $ 181,000 | $ 240,000 |
| Darlington County South Carolina | 3 | $ 676,000 | $ 225,000 | $ 104,000 |
| Campbell County Tennessee | 3 | $ 714,000 | $ 238,000 | $ 133,000 |
| Cumberland County Tennessee | 3 | $ 914,000 | $ 304,000 | $ 154,000 |
| Greene County Tennessee | 3 | $ 389,000 | $ 129,000 | $ 65,000 |
| Williamson County Tennessee | 3 | $ 1,081,000 | $ 360,000 | $ 109,000 |
| DeKalb County Alabama | 2 | $ 292,000 | $ 146,000 | $ 50,000 |
| Duval County Florida | 2 | $ 490,000 | $ 245,000 | $ 132,000 |
| Okaloosa County Florida | 2 | $ 333,000 | $ 166,000 | $ 412,000 |
| Palm Beach County Florida | 2 | $ 960,000 | $ 480,000 | $ 232,000 |
| Volusia County Florida | 2 | $ 92,000 | $ 46,000 | $ 53,000 |
| Walton County Florida | 2 | $ 791,000 | $ 395,000 | $ 326,000 |
| Bibb County Georgia | 2 | $ 224,000 | $ 112,000 | $ 190,000 |
| Columbia County Georgia | 2 | $ 423,000 | $ 211,000 | $ 59,000 |
| Meriwether County Georgia | 2 | $ 135,000 | $ 67,000 | $ 83,000 |
| Toombs County Georgia | 2 | $ 474,000 | $ 237,000 | $ 790,000 |
| Treutlen County Georgia | 2 | $ 257,000 | $ 128,000 | $ 80,000 |
| Alleghany County North Carolina | 2 | $ 80,000 | $ 40,000 | $ 156,000 |
| Catawba County North Carolina | 2 | $ 324,000 | $ 162,000 | $ 279,000 |
| Wake County North Carolina | 2 | $ 624,000 | $ 312,000 | $ 156,000 |
| Abbeville County South Carolina | 2 | $ 219,000 | $ 109,000 | $ 124,000 |
| Colleton County South Carolina | 2 | $ 464,000 | $ 232,000 | $ 164,000 |
| Cheatham County Tennessee | 2 | $ 336,000 | $ 168,000 | $ 51,000 |
| Fayette County Tennessee | 2 | $ 1,627,000 | $ 813,000 | $ 343,000 |
| Hamblen County Tennessee | 2 | $ 283,000 | $ 141,000 | $ 52,000 |
| Meigs County Tennessee | 2 | $ 600,000 | $ 300,000 | $ 201,000 |
| Shelby County Tennessee | 2 | $ 569,000 | $ 284,000 | $ 124,000 |
| Sullivan County Tennessee | 2 | $ 132,000 | $ 66,000 | $ 66,000 |
| Washington County Tennessee | 2 | $ 232,000 | $ 116,000 | $ 68,000 |
| Clarke County Alabama | 1 | $ 25,000 | $ 25,000 | $ 33,000 |
| Clay County Alabama | 1 | $ 177,000 | $ 177,000 | $ 84,000 |
| Cleburne County Alabama | 1 | $ 76,000 | $ 76,000 | $ 86,000 |
| Coffee County Alabama | 1 | $ 143,000 | $ 143,000 | $ 190,000 |
| Etowah County Alabama | 1 | $ 192,000 | $ 192,000 | $ 116,000 |
| Madison County Alabama | 1 | $ 205,000 | $ 205,000 | $ 128,000 |
| Morgan County Alabama | 1 | $ 990,000 | $ 990,000 | $ 480,000 |
| Walker County Alabama | 1 | $ 540,000 | $ 540,000 | $ 243,000 |
| Bay County Florida | 1 | $ 140,000 | $ 140,000 | $ 41,000 |
| Escambia County Florida | 1 | $ 182,000 | $ 182,000 | $ 448,000 |
| Lake County Florida | 1 | $ 162,000 | $ 162,000 | $ 104,000 |
| Pinellas County Florida | 1 | $ 10,000 | $ 10,000 | $ 48,000 |
| Sarasota County Florida | 1 | $ 203,000 | $ 203,000 | $ 100,000 |
| St. Johns County Florida | 1 | $ 240,000 | $ 240,000 | $ 103,000 |
| Appling County Georgia | 1 | $ 132,000 | $ 132,000 | $ 41,000 |
| Catoosa County Georgia | 1 | $ 110,000 | $ 110,000 | $ 26,000 |
| Cook County Georgia | 1 | $ 42,000 | $ 42,000 | $ 58,000 |
| Glascock County Georgia | 1 | $ 68,000 | $ 68,000 | $ 88,000 |
| Greene County Georgia | 1 | $ 827,000 | $ 827,000 | $ 268,000 |
| Long County Georgia | 1 | $ 163,000 | $ 163,000 | $ 63,000 |
| Richmond County Georgia | 1 | $ 87,000 | $ 87,000 | $ 68,000 |
| Screven County Georgia | 1 | $ 40,000 | $ 40,000 | $ 62,000 |
| Tift County Georgia | 1 | $ 137,000 | $ 137,000 | $ 41,000 |
| Worth County Georgia | 1 | $ 105,000 | $ 105,000 | $ 152,000 |
| Benzie County Michigan | 1 | $ 2,000 | $ 2,000 | $ 82,000 |
| Cleveland County North Carolina | 1 | $ 42,000 | $ 42,000 | $ 40,000 |
| Cumberland County North Carolina | 1 | $ 95,000 | $ 95,000 | $ 26,000 |
| Durham County North Carolina | 1 | $ 266,000 | $ 266,000 | $ 82,000 |
| Moore County North Carolina | 1 | $ 192,000 | $ 192,000 | $ 89,000 |
| New Hanover County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 157,000 |
