United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2009
United Community Bank 2009 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 | 4,520 |
| Total Mortgage Loan Application Amount | $515,281,000 |
| Average Mortgage Loan Application Amount | $93,333 |
| Highest Mortgage Loan Application Amount | $1,992,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2009 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 2009 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 2009.
| 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 | 1,758 | $ 210,217,000 | $ 119,000 | $ 94,000 |
| Macoupin County Illinois | 462 | $ 42,075,000 | $ 91,000 | $ 66,000 |
| Madison County Illinois | 234 | $ 27,369,000 | $ 116,000 | $ 83,000 |
| Champaign County Illinois | 138 | $ 17,513,000 | $ 126,000 | $ 73,000 |
| Randolph County Illinois | 106 | $ 11,242,000 | $ 106,000 | $ 67,000 |
| Livingston County Illinois | 89 | $ 9,139,000 | $ 102,000 | $ 71,000 |
| Coles County Illinois | 79 | $ 7,906,000 | $ 100,000 | $ 73,000 |
| Jackson County Illinois | 78 | $ 8,193,000 | $ 105,000 | $ 75,000 |
| Menard County Illinois | 77 | $ 9,042,000 | $ 117,000 | $ 87,000 |
| Fulton County Illinois | 76 | $ 8,577,000 | $ 112,000 | $ 74,000 |
| Fayette County Illinois | 72 | $ 6,630,000 | $ 92,000 | $ 68,000 |
| St. Clair County Illinois | 68 | $ 10,014,000 | $ 147,000 | $ 89,000 |
| Effingham County Illinois | 66 | $ 8,377,000 | $ 126,000 | $ 69,000 |
| Moultrie County Illinois | 64 | $ 7,242,000 | $ 113,000 | $ 76,000 |
| Greene County Illinois | 59 | $ 4,046,000 | $ 68,000 | $ 83,000 |
| Adair County Missouri | 56 | $ 7,273,000 | $ 129,000 | $ 85,000 |
| Christian County Illinois | 53 | $ 5,197,000 | $ 98,000 | $ 80,000 |
| Douglas County Illinois | 50 | $ 4,646,000 | $ 92,000 | $ 80,000 |
| Lake County Indiana | 44 | $ 6,479,000 | $ 147,000 | $ 86,000 |
| Cass County Illinois | 42 | $ 3,947,000 | $ 93,000 | $ 76,000 |
| Knox County Illinois | 42 | $ 4,215,000 | $ 100,000 | $ 64,000 |
| Franklin County Illinois | 38 | $ 3,254,000 | $ 85,000 | $ 67,000 |
| Whiteside County Illinois | 34 | $ 4,548,000 | $ 133,000 | $ 73,000 |
| Henry County Illinois | 33 | $ 3,073,000 | $ 93,000 | $ 73,000 |
| McLean County Illinois | 28 | $ 2,831,000 | $ 101,000 | $ 64,000 |
| Jersey County Illinois | 26 | $ 3,820,000 | $ 146,000 | $ 76,000 |
| Morgan County Illinois | 26 | $ 2,367,000 | $ 91,000 | $ 76,000 |
| Montgomery County Illinois | 25 | $ 2,368,000 | $ 94,000 | $ 81,000 |
| Bond County Illinois | 24 | $ 2,076,000 | $ 86,000 | $ 57,000 |
| Rock Island County Illinois | 24 | $ 3,605,000 | $ 150,000 | $ 100,000 |
| Ford County Illinois | 23 | $ 2,180,000 | $ 94,000 | $ 75,000 |
| Clark County Illinois | 22 | $ 1,689,000 | $ 76,000 | $ 71,000 |
| Perry County Illinois | 22 | $ 2,038,000 | $ 92,000 | $ 61,000 |
| Jackson County Indiana | 18 | $ 2,130,000 | $ 118,000 | $ 59,000 |
| Shelby County Illinois | 16 | $ 1,397,000 | $ 87,000 | $ 51,000 |
| Cook County Illinois | 15 | $ 3,228,000 | $ 215,000 | $ 141,000 |
| Mason County Illinois | 15 | $ 1,321,000 | $ 88,000 | $ 88,000 |
| Owen County Indiana | 15 | $ 1,522,000 | $ 101,000 | $ 43,000 |
| Jasper County Indiana | 14 | $ 2,040,000 | $ 145,000 | $ 86,000 |
| Porter County Indiana | 14 | $ 3,142,000 | $ 224,000 | $ 105,000 |
| Mercer County Illinois | 13 | $ 1,438,000 | $ 110,000 | $ 87,000 |
| Camden County Missouri | 13 | $ 1,916,000 | $ 147,000 | $ 202,000 |
| Pulaski County Missouri | 13 | $ 1,650,000 | $ 126,000 | $ 58,000 |
| Bureau County Illinois | 12 | $ 1,087,000 | $ 90,000 | $ 55,000 |
| Peoria County Illinois | 12 | $ 1,833,000 | $ 152,000 | $ 100,000 |
