United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2004
United Community Bank 2004 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 | 2,289 |
| Total Mortgage Loan Application Amount | $210,806,000 |
| Average Mortgage Loan Application Amount | $137,611 |
| Highest Mortgage Loan Application Amount | $793,000 |
| Average Applicant Income | $125,666 |
| Highest Applicant Income | $1,056,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2004 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 2004 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 2004.
| 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 | 830 | $ 82,518,000 | $ 99,000 | $ 72,000 |
| Macoupin County Illinois | 274 | $ 20,021,000 | $ 73,000 | $ 51,000 |
| Madison County Illinois | 150 | $ 12,915,000 | $ 86,000 | $ 85,000 |
| Woodford County Illinois | 55 | $ 6,391,000 | $ 116,000 | $ 44,000 |
| Randolph County Illinois | 54 | $ 4,299,000 | $ 79,000 | $ 41,000 |
| Greene County Illinois | 52 | $ 2,007,000 | $ 38,000 | $ 40,000 |
| Jackson County Illinois | 52 | $ 7,589,000 | $ 145,000 | $ 125,000 |
| Henry County Illinois | 50 | $ 3,386,000 | $ 67,000 | $ 42,000 |
| Christian County Illinois | 44 | $ 3,259,000 | $ 74,000 | $ 58,000 |
| Livingston County Illinois | 42 | $ 3,373,000 | $ 80,000 | $ 43,000 |
| Champaign County Illinois | 36 | $ 3,656,000 | $ 101,000 | $ 62,000 |
| Williamson County Illinois | 34 | $ 3,696,000 | $ 108,000 | $ 95,000 |
| Effingham County Illinois | 33 | $ 3,459,000 | $ 104,000 | $ 57,000 |
| Whiteside County Illinois | 33 | $ 2,570,000 | $ 77,000 | $ 48,000 |
| Menard County Illinois | 29 | $ 2,673,000 | $ 92,000 | $ 64,000 |
| Morgan County Illinois | 24 | $ 1,597,000 | $ 66,000 | $ 61,000 |
| St. Clair County Illinois | 23 | $ 2,925,000 | $ 127,000 | $ 80,000 |
| Jersey County Illinois | 22 | $ 2,181,000 | $ 99,000 | $ 57,000 |
| Coles County Illinois | 21 | $ 1,612,000 | $ 76,000 | $ 63,000 |
| Douglas County Illinois | 21 | $ 1,664,000 | $ 79,000 | $ 62,000 |
| McLean County Illinois | 20 | $ 2,059,000 | $ 102,000 | $ 71,000 |
| Montgomery County Illinois | 20 | $ 1,107,000 | $ 55,000 | $ 43,000 |
| Peoria County Illinois | 20 | $ 1,962,000 | $ 98,000 | $ 72,000 |
| Putnam County Indiana | 20 | $ 1,885,000 | $ 94,000 | $ 59,000 |
| Franklin County Illinois | 19 | $ 1,991,000 | $ 104,000 | $ 83,000 |
| Saline County Illinois | 17 | $ 1,326,000 | $ 78,000 | $ 55,000 |
| Stark County Illinois | 15 | $ 1,068,000 | $ 71,000 | $ 42,000 |
| Tazewell County Illinois | 15 | $ 1,520,000 | $ 101,000 | $ 61,000 |
| Ford County Illinois | 14 | $ 1,067,000 | $ 76,000 | $ 47,000 |
| Moultrie County Illinois | 11 | $ 932,000 | $ 84,000 | $ 59,000 |
| Logan County Illinois | 10 | $ 966,000 | $ 96,000 | $ 57,000 |
| Carroll County Illinois | 9 | $ 885,000 | $ 98,000 | $ 49,000 |
| Knox County Illinois | 9 | $ 703,000 | $ 78,000 | $ 71,000 |
| Rock Island County Illinois | 9 | $ 717,000 | $ 79,000 | $ 57,000 |
| Massac County Illinois | 8 | $ 746,000 | $ 93,000 | $ 74,000 |
| Perry County Illinois | 8 | $ 683,000 | $ 85,000 | $ 60,000 |
| Boone County Indiana | 8 | $ 1,058,000 | $ 132,000 | $ 56,000 |
| Richland County Illinois | 7 | $ 855,000 | $ 122,000 | $ 67,000 |
| Bureau County Illinois | 6 | $ 356,000 | $ 59,000 | $ 35,000 |
| Union County Illinois | 6 | $ 895,000 | $ 149,000 | $ 132,000 |
| Daviess County Indiana | 6 | $ 647,000 | $ 107,000 | $ 63,000 |
| Hendricks County Indiana | 6 | $ 809,000 | $ 134,000 | $ 76,000 |
