United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
United Community Bank 2003 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 104 N Macoupin Chatham, IL 62033 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 5,113 |
| Total Mortgage Loan Application Amount | $476,450,000 |
| Average Mortgage Loan Application Amount | $113,526 |
| Highest Mortgage Loan Application Amount | $463,000 |
| Average Applicant Income | $72,105 |
| Highest Applicant Income | $1,486,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 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 2003 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 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Sangamon County Illinois | 2,110 | $ 214,124,000 | $ 101,000 | $ 65,000 |
| Macoupin County Illinois | 513 | $ 36,797,000 | $ 71,000 | $ 71,000 |
| Madison County Illinois | 243 | $ 22,211,000 | $ 91,000 | $ 153,000 |
| Randolph County Illinois | 123 | $ 9,598,000 | $ 78,000 | $ 68,000 |
| Jackson County Illinois | 110 | $ 13,108,000 | $ 119,000 | $ 99,000 |
| Woodford County Illinois | 107 | $ 11,454,000 | $ 107,000 | $ 58,000 |
| Whiteside County Illinois | 102 | $ 8,525,000 | $ 83,000 | $ 123,000 |
| Livingston County Illinois | 101 | $ 8,481,000 | $ 83,000 | $ 53,000 |
| Greene County Illinois | 87 | $ 4,302,000 | $ 49,000 | $ 56,000 |
| Champaign County Illinois | 86 | $ 8,546,000 | $ 99,000 | $ 83,000 |
| Christian County Illinois | 83 | $ 6,056,000 | $ 72,000 | $ 48,000 |
| Henry County Illinois | 81 | $ 5,721,000 | $ 70,000 | $ 52,000 |
| Franklin County Illinois | 80 | $ 6,522,000 | $ 81,000 | $ 65,000 |
| Coles County Illinois | 75 | $ 6,159,000 | $ 82,000 | $ 64,000 |
| Effingham County Illinois | 66 | $ 5,739,000 | $ 86,000 | $ 56,000 |
| Menard County Illinois | 63 | $ 6,593,000 | $ 104,000 | $ 148,000 |
| Williamson County Illinois | 58 | $ 5,285,000 | $ 91,000 | $ 74,000 |
| Putnam County Indiana | 49 | $ 5,370,000 | $ 109,000 | $ 59,000 |
| St. Clair County Illinois | 45 | $ 5,062,000 | $ 112,000 | $ 72,000 |
| Saline County Illinois | 43 | $ 4,036,000 | $ 93,000 | $ 71,000 |
| Douglas County Illinois | 37 | $ 2,551,000 | $ 68,000 | $ 48,000 |
| Ford County Illinois | 35 | $ 2,713,000 | $ 77,000 | $ 40,000 |
| Logan County Illinois | 33 | $ 3,158,000 | $ 95,000 | $ 93,000 |
| Tazewell County Illinois | 33 | $ 3,364,000 | $ 101,000 | $ 64,000 |
| Vanderburgh County Indiana | 31 | $ 2,183,000 | $ 70,000 | $ 63,000 |
| Jersey County Illinois | 30 | $ 3,322,000 | $ 110,000 | $ 46,000 |
| McLean County Illinois | 30 | $ 3,239,000 | $ 107,000 | $ 70,000 |
| Peoria County Illinois | 30 | $ 3,190,000 | $ 106,000 | $ 60,000 |
| Hendricks County Indiana | 27 | $ 3,281,000 | $ 121,000 | $ 54,000 |
| Montgomery County Illinois | 26 | $ 2,820,000 | $ 108,000 | $ 54,000 |
| Owen County Indiana | 25 | $ 2,316,000 | $ 92,000 | $ 75,000 |
| Moultrie County Illinois | 24 | $ 1,838,000 | $ 76,000 | $ 71,000 |
| Clark County Illinois | 23 | $ 1,556,000 | $ 67,000 | $ 43,000 |
| Massac County Illinois | 23 | $ 1,768,000 | $ 76,000 | $ 61,000 |
| Knox County Illinois | 22 | $ 1,705,000 | $ 77,000 | $ 92,000 |
