United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2007
United Community Bank 2007 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 | 1,969 |
| Total Mortgage Loan Application Amount | $184,496,000 |
| Average Mortgage Loan Application Amount | $77,666 |
| Highest Mortgage Loan Application Amount | $758,000 |
| Average Applicant Income | $72,333 |
| Highest Applicant Income | $840,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2007 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 2007 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 2007.
| 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 | 697 | $ 66,347,000 | $ 95,000 | $ 89,000 |
| Macoupin County Illinois | 280 | $ 20,262,000 | $ 72,000 | $ 61,000 |
| Madison County Illinois | 143 | $ 13,437,000 | $ 93,000 | $ 66,000 |
| Jackson County Illinois | 55 | $ 5,672,000 | $ 103,000 | $ 60,000 |
| Greene County Illinois | 50 | $ 3,354,000 | $ 67,000 | $ 60,000 |
| Randolph County Illinois | 41 | $ 3,283,000 | $ 80,000 | $ 48,000 |
| Menard County Illinois | 40 | $ 3,630,000 | $ 90,000 | $ 61,000 |
| Henry County Illinois | 39 | $ 3,268,000 | $ 83,000 | $ 58,000 |
| Livingston County Illinois | 36 | $ 3,260,000 | $ 90,000 | $ 44,000 |
| Champaign County Illinois | 29 | $ 2,782,000 | $ 95,000 | $ 67,000 |
| Putnam County Indiana | 29 | $ 3,563,000 | $ 122,000 | $ 62,000 |
| Christian County Illinois | 28 | $ 2,158,000 | $ 77,000 | $ 68,000 |
| Hendricks County Indiana | 26 | $ 3,614,000 | $ 139,000 | $ 67,000 |
| Effingham County Illinois | 24 | $ 2,597,000 | $ 108,000 | $ 57,000 |
| Jersey County Illinois | 21 | $ 1,632,000 | $ 77,000 | $ 69,000 |
| Moultrie County Illinois | 20 | $ 2,420,000 | $ 121,000 | $ 74,000 |
| Vermilion County Illinois | 20 | $ 1,130,000 | $ 56,000 | $ 45,000 |
| Franklin County Illinois | 18 | $ 1,638,000 | $ 91,000 | $ 58,000 |
| Montgomery County Illinois | 15 | $ 907,000 | $ 60,000 | $ 67,000 |
| Owen County Indiana | 14 | $ 1,571,000 | $ 112,000 | $ 47,000 |
| Coles County Illinois | 13 | $ 1,228,000 | $ 94,000 | $ 53,000 |
| Williamson County Illinois | 13 | $ 1,506,000 | $ 115,000 | $ 66,000 |
| Bureau County Illinois | 12 | $ 1,263,000 | $ 105,000 | $ 62,000 |
| McLean County Illinois | 12 | $ 1,058,000 | $ 88,000 | $ 40,000 |
| Morgan County Illinois | 12 | $ 1,044,000 | $ 87,000 | $ 51,000 |
| Jackson County Indiana | 12 | $ 1,430,000 | $ 119,000 | $ 51,000 |
| St. Clair County Illinois | 11 | $ 1,126,000 | $ 102,000 | $ 60,000 |
| Iroquois County Illinois | 10 | $ 917,000 | $ 91,000 | $ 74,000 |
| Monroe County Illinois | 10 | $ 1,226,000 | $ 122,000 | $ 38,000 |
| Whiteside County Illinois | 10 | $ 1,100,000 | $ 110,000 | $ 45,000 |
| Perry County Illinois | 9 | $ 659,000 | $ 73,000 | $ 52,000 |
| Logan County Illinois | 8 | $ 823,000 | $ 102,000 | $ 97,000 |
| Rock Island County Illinois | 8 | $ 736,000 | $ 92,000 | $ 55,000 |