| Orange County North Carolina | 1 | $ 203,000 | $ 203,000 | $ 80,000 |
| Union County North Carolina | 1 | $ 188,000 | $ 188,000 | $ 47,000 |
| Wilkes County North Carolina | 1 | $ 300,000 | $ 300,000 | $ 455,000 |
| Yadkin County North Carolina | 1 | $ 40,000 | $ 40,000 | $ 53,000 |
| Oklahoma County Oklahoma | 1 | $ 125,000 | $ 125,000 | $ 32,000 |
| Bamberg County South Carolina | 1 | $ 201,000 | $ 201,000 | $ 89,000 |
| Barnwell County South Carolina | 1 | $ 259,000 | $ 259,000 | $ 70,000 |
| Chesterfield County South Carolina | 1 | $ 253,000 | $ 253,000 | $ 63,000 |
| Hampton County South Carolina | 1 | $ 150,000 | $ 150,000 | $ 0 |
| Jasper County South Carolina | 1 | $ 417,000 | $ 417,000 | $ 185,000 |
| Marion County South Carolina | 1 | $ 215,000 | $ 215,000 | $ 129,000 |
| Williamsburg County South Carolina | 1 | $ 175,000 | $ 175,000 | $ 75,000 |
| York County South Carolina | 1 | $ 213,000 | $ 213,000 | $ 0 |
| Fentress County Tennessee | 1 | $ 108,000 | $ 108,000 | $ 87,000 |
| Hawkins County Tennessee | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Lawrence County Tennessee | 1 | $ 67,000 | $ 67,000 | $ 30,000 |
| Morgan County Tennessee | 1 | $ 128,000 | $ 128,000 | $ 99,000 |
| Putnam County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 25,000 |
| White County Tennessee | 1 | $ 40,000 | $ 40,000 | $ 0 |
| Wilson County Tennessee | 1 | $ 212,000 | $ 212,000 | $ 115,000 |
| Albemarle County Virginia | 1 | $ 50,000 | $ 50,000 | $ 35,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2016
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 | 3,688 | $736,393,000 | $199,000 | $1,930,000 | $100,000 | $2,718,000 |
| Refinancing | 2,263 | $472,725,000 | $208,000 | $4,410,000 | $108,000 | $2,998,000 |
| Home Improvement | 781 | $34,081,000 | $43,000 | $1,200,000 | $66,000 | $781,000 |
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 | 5,555 | $1,014,844,000 | $182,000 | $3,989,000 | $100,000 | $2,998,000 |
| Not Provided | 604 | $116,098,000 | $192,000 | $1,300,000 | $118,000 | $1,571,000 |
| Hispanic | 168 | $23,989,000 | $142,000 | $657,000 | $69,000 | $873,000 |
| Not applicable | 155 | $41,675,000 | $268,000 | $4,410,000 | $0 | $0 |
| Black or African American | 149 | $22,159,000 | $148,000 | $685,000 | $103,000 | $2,718,000 |
| Asian | 78 | $20,114,000 | $257,000 | $1,200,000 | $147,000 | $2,690,000 |
| American Indian or Alaskan Native | 17 | $2,341,000 | $137,000 | $371,000 | $62,000 | $231,000 |
| Native Hawaiin or Other Pacific Islander | 6 | $1,979,000 | $329,000 | $1,230,000 | $122,000 | $276,000 |
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) | 5,826 | $1,099,410,000 | $188,000 | $4,410,000 | $105,000 | $2,998,000 |
| FHA-insured (Federal Housing Administration) | 483 | $73,679,000 | $152,000 | $426,000 | $59,000 | $369,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 236 | $31,011,000 | $131,000 | $321,000 | $43,000 | $105,000 |
| VA-guaranteed (Veterans Administration) | 187 | $39,099,000 | $209,000 | $707,000 | $72,000 | $258,000 |
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 | 4,404 | $848,826,000 | $192,000 | $4,410,000 | $106,000 | $2,998,000 |
| Application Denied By Financial Institution | 1,123 | $157,573,000 | $140,000 | $1,860,000 | $67,000 | $956,000 |
| Application Withdrawn By Applicant | 1,045 | $216,295,000 | $206,000 | $2,200,000 | $103,000 | $2,690,000 |
| Application Approved But Not Accepted | 98 | $11,338,000 | $115,000 | $728,000 | $103,000 | $929,000 |
| File Closed For Incompleteness | 62 | $9,167,000 | $147,000 | $900,000 | $97,000 | $453,000 |
| 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 |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 1 | $72,000 | $72,000 | $72,000 | $54,000 | $54,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2016 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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