| Daviess County Indiana | 22 | $ 1,877,000 | $ 85,000 | $ 59,000 |
| Morgan County Illinois | 21 | $ 1,781,000 | $ 84,000 | $ 64,000 |
| Bureau County Illinois | 20 | $ 1,986,000 | $ 99,000 | $ 54,000 |
| Carroll County Illinois | 20 | $ 1,517,000 | $ 75,000 | $ 63,000 |
| Fayette County Illinois | 19 | $ 1,643,000 | $ 86,000 | $ 72,000 |
| Richland County Illinois | 17 | $ 1,713,000 | $ 100,000 | $ 61,000 |
| Cass County Illinois | 14 | $ 924,000 | $ 66,000 | $ 56,000 |
| Iroquois County Illinois | 14 | $ 1,045,000 | $ 74,000 | $ 67,000 |
| Clinton County Iowa | 14 | $ 1,894,000 | $ 135,000 | $ 51,000 |
| Perry County Illinois | 13 | $ 902,000 | $ 69,000 | $ 55,000 |
| LaSalle County Illinois | 12 | $ 1,046,000 | $ 87,000 | $ 62,000 |
| Boone County Indiana | 11 | $ 1,319,000 | $ 119,000 | $ 51,000 |
| Rock Island County Illinois | 10 | $ 743,000 | $ 74,000 | $ 42,000 |
| Washington County Illinois | 10 | $ 1,101,000 | $ 110,000 | $ 99,000 |
| Shelby County Illinois | 9 | $ 650,000 | $ 72,000 | $ 38,000 |
| Stark County Illinois | 9 | $ 772,000 | $ 85,000 | $ 55,000 |
| Adams County Illinois | 8 | $ 596,000 | $ 74,000 | $ 70,000 |
| Cumberland County Illinois | 8 | $ 628,000 | $ 78,000 | $ 56,000 |
| Macon County Illinois | 8 | $ 629,000 | $ 78,000 | $ 63,000 |
| Putnam County Illinois | 8 | $ 757,000 | $ 94,000 | $ 66,000 |
| Montgomery County Indiana | 8 | $ 770,000 | $ 96,000 | $ 65,000 |
| Cook County Illinois | 7 | $ 1,640,000 | $ 234,000 | $ 203,000 |
| Jefferson County Illinois | 7 | $ 822,000 | $ 117,000 | $ 124,000 |
| Piatt County Illinois | 7 | $ 593,000 | $ 84,000 | $ 61,000 |
| Lee County Florida | 6 | $ 780,000 | $ 130,000 | $ 66,000 |
| Lee County Illinois | 6 | $ 604,000 | $ 100,000 | $ 52,000 |
| Marion County Illinois | 6 | $ 470,000 | $ 78,000 | $ 69,000 |
| Union County Illinois | 6 | $ 684,000 | $ 114,000 | $ 62,000 |
| Camden County Missouri | 6 | $ 523,000 | $ 87,000 | $ 120,000 |
| Lawrence County Illinois | 5 | $ 563,000 | $ 112,000 | $ 79,000 |
| Marshall County Illinois | 5 | $ 355,000 | $ 71,000 | $ 71,000 |
| Clay County Illinois | 4 | $ 291,000 | $ 72,000 | $ 43,000 |
| De Witt County Illinois | 4 | $ 315,000 | $ 78,000 | $ 57,000 |
| DuPage County Illinois | 4 | $ 572,000 | $ 143,000 | $ 86,000 |
| Marion County Indiana | 4 | $ 495,000 | $ 123,000 | $ 102,000 |
| St. Charles County Missouri | 4 | $ 494,000 | $ 123,000 | $ 101,000 |
| Clinton County Illinois | 3 | $ 280,000 | $ 93,000 | $ 63,000 |
| Crawford County Illinois | 3 | $ 256,000 | $ 85,000 | $ 117,000 |
| Hamilton County Illinois | 3 | $ 232,000 | $ 77,000 | $ 41,000 |
| Jasper County Illinois | 3 | $ 170,000 | $ 56,000 | $ 56,000 |
| Lake County Illinois | 3 | $ 721,000 | $ 240,000 | $ 84,000 |
| Pike County Illinois | 3 | $ 193,000 | $ 64,000 | $ 73,000 |
| Stephenson County Illinois | 3 | $ 280,000 | $ 93,000 | $ 64,000 |
| Vermilion County Illinois | 3 | $ 306,000 | $ 102,000 | $ 96,000 |
| Greene County Indiana | 3 | $ 195,000 | $ 65,000 | $ 48,000 |
| Warrick County Indiana | 3 | $ 272,000 | $ 90,000 | $ 81,000 |