| Shelby County Illinois | 8 | $ 760,000 | $ 95,000 | $ 50,000 |
| Peoria County Illinois | 7 | $ 688,000 | $ 98,000 | $ 45,000 |
| Wayne County Illinois | 7 | $ 691,000 | $ 98,000 | $ 56,000 |
| White County Indiana | 7 | $ 1,214,000 | $ 173,000 | $ 61,000 |
| Douglas County Illinois | 6 | $ 543,000 | $ 90,000 | $ 61,000 |
| Woodford County Illinois | 6 | $ 792,000 | $ 132,000 | $ 53,000 |
| Mason County Illinois | 5 | $ 344,000 | $ 68,000 | $ 51,000 |
| Stephenson County Illinois | 5 | $ 456,000 | $ 91,000 | $ 49,000 |
| Boone County Indiana | 5 | $ 708,000 | $ 141,000 | $ 71,000 |
| Bond County Illinois | 4 | $ 504,000 | $ 126,000 | $ 65,000 |
| Clark County Illinois | 4 | $ 174,000 | $ 43,000 | $ 29,000 |
| Stark County Illinois | 4 | $ 277,000 | $ 69,000 | $ 53,000 |
| Fountain County Indiana | 4 | $ 405,000 | $ 101,000 | $ 73,000 |
| Lake County Indiana | 4 | $ 455,000 | $ 113,000 | $ 82,000 |
| Tippecanoe County Indiana | 4 | $ 664,000 | $ 166,000 | $ 68,000 |
| Adair County Missouri | 4 | $ 586,000 | $ 146,000 | $ 88,000 |
| Adams County Illinois | 3 | $ 251,000 | $ 83,000 | $ 60,000 |
| Cass County Illinois | 3 | $ 166,000 | $ 55,000 | $ 31,000 |
| Cook County Illinois | 3 | $ 1,239,000 | $ 413,000 | $ 113,000 |
| Crawford County Illinois | 3 | $ 109,000 | $ 36,000 | $ 47,000 |
| Jefferson County Illinois | 3 | $ 338,000 | $ 112,000 | $ 70,000 |
| Knox County Illinois | 3 | $ 287,000 | $ 95,000 | $ 47,000 |
| Mercer County Illinois | 3 | $ 522,000 | $ 174,000 | $ 78,000 |
| Ogle County Illinois | 3 | $ 517,000 | $ 172,000 | $ 77,000 |
| Piatt County Illinois | 3 | $ 255,000 | $ 85,000 | $ 46,000 |
| Benton County Indiana | 3 | $ 286,000 | $ 95,000 | $ 65,000 |
| Greene County Indiana | 3 | $ 140,000 | $ 46,000 | $ 36,000 |
| Martin County Indiana | 3 | $ 222,000 | $ 74,000 | $ 43,000 |
| Montgomery County Indiana | 3 | $ 287,000 | $ 95,000 | $ 33,000 |
| Warren County Indiana | 3 | $ 363,000 | $ 121,000 | $ 78,000 |
| Camden County Missouri | 3 | $ 488,000 | $ 162,000 | $ 90,000 |
| Lee County Florida | 2 | $ 620,000 | $ 310,000 | $ 284,000 |
| Carroll County Illinois | 2 | $ 177,000 | $ 88,000 | $ 53,000 |
| Clay County Illinois | 2 | $ 111,000 | $ 55,000 | $ 27,000 |
| Clinton County Illinois | 2 | $ 251,000 | $ 125,000 | $ 28,000 |
| Cumberland County Illinois | 2 | $ 190,000 | $ 95,000 | $ 32,000 |
| Fulton County Illinois | 2 | $ 128,000 | $ 64,000 | $ 52,000 |
| Macon County Illinois | 2 | $ 288,000 | $ 144,000 | $ 56,000 |
| Marshall County Illinois | 2 | $ 281,000 | $ 140,000 | $ 62,000 |
| McDonough County Illinois | 2 | $ 167,000 | $ 83,000 | $ 45,000 |
| Richland County Illinois | 2 | $ 182,000 | $ 91,000 | $ 71,000 |
| Saline County Illinois | 2 | $ 153,000 | $ 76,000 | $ 37,000 |
| Union County Illinois | 2 | $ 220,000 | $ 110,000 | $ 48,000 |
| Daviess County Indiana | 2 | $ 330,000 | $ 165,000 | $ 52,000 |
