United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2005
United Community Bank 2005 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 | 2,369 |
| Total Mortgage Loan Application Amount | $216,315,000 |
| Average Mortgage Loan Application Amount | $130,571 |
| Highest Mortgage Loan Application Amount | $1,206,000 |
| Average Applicant Income | $73,571 |
| Highest Applicant Income | $669,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2005 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 2005 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 2005.
| 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 | 719 | $ 71,540,000 | $ 99,000 | $ 60,000 |
| Macoupin County Illinois | 308 | $ 20,071,000 | $ 65,000 | $ 55,000 |
| Madison County Illinois | 184 | $ 16,154,000 | $ 87,000 | $ 67,000 |
| Jackson County Illinois | 95 | $ 12,360,000 | $ 130,000 | $ 71,000 |
| Randolph County Illinois | 63 | $ 4,839,000 | $ 76,000 | $ 54,000 |
| Greene County Illinois | 58 | $ 2,700,000 | $ 46,000 | $ 51,000 |
| Livingston County Illinois | 53 | $ 4,286,000 | $ 80,000 | $ 44,000 |
| Champaign County Illinois | 51 | $ 5,376,000 | $ 105,000 | $ 57,000 |
| Effingham County Illinois | 50 | $ 4,680,000 | $ 93,000 | $ 48,000 |
| Henry County Illinois | 48 | $ 3,439,000 | $ 71,000 | $ 41,000 |
| Williamson County Illinois | 35 | $ 4,785,000 | $ 136,000 | $ 77,000 |
| Coles County Illinois | 33 | $ 2,601,000 | $ 78,000 | $ 62,000 |
| Menard County Illinois | 30 | $ 3,768,000 | $ 125,000 | $ 63,000 |
| Peoria County Illinois | 30 | $ 3,282,000 | $ 109,000 | $ 46,000 |
| Jersey County Illinois | 29 | $ 2,276,000 | $ 78,000 | $ 65,000 |
| Montgomery County Illinois | 29 | $ 1,511,000 | $ 52,000 | $ 53,000 |
| Putnam County Indiana | 29 | $ 3,584,000 | $ 123,000 | $ 56,000 |
| Christian County Illinois | 28 | $ 2,063,000 | $ 73,000 | $ 56,000 |
| Morgan County Illinois | 28 | $ 2,222,000 | $ 79,000 | $ 56,000 |
| Franklin County Illinois | 24 | $ 1,982,000 | $ 82,000 | $ 51,000 |
| Whiteside County Illinois | 24 | $ 1,879,000 | $ 78,000 | $ 58,000 |
| Woodford County Illinois | 23 | $ 2,494,000 | $ 108,000 | $ 52,000 |
| Hendricks County Indiana | 20 | $ 2,363,000 | $ 118,000 | $ 62,000 |
| Douglas County Illinois | 19 | $ 2,078,000 | $ 109,000 | $ 64,000 |
| Moultrie County Illinois | 18 | $ 1,443,000 | $ 80,000 | $ 64,000 |
| Saline County Illinois | 17 | $ 1,244,000 | $ 73,000 | $ 49,000 |
| Iroquois County Illinois | 15 | $ 1,193,000 | $ 79,000 | $ 79,000 |
| Ford County Illinois | 14 | $ 1,088,000 | $ 77,000 | $ 44,000 |
| Owen County Indiana | 14 | $ 1,339,000 | $ 95,000 | $ 42,000 |
| McLean County Illinois | 12 | $ 1,070,000 | $ 89,000 | $ 41,000 |
| Stark County Illinois | 12 | $ 911,000 | $ 75,000 | $ 54,000 |
| Tazewell County Illinois | 12 | $ 1,739,000 | $ 144,000 | $ 43,000 |
| Cass County Illinois | 11 | $ 737,000 | $ 67,000 | $ 50,000 |
| Perry County Illinois | 11 | $ 877,000 | $ 79,000 | $ 47,000 |
| Pike County Illinois | 11 | $ 628,000 | $ 57,000 | $ 35,000 |
| St. Clair County Illinois | 9 | $ 1,587,000 | $ 176,000 | $ 65,000 |
| Daviess County Indiana | 9 | $ 858,000 | $ 95,000 | $ 56,000 |
| Union County Illinois | 8 | $ 679,000 | $ 84,000 | $ 52,000 |
| Camden County Missouri | 8 | $ 1,260,000 | $ 157,000 | $ 82,000 |
| Shelby County Illinois | 7 | $ 437,000 | $ 62,000 | $ 51,000 |
| Carroll County Illinois | 6 | $ 295,000 | $ 49,000 | $ 49,000 |
| Fayette County Illinois | 6 | $ 547,000 | $ 91,000 | $ 49,000 |
| Logan County Illinois | 6 | $ 393,000 | $ 65,000 | $ 66,000 |
| Richland County Illinois | 6 | $ 614,000 | $ 102,000 | $ 52,000 |