| St. Louis County Missouri | 3 | $ 281,000 | $ 93,000 | $ 58,000 |
| St. Louis City County Missouri | 3 | $ 437,000 | $ 145,000 | $ 72,000 |
| Bond County Illinois | 2 | $ 175,000 | $ 87,000 | $ 92,000 |
| Edgar County Illinois | 2 | $ 71,000 | $ 35,000 | $ 42,000 |
| Gallatin County Illinois | 2 | $ 208,000 | $ 104,000 | $ 76,000 |
| Hardin County Illinois | 2 | $ 233,000 | $ 116,000 | $ 109,000 |
| Johnson County Illinois | 2 | $ 191,000 | $ 95,000 | $ 53,000 |
| Ogle County Illinois | 2 | $ 115,000 | $ 57,000 | $ 87,000 |
| Will County Illinois | 2 | $ 173,000 | $ 86,000 | $ 105,000 |
| Clay County Indiana | 2 | $ 160,000 | $ 80,000 | $ 48,000 |
| Morgan County Indiana | 2 | $ 309,000 | $ 154,000 | $ 90,000 |
| Shawnee County Kansas | 2 | $ 226,000 | $ 113,000 | $ 78,000 |
| Ingham County Michigan | 2 | $ 220,000 | $ 110,000 | $ 54,000 |
| Livingston County Michigan | 2 | $ 242,000 | $ 121,000 | $ 73,000 |
| Knox County Missouri | 2 | $ 139,000 | $ 69,000 | $ 53,000 |
| Lewis County Missouri | 2 | $ 184,000 | $ 92,000 | $ 57,000 |
| Miller County Missouri | 2 | $ 142,000 | $ 71,000 | $ 58,000 |
| Maricopa County Arizona | 1 | $ 126,000 | $ 126,000 | $ 132,000 |
| Pima County Arizona | 1 | $ 57,000 | $ 57,000 | $ 67,000 |
| Osceola County Florida | 1 | $ 160,000 | $ 160,000 | $ 114,000 |
| Walton County Florida | 1 | $ 216,000 | $ 216,000 | $ 145,000 |
| Calhoun County Illinois | 1 | $ 136,000 | $ 136,000 | $ 65,000 |
| Edwards County Illinois | 1 | $ 76,000 | $ 76,000 | $ 50,000 |
| Fulton County Illinois | 1 | $ 72,000 | $ 72,000 | $ 80,000 |
| Jo Daviess County Illinois | 1 | $ 42,000 | $ 42,000 | $ 63,000 |
| Kane County Illinois | 1 | $ 209,000 | $ 209,000 | $ 132,000 |
| Mason County Illinois | 1 | $ 122,000 | $ 122,000 | $ 72,000 |
| McDonough County Illinois | 1 | $ 49,000 | $ 49,000 | $ 43,000 |
| McHenry County Illinois | 1 | $ 161,000 | $ 161,000 | $ 98,000 |
| Mercer County Illinois | 1 | $ 72,000 | $ 72,000 | $ 74,000 |
| Monroe County Illinois | 1 | $ 143,000 | $ 143,000 | $ 96,000 |
| Pope County Illinois | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Schuyler County Illinois | 1 | $ 184,000 | $ 184,000 | $ 62,000 |
| Scott County Illinois | 1 | $ 59,000 | $ 59,000 | $ 81,000 |
| White County Illinois | 1 | $ 75,000 | $ 75,000 | $ 70,000 |
| Carroll County Indiana | 1 | $ 127,000 | $ 127,000 | $ 52,000 |
| Martin County Indiana | 1 | $ 95,000 | $ 95,000 | $ 54,000 |
| Monroe County Indiana | 1 | $ 86,000 | $ 86,000 | $ 61,000 |
| Parke County Indiana | 1 | $ 56,000 | $ 56,000 | $ 36,000 |
| Posey County Indiana | 1 | $ 68,000 | $ 68,000 | $ 19,000 |
| Delaware County Iowa | 1 | $ 86,000 | $ 86,000 | $ 81,000 |
| Dubuque County Iowa | 1 | $ 46,000 | $ 46,000 | $ 19,000 |
| Jones County Iowa | 1 | $ 101,000 | $ 101,000 | $ 102,000 |
| Linn County Iowa | 1 | $ 117,000 | $ 117,000 | $ 114,000 |
| Scott County Iowa | 1 | $ 45,000 | $ 45,000 | $ 45,000 |
| Boone County Kentucky | 1 | $ 209,000 | $ 209,000 | $ 60,000 |
| Calloway County Kentucky | 1 | $ 100,000 | $ 100,000 | $ 91,000 |
| Jackson County Michigan | 1 | $ 142,000 | $ 142,000 | $ 90,000 |