| Hamilton County Indiana | 2 | $ 430,000 | $ 215,000 | $ 80,000 |
| Marion County Indiana | 2 | $ 369,000 | $ 184,000 | $ 58,000 |
| Parke County Indiana | 2 | $ 157,000 | $ 78,000 | $ 44,000 |
| Vigo County Indiana | 2 | $ 229,000 | $ 114,000 | $ 82,000 |
| Bernalillo County New Mexico | 2 | $ 392,000 | $ 196,000 | $ 72,000 |
| Boone County Illinois | 1 | $ 72,000 | $ 72,000 | $ 80,000 |
| Calhoun County Illinois | 1 | $ 180,000 | $ 180,000 | $ 70,000 |
| De Witt County Illinois | 1 | $ 25,000 | $ 25,000 | $ 57,000 |
| DuPage County Illinois | 1 | $ 50,000 | $ 50,000 | $ 16,000 |
| Edwards County Illinois | 1 | $ 109,000 | $ 109,000 | $ 136,000 |
| Fayette County Illinois | 1 | $ 72,000 | $ 72,000 | $ 33,000 |
| Gallatin County Illinois | 1 | $ 95,000 | $ 95,000 | $ 36,000 |
| Grundy County Illinois | 1 | $ 220,000 | $ 220,000 | $ 67,000 |
| Jasper County Illinois | 1 | $ 116,000 | $ 116,000 | $ 56,000 |
| Johnson County Illinois | 1 | $ 83,000 | $ 83,000 | $ 59,000 |
| Lawrence County Illinois | 1 | $ 68,000 | $ 68,000 | $ 58,000 |
| Marion County Illinois | 1 | $ 43,000 | $ 43,000 | $ 40,000 |
| Massac County Illinois | 1 | $ 30,000 | $ 30,000 | $ 31,000 |
| Pike County Illinois | 1 | $ 144,000 | $ 144,000 | $ 63,000 |
| Scott County Illinois | 1 | $ 151,000 | $ 151,000 | $ 57,000 |
| Tazewell County Illinois | 1 | $ 120,000 | $ 120,000 | $ 40,000 |
| Winnebago County Illinois | 1 | $ 90,000 | $ 90,000 | $ 84,000 |
| Carroll County Indiana | 1 | $ 166,000 | $ 166,000 | $ 34,000 |
| Clay County Indiana | 1 | $ 102,000 | $ 102,000 | $ 38,000 |
| Knox County Indiana | 1 | $ 28,000 | $ 28,000 | $ 22,000 |
| Madison County Indiana | 1 | $ 127,000 | $ 127,000 | $ 102,000 |
| Monroe County Indiana | 1 | $ 172,000 | $ 172,000 | $ 67,000 |
| Newton County Indiana | 1 | $ 130,000 | $ 130,000 | $ 72,000 |
| Porter County Indiana | 1 | $ 80,000 | $ 80,000 | $ 94,000 |
| Scott County Indiana | 1 | $ 147,000 | $ 147,000 | $ 130,000 |
| Vermillion County Indiana | 1 | $ 75,000 | $ 75,000 | $ 83,000 |
| Wayne County Indiana | 1 | $ 149,000 | $ 149,000 | $ 44,000 |
| Whitley County Indiana | 1 | $ 90,000 | $ 90,000 | $ 63,000 |
| Clinton County Iowa | 1 | $ 56,000 | $ 56,000 | $ 25,000 |
| Dickinson County Iowa | 1 | $ 337,000 | $ 337,000 | $ 0 |
| Muscatine County Iowa | 1 | $ 89,000 | $ 89,000 | $ 61,000 |
| Scott County Iowa | 1 | $ 124,000 | $ 124,000 | $ 40,000 |
| Johnson County Kansas | 1 | $ 139,000 | $ 139,000 | $ 97,000 |
| Bossier County Louisiana | 1 | $ 178,000 | $ 178,000 | $ 61,000 |
| Benton County Missouri | 1 | $ 18,000 | $ 18,000 | $ 38,000 |
| Shelby County Missouri | 1 | $ 128,000 | $ 128,000 | $ 77,000 |
| Major County Oklahoma | 1 | $ 143,000 | $ 143,000 | $ 78,000 |
| Door County Wisconsin | 1 | $ 170,000 | $ 170,000 | $ 0 |
| Milwaukee County Wisconsin | 1 | $ 133,000 | $ 133,000 | $ 43,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2007