| Boone County Indiana | 6 | $ 660,000 | $ 110,000 | $ 37,000 |
| Adams County Illinois | 5 | $ 419,000 | $ 83,000 | $ 42,000 |
| Johnson County Illinois | 5 | $ 598,000 | $ 119,000 | $ 94,000 |
| Knox County Illinois | 5 | $ 652,000 | $ 130,000 | $ 51,000 |
| Vermilion County Illinois | 5 | $ 157,000 | $ 31,000 | $ 46,000 |
| Washington County Illinois | 5 | $ 465,000 | $ 93,000 | $ 54,000 |
| Lafayette County Missouri | 5 | $ 490,000 | $ 98,000 | $ 64,000 |
| Bureau County Illinois | 4 | $ 327,000 | $ 81,000 | $ 51,000 |
| Clark County Illinois | 4 | $ 291,000 | $ 72,000 | $ 54,000 |
| Crawford County Illinois | 4 | $ 187,000 | $ 46,000 | $ 38,000 |
| Cumberland County Illinois | 4 | $ 189,000 | $ 47,000 | $ 17,000 |
| Mason County Illinois | 4 | $ 192,000 | $ 48,000 | $ 53,000 |
| Massac County Illinois | 4 | $ 274,000 | $ 68,000 | $ 47,000 |
| Stephenson County Illinois | 4 | $ 492,000 | $ 123,000 | $ 74,000 |
| Montgomery County Indiana | 4 | $ 383,000 | $ 95,000 | $ 61,000 |
| Bond County Illinois | 3 | $ 199,000 | $ 66,000 | $ 90,000 |
| Rock Island County Illinois | 3 | $ 424,000 | $ 141,000 | $ 51,000 |
| Marion County Indiana | 3 | $ 651,000 | $ 217,000 | $ 64,000 |
| Vanderburgh County Indiana | 3 | $ 291,000 | $ 97,000 | $ 47,000 |
| Morgan County Missouri | 3 | $ 661,000 | $ 220,000 | $ 29,000 |
| Calhoun County Illinois | 2 | $ 89,000 | $ 44,000 | $ 55,000 |
| Jefferson County Illinois | 2 | $ 106,000 | $ 53,000 | $ 72,000 |
| Lake County Illinois | 2 | $ 132,000 | $ 66,000 | $ 33,000 |
| Macon County Illinois | 2 | $ 255,000 | $ 127,000 | $ 72,000 |
| Marion County Illinois | 2 | $ 68,000 | $ 34,000 | $ 41,000 |
| Marshall County Illinois | 2 | $ 186,000 | $ 93,000 | $ 25,000 |
| McDonough County Illinois | 2 | $ 188,000 | $ 94,000 | $ 70,000 |
| Mercer County Illinois | 2 | $ 160,000 | $ 80,000 | $ 49,000 |
| Piatt County Illinois | 2 | $ 96,000 | $ 48,000 | $ 41,000 |
| Scott County Illinois | 2 | $ 170,000 | $ 85,000 | $ 52,000 |
| Benton County Indiana | 2 | $ 213,000 | $ 106,000 | $ 68,000 |
| Fountain County Indiana | 2 | $ 220,000 | $ 110,000 | $ 72,000 |
| Greene County Indiana | 2 | $ 133,000 | $ 66,000 | $ 58,000 |
| Hamilton County Indiana | 2 | $ 265,000 | $ 132,000 | $ 213,000 |
| Vermillion County Indiana | 2 | $ 188,000 | $ 94,000 | $ 36,000 |
| Marion County Missouri | 2 | $ 136,000 | $ 68,000 | $ 36,000 |
| Clay County Florida | 1 | $ 260,000 | $ 260,000 | $ 117,000 |
| Collier County Florida | 1 | $ 500,000 | $ 500,000 | $ 499,000 |
| Escambia County Florida | 1 | $ 272,000 | $ 272,000 | $ 73,000 |
| Marion County Florida | 1 | $ 100,000 | $ 100,000 | $ 67,000 |
| Clinton County Illinois | 1 | $ 74,000 | $ 74,000 | $ 86,000 |
| DeKalb County Illinois | 1 | $ 134,000 | $ 134,000 | $ 129,000 |
| DuPage County Illinois | 1 | $ 165,000 | $ 165,000 | $ 99,000 |
| Edgar County Illinois | 1 | $ 72,000 | $ 72,000 | $ 79,000 |
| Hancock County Illinois | 1 | $ 76,000 | $ 76,000 | $ 66,000 |
| Kane County Illinois | 1 | $ 63,000 | $ 63,000 | $ 127,000 |
| LaSalle County Illinois | 1 | $ 103,000 | $ 103,000 | $ 81,000 |
| Lawrence County Illinois | 1 | $ 81,000 | $ 81,000 | $ 35,000 |
| Lee County Illinois | 1 | $ 123,000 | $ 123,000 | $ 68,000 |
| Schuyler County Illinois | 1 | $ 80,000 | $ 80,000 | $ 0 |
| Warren County Illinois | 1 | $ 33,000 | $ 33,000 | $ 34,000 |
| White County Illinois | 1 | $ 45,000 | $ 45,000 | $ 36,000 |
| Will County Illinois | 1 | $ 184,000 | $ 184,000 | $ 52,000 |
| Dearborn County Indiana | 1 | $ 122,000 | $ 122,000 | $ 81,000 |
| Monroe County Indiana | 1 | $ 256,000 | $ 256,000 | $ 159,000 |