| Owen County Indiana | 6 | $ 582,000 | $ 97,000 | $ 46,000 |
| Cass County Illinois | 5 | $ 287,000 | $ 57,000 | $ 57,000 |
| Fayette County Illinois | 5 | $ 624,000 | $ 124,000 | $ 84,000 |
| Macon County Illinois | 5 | $ 448,000 | $ 89,000 | $ 65,000 |
| Marion County Illinois | 5 | $ 338,000 | $ 67,000 | $ 50,000 |
| Washington County Illinois | 5 | $ 715,000 | $ 143,000 | $ 54,000 |
| Dearborn County Indiana | 5 | $ 347,000 | $ 69,000 | $ 38,000 |
| De Witt County Illinois | 4 | $ 194,000 | $ 48,000 | $ 48,000 |
| Jefferson County Illinois | 4 | $ 379,000 | $ 94,000 | $ 67,000 |
| Mercer County Illinois | 4 | $ 393,000 | $ 98,000 | $ 57,000 |
| Stephenson County Illinois | 4 | $ 427,000 | $ 106,000 | $ 85,000 |
| Marion County Indiana | 4 | $ 461,000 | $ 115,000 | $ 66,000 |
| Maricopa County Arizona | 3 | $ 660,000 | $ 220,000 | $ 456,000 |
| Adams County Illinois | 3 | $ 326,000 | $ 108,000 | $ 61,000 |
| Clark County Illinois | 3 | $ 182,000 | $ 60,000 | $ 57,000 |
| Clay County Illinois | 3 | $ 170,000 | $ 56,000 | $ 66,000 |
| Johnson County Illinois | 3 | $ 211,000 | $ 70,000 | $ 61,000 |
| LaSalle County Illinois | 3 | $ 244,000 | $ 81,000 | $ 59,000 |
| Marshall County Illinois | 3 | $ 335,000 | $ 111,000 | $ 59,000 |
| Piatt County Illinois | 3 | $ 243,000 | $ 81,000 | $ 48,000 |
| Pike County Illinois | 3 | $ 128,000 | $ 42,000 | $ 44,000 |
| Vermilion County Illinois | 3 | $ 256,000 | $ 85,000 | $ 29,000 |
| Clay County Indiana | 3 | $ 170,000 | $ 56,000 | $ 20,000 |
| Montgomery County Indiana | 3 | $ 225,000 | $ 75,000 | $ 30,000 |
| Vanderburgh County Indiana | 3 | $ 299,000 | $ 99,000 | $ 60,000 |
| St. Louis County Missouri | 3 | $ 541,000 | $ 180,000 | $ 132,000 |
| Crawford County Illinois | 2 | $ 85,000 | $ 42,000 | $ 32,000 |
| Iroquois County Illinois | 2 | $ 124,000 | $ 62,000 | $ 52,000 |
| Jasper County Illinois | 2 | $ 148,000 | $ 74,000 | $ 32,000 |
| Lawrence County Illinois | 2 | $ 130,000 | $ 65,000 | $ 40,000 |
| Monroe County Illinois | 2 | $ 340,000 | $ 170,000 | $ 94,000 |
| Pulaski County Illinois | 2 | $ 125,000 | $ 62,000 | $ 33,000 |
| Scott County Illinois | 2 | $ 140,000 | $ 70,000 | $ 63,000 |
| Shelby County Illinois | 2 | $ 121,000 | $ 60,000 | $ 66,000 |
| Greene County Indiana | 2 | $ 140,000 | $ 70,000 | $ 53,000 |
| Clinton County Iowa | 2 | $ 111,000 | $ 55,000 | $ 49,000 |
| Camden County Missouri | 2 | $ 165,000 | $ 82,000 | $ 26,000 |
| Lake County Florida | 1 | $ 50,000 | $ 50,000 | $ 236,000 |
| Sarasota County Florida | 1 | $ 160,000 | $ 160,000 | $ 110,000 |
| Brown County Illinois | 1 | $ 63,000 | $ 63,000 | $ 76,000 |
| Calhoun County Illinois | 1 | $ 7,000 | $ 7,000 | $ 80,000 |
| Cook County Illinois | 1 | $ 196,000 | $ 196,000 | $ 100,000 |
| Cumberland County Illinois | 1 | $ 110,000 | $ 110,000 | $ 24,000 |
| DuPage County Illinois | 1 | $ 260,000 | $ 260,000 | $ 124,000 |
| Lake County Illinois | 1 | $ 269,000 | $ 269,000 | $ 134,000 |
| Lee County Illinois | 1 | $ 70,000 | $ 70,000 | $ 62,000 |
| Pope County Illinois | 1 | $ 109,000 | $ 109,000 | $ 90,000 |
| Putnam County Illinois | 1 | $ 120,000 | $ 120,000 | $ 51,000 |
| Warren County Illinois | 1 | $ 48,000 | $ 48,000 | $ 45,000 |
| Will County Illinois | 1 | $ 237,000 | $ 237,000 | $ 115,000 |
| Benton County Indiana | 1 | $ 135,000 | $ 135,000 | $ 78,000 |
| Parke County Indiana | 1 | $ 67,000 | $ 67,000 | $ 46,000 |