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 | 899 | $98,598,000 | $109,000 | $521,000 | $74,000 | $840,000 |
| Home Purchase | 825 | $78,757,000 | $95,000 | $758,000 | $63,000 | $504,000 |
| Home Improvement | 245 | $7,141,000 | $29,000 | $417,000 | $80,000 | $572,000 |
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 | 1,904 | $177,481,000 | $93,000 | $521,000 | $69,000 | $840,000 |
| Not applicable | 28 | $3,919,000 | $139,000 | $758,000 | $149,000 | $468,000 |
| Black or African American | 15 | $794,000 | $52,000 | $151,000 | $60,000 | $92,000 |
| Hispanic | 11 | $1,166,000 | $106,000 | $225,000 | $77,000 | $225,000 |
| Asian | 6 | $855,000 | $142,000 | $417,000 | $106,000 | $302,000 |
| Not Provided | 3 | $173,000 | $57,000 | $64,000 | $37,000 | $52,000 |
| American Indian or Alaskan Native | 2 | $108,000 | $54,000 | $97,000 | $28,000 | $38,000 |
| Native Hawaiian or Other Pacific Islander | 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) | 1,915 | $179,989,000 | $93,000 | $758,000 | $71,000 | $840,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 51 | $4,324,000 | $84,000 | $180,000 | $40,000 | $74,000 |
| VA-guaranteed (Veterans Administration) | 2 | $93,000 | $46,000 | $88,000 | $33,000 | $40,000 |
| FHA-insured (Federal Housing Administration) | 1 | $90,000 | $90,000 | $90,000 | $61,000 | $61,000 |
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 | 1,514 | $139,100,000 | $91,000 | $758,000 | $75,000 | $840,000 |
| Application Denied By Financial Institution | 228 | $21,667,000 | $95,000 | $397,000 | $49,000 | $362,000 |
| Application Approved But Not Accepted | 183 | $19,365,000 | $105,000 | $350,000 | $60,000 | $300,000 |
| Application Withdrawn By Applicant | 24 | $2,434,000 | $101,000 | $215,000 | $52,000 | $94,000 |
| Loan Purchased By The Institution | 18 | $1,794,000 | $99,000 | $167,000 | $48,000 | $83,000 |
| File Closed For Incompleteness | 2 | $136,000 | $68,000 | $102,000 | $48,000 | $52,000 |
| 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 | 122 | $10,195,000 | $83,000 | $264,000 | $53,000 | $230,000 |
| Debt-To-Income Ratio | 73 | $8,349,000 | $114,000 | $362,000 | $43,000 | $150,000 |
| Collateral | 11 | $847,000 | $77,000 | $133,000 | $57,000 | $95,000 |
| Other | 9 | $1,123,000 | $124,000 | $397,000 | $79,000 | $362,000 |
| Employment History | 7 | $413,000 | $59,000 | $112,000 | $29,000 | $58,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $84,000 | $42,000 | $60,000 | $19,000 | $22,000 |
| Unverifiable Information | 2 | $268,000 | $134,000 | $155,000 | $18,000 | $23,000 |
| Mortgage Insurance Denied | 1 | $90,000 | $90,000 | $90,000 | $45,000 | $45,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2007 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.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.