| Morgan County Indiana | 1 | $ 112,000 | $ 112,000 | $ 44,000 |
| Parke County Indiana | 1 | $ 63,000 | $ 63,000 | $ 56,000 |
| Warren County Indiana | 1 | $ 105,000 | $ 105,000 | $ 59,000 |
| Black Hawk County Iowa | 1 | $ 130,000 | $ 130,000 | $ 62,000 |
| Mills County Iowa | 1 | $ 150,000 | $ 150,000 | $ 65,000 |
| Muscatine County Iowa | 1 | $ 68,000 | $ 68,000 | $ 56,000 |
| Audrain County Missouri | 1 | $ 284,000 | $ 284,000 | $ 222,000 |
| Knox County Missouri | 1 | $ 76,000 | $ 76,000 | $ 14,000 |
| Macon County Missouri | 1 | $ 130,000 | $ 130,000 | $ 40,000 |
| Shelby County Missouri | 1 | $ 44,000 | $ 44,000 | $ 58,000 |
| St. Louis County Missouri | 1 | $ 204,000 | $ 204,000 | $ 101,000 |
| Warren County Ohio | 1 | $ 135,000 | $ 135,000 | $ 51,000 |
| Waukesha County Wisconsin | 1 | $ 192,000 | $ 192,000 | $ 87,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2005
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 | 1,088 | $99,004,000 | $154,333 | $660,000 | $84,166 | $669,000 |
| Refinancing | 1,085 | $108,355,000 | $126,200 | $1,206,000 | $59,400 | $669,000 |
| Home Improvement | 196 | $8,956,000 | $90,333 | $667,000 | $76,000 | $486,000 |
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 | 2,271 | $206,640,000 | $152,857 | $667,000 | $81,000 | $669,000 |
| Not applicable | 39 | $4,771,000 | $122,000 | $1,206,000 | $91,000 | $600,000 |
| Black or African American | 22 | $1,489,000 | $67,000 | $233,000 | $45,000 | $108,000 |
| Hispanic | 15 | $997,000 | $66,000 | $140,000 | $45,000 | $85,000 |
| Asian | 11 | $1,466,000 | $133,000 | $360,000 | $79,000 | $174,000 |
| Not Provided | 10 | $902,000 | $90,000 | $200,000 | $55,000 | $151,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $50,000 | $50,000 | $50,000 | $38,000 | $38,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,308 | $211,650,000 | $153,571 | $1,206,000 | $81,857 | $669,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 60 | $4,626,000 | $76,333 | $170,000 | $29,333 | $96,000 |
| FHA-insured (Federal Housing Administration) | 1 | $39,000 | $39,000 | $39,000 | $30,000 | $30,000 |
| 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 | 1,789 | $162,445,000 | $149,666 | $1,206,000 | $91,333 | $669,000 |
| Application Denied By Financial Institution | 266 | $23,629,000 | $118,200 | $660,000 | $44,800 | $246,000 |
| Application Approved But Not Accepted | 158 | $15,647,000 | $111,000 | $357,000 | $54,666 | $270,000 |
| Application Withdrawn By Applicant | 86 | $8,518,000 | $134,333 | $525,000 | $71,666 | $246,000 |
| Loan Purchased By The Institution | 68 | $5,939,000 | $74,500 | $250,000 | $40,000 | $143,000 |
| File Closed For Incompleteness | 2 | $137,000 | $68,000 | $92,000 | $42,000 | $68,000 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 153 | $13,129,000 | $119,000 | $660,000 | $51,500 | $177,000 |
| Debt-To-Income Ratio | 71 | $6,941,000 | $124,250 | $390,000 | $40,500 | $78,000 |
| Collateral | 20 | $1,576,000 | $84,500 | $180,000 | $45,500 | $246,000 |
| Other | 8 | $856,000 | $103,666 | $250,000 | $46,333 | $122,000 |
| Employment History | 7 | $557,000 | $79,500 | $137,000 | $34,500 | $57,000 |
| Unverifiable Information | 4 | $279,000 | $69,000 | $88,000 | $26,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $150,000 | $150,000 | $150,000 | $38,000 | $38,000 |
| Mortgage Insurance Denied | 1 | $58,000 | $58,000 | $58,000 | $19,000 | $19,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2005 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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