| Posey County Indiana | 1 | $ 170,000 | $ 170,000 | $ 98,000 |
| Tippecanoe County Indiana | 1 | $ 114,000 | $ 114,000 | $ 111,000 |
| Warrick County Indiana | 1 | $ 133,000 | $ 133,000 | $ 100,000 |
| McCracken County Kentucky | 1 | $ 88,000 | $ 88,000 | $ 25,000 |
| Leelanau County Michigan | 1 | $ 595,000 | $ 595,000 | $ 338,000 |
| Lafayette County Missouri | 1 | $ 112,000 | $ 112,000 | $ 56,000 |
| Lewis County Missouri | 1 | $ 85,000 | $ 85,000 | $ 36,000 |
| Miller County Missouri | 1 | $ 43,000 | $ 43,000 | $ 18,000 |
| Morgan County Missouri | 1 | $ 235,000 | $ 235,000 | $ 207,000 |
| Warren County Ohio | 1 | $ 105,000 | $ 105,000 | $ 52,000 |
| Beaufort County South Carolina | 1 | $ 248,000 | $ 248,000 | $ 406,000 |
| Galveston County Texas | 1 | $ 135,000 | $ 135,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2004
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 | 1,318 | $131,225,000 | $106,714 | $793,000 | $73,142 | $510,000 |
| Home Purchase | 799 | $73,088,000 | $178,111 | $595,000 | $183,111 | $1,056,000 |
| Home Improvement | 172 | $6,493,000 | $63,500 | $251,000 | $51,000 | $478,000 |
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 | 2,226 | $204,298,000 | $170,363 | $793,000 | $158,000 | $1,056,000 |
| Black or African American | 17 | $2,220,000 | $130,000 | $334,000 | $70,000 | $170,000 |
| Not applicable | 16 | $934,000 | $58,000 | $179,000 | $158,000 | $1,000,000 |
| Asian | 15 | $2,040,000 | $136,000 | $355,000 | $75,000 | $175,000 |
| Hispanic | 10 | $806,000 | $80,000 | $215,000 | $55,000 | $102,000 |
| Not Provided | 3 | $398,000 | $132,000 | $245,000 | $44,000 | $58,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $56,000 | $56,000 | $56,000 | $24,000 | $24,000 |
| American Indian or Alaskan Native | 1 | $54,000 | $54,000 | $54,000 | $47,000 | $47,000 |
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) | 2,256 | $208,381,000 | $170,454 | $793,000 | $158,181 | $1,056,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 32 | $2,345,000 | $73,000 | $144,000 | $30,000 | $58,000 |
| FHA-insured (Federal Housing Administration) | 1 | $80,000 | $80,000 | $80,000 | $51,000 | $51,000 |
| VA-guaranteed (Veterans 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 | 1,481 | $137,074,000 | $203,375 | $793,000 | $205,000 | $1,056,000 |
| Loan Purchased By The Institution | 615 | $58,511,000 | $94,833 | $465,000 | $55,666 | $504,000 |
| Application Denied By Financial Institution | 137 | $10,592,000 | $94,333 | $300,000 | $35,333 | $104,000 |
| Application Withdrawn By Applicant | 50 | $4,193,000 | $91,000 | $250,000 | $49,500 | $109,000 |
| Application Approved But Not Accepted | 6 | $436,000 | $72,000 | $161,000 | $48,000 | $66,000 |
| File Closed For Incompleteness | 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 |
|---|---|---|---|---|---|---|
| Credit History | 77 | $5,640,000 | $96,666 | $245,000 | $39,333 | $89,000 |
| Debt-To-Income Ratio | 38 | $3,312,000 | $78,000 | $300,000 | $23,000 | $104,000 |
| Collateral | 12 | $950,000 | $79,000 | $140,000 | $45,000 | $100,000 |
| Employment History | 5 | $357,000 | $71,000 | $114,000 | $35,000 | $64,000 |
| Other | 3 | $209,000 | $69,000 | $120,000 | $28,000 | $46,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $124,000 | $62,000 | $82,000 | $47,000 | $69,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2004 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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