| Hancock County Mississippi | 1 | $ 107,000 | $ 107,000 | $ 84,000 |
| Boone County Missouri | 1 | $ 155,000 | $ 155,000 | $ 65,000 |
| Callaway County Missouri | 1 | $ 52,000 | $ 52,000 | $ 33,000 |
| Marion County Missouri | 1 | $ 85,000 | $ 85,000 | $ 63,000 |
| Morgan County Missouri | 1 | $ 41,000 | $ 41,000 | $ 103,000 |
| Clark County Nevada | 1 | $ 40,000 | $ 40,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 4,313 | $409,209,000 | $95,727 | $387,000 | $72,000 | $766,000 |
| Home Purchase (one-to-four family) | 719 | $64,792,000 | $135,500 | $369,000 | $86,333 | $1,486,000 |
| Home Improvement (one-to-four family) | 79 | $1,915,000 | $24,000 | $150,000 | $60,000 | $234,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 2 | $534,000 | $267,000 | $463,000 | $0 | $0 |
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 | 5,050 | $470,921,000 | $107,000 | $463,000 | $75,454 | $857,000 |
| Asian or Pacific Islander | 22 | $2,138,000 | $97,000 | $209,000 | $108,000 | $400,000 |
| Black | 10 | $761,000 | $76,000 | $135,000 | $79,000 | $158,000 |
| Not applicable | 10 | $606,000 | $60,000 | $126,000 | $370,000 | $1,486,000 |
| Hispanic | 9 | $722,000 | $74,500 | $115,000 | $41,000 | $87,000 |
| Information not provided by applicant in mail or telephone application | 5 | $511,000 | $102,000 | $194,000 | $48,000 | $64,000 |
| American Indian or Alaskan Native | 5 | $522,000 | $104,000 | $137,000 | $75,000 | $120,000 |
| Other | 2 | $269,000 | $134,000 | $156,000 | $283,000 | $477,000 |
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) | 5,087 | $474,430,000 | $107,000 | $463,000 | $76,272 | $1,486,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 26 | $2,020,000 | $71,000 | $142,000 | $34,500 | $64,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 3,028 | $289,980,000 | $100,222 | $463,000 | $73,333 | $1,486,000 |
| Loan Purchased By The Institution | 1,936 | $175,944,000 | $102,375 | $323,000 | $67,750 | $524,000 |
| Application Denied By Financial Institution | 131 | $9,218,000 | $59,500 | $330,000 | $32,500 | $158,000 |
| Application Approved But Not Accepted | 9 | $678,000 | $75,000 | $136,000 | $59,000 | $113,000 |
| Application Withdrawn By Applicant | 8 | $530,000 | $66,000 | $120,000 | $63,000 | $85,000 |
| File Closed For Incompleteness | 1 | $100,000 | $100,000 | $100,000 | $55,000 | $55,000 |
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 |
|---|---|---|---|---|---|---|
| Credit History | 79 | $4,475,000 | $56,000 | $170,000 | $40,000 | $114,000 |
| Debt-To-Income Ratio | 38 | $3,533,000 | $72,000 | $330,000 | $32,000 | $142,000 |
| Collateral | 10 | $925,000 | $92,000 | $216,000 | $65,000 | $158,000 |
| Other | 2 | $150,000 | $75,000 | $92,000 | $57,000 | $67,000 |
| Unverifiable Information | 1 | $75,000 | $75,000 | $75,000 | $28,000 | $28,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $60,000 | $60,000 | $60,000 | $24,000 | $24,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2003 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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with aggregated HMDA statistics today.