| Vermilion County Illinois | 12 | $ 1,255,000 | $ 104,000 | $ 62,000 |
| Williamson County Illinois | 12 | $ 1,483,000 | $ 123,000 | $ 88,000 |
| St. Louis County Missouri | 12 | $ 2,234,000 | $ 186,000 | $ 163,000 |
| Crawford County Illinois | 10 | $ 676,000 | $ 67,000 | $ 49,000 |
| Logan County Illinois | 10 | $ 948,000 | $ 94,000 | $ 97,000 |
| Iroquois County Illinois | 9 | $ 1,024,000 | $ 113,000 | $ 104,000 |
| Macon County Illinois | 9 | $ 1,045,000 | $ 116,000 | $ 79,000 |
| Tazewell County Illinois | 9 | $ 1,449,000 | $ 161,000 | $ 111,000 |
| Monroe County Indiana | 8 | $ 1,372,000 | $ 171,000 | $ 77,000 |
| Carroll County Illinois | 7 | $ 460,000 | $ 65,000 | $ 37,000 |
| Clinton County Illinois | 7 | $ 813,000 | $ 116,000 | $ 77,000 |
| McDonough County Illinois | 7 | $ 803,000 | $ 114,000 | $ 80,000 |
| Piatt County Illinois | 7 | $ 788,000 | $ 112,000 | $ 54,000 |
| Tippecanoe County Indiana | 7 | $ 1,734,000 | $ 247,000 | $ 94,000 |
| Lewis County Missouri | 7 | $ 676,000 | $ 96,000 | $ 48,000 |
| Lee County Illinois | 6 | $ 656,000 | $ 109,000 | $ 86,000 |
| Monroe County Illinois | 6 | $ 1,249,000 | $ 208,000 | $ 100,000 |
| Richland County Illinois | 6 | $ 643,000 | $ 107,000 | $ 76,000 |
| Daviess County Indiana | 6 | $ 644,000 | $ 107,000 | $ 60,000 |
| Adams County Illinois | 5 | $ 578,000 | $ 115,000 | $ 78,000 |
| Cumberland County Illinois | 5 | $ 603,000 | $ 120,000 | $ 73,000 |
| Jefferson County Illinois | 5 | $ 547,000 | $ 109,000 | $ 81,000 |
| Marion County Illinois | 5 | $ 614,000 | $ 122,000 | $ 52,000 |
| Union County Illinois | 5 | $ 744,000 | $ 148,000 | $ 119,000 |
| Newton County Indiana | 5 | $ 505,000 | $ 101,000 | $ 59,000 |
| Will County Illinois | 4 | $ 838,000 | $ 209,000 | $ 210,000 |
| Knox County Missouri | 4 | $ 318,000 | $ 79,000 | $ 65,000 |
| Monroe County Missouri | 4 | $ 399,000 | $ 99,000 | $ 130,000 |
| St. Charles County Missouri | 4 | $ 328,000 | $ 82,000 | $ 118,000 |
| Maricopa County Arizona | 3 | $ 536,000 | $ 178,000 | $ 244,000 |
| Clay County Illinois | 3 | $ 243,000 | $ 81,000 | $ 53,000 |
| Edgar County Illinois | 3 | $ 247,000 | $ 82,000 | $ 62,000 |
| Jasper County Illinois | 3 | $ 189,000 | $ 63,000 | $ 48,000 |
| LaSalle County Illinois | 3 | $ 399,000 | $ 133,000 | $ 70,000 |
| Schuyler County Illinois | 3 | $ 244,000 | $ 81,000 | $ 42,000 |
| Stephenson County Illinois | 3 | $ 281,000 | $ 93,000 | $ 75,000 |
| Washington County Illinois | 3 | $ 337,000 | $ 112,000 | $ 65,000 |
| Wayne County Illinois | 3 | $ 380,000 | $ 126,000 | $ 92,000 |
| Benton County Indiana | 3 | $ 233,000 | $ 77,000 | $ 43,000 |
| Vanderburgh County Indiana | 3 | $ 281,000 | $ 93,000 | $ 83,000 |
| White County Indiana | 3 | $ 300,000 | $ 100,000 | $ 55,000 |
| St. Louis City County Missouri | 3 | $ 477,000 | $ 159,000 | $ 84,000 |
| DeKalb County Illinois | 2 | $ 567,000 | $ 283,000 | $ 485,000 |
| Hamilton County Illinois | 2 | $ 180,000 | $ 90,000 | $ 66,000 |
| McHenry County Illinois | 2 | $ 388,000 | $ 194,000 | $ 115,000 |
| Saline County Illinois | 2 | $ 237,000 | $ 118,000 | $ 119,000 |
| Woodford County Illinois | 2 | $ 177,000 | $ 88,000 | $ 75,000 |
| Boone County Indiana | 2 | $ 487,000 | $ 243,000 | $ 64,000 |
| Grant County Indiana | 2 | $ 480,000 | $ 240,000 | $ 141,000 |
| Clinton County Iowa | 2 | $ 230,000 | $ 115,000 | $ 47,000 |
| Scott County Iowa | 2 | $ 168,000 | $ 84,000 | $ 70,000 |
| Laclede County Missouri | 2 | $ 494,000 | $ 247,000 | $ 46,000 |
| Macon County Missouri | 2 | $ 360,000 | $ 180,000 | $ 114,000 |
| Miller County Missouri | 2 | $ 237,000 | $ 118,000 | $ 85,000 |
| Putnam County Missouri | 2 | $ 131,000 | $ 65,000 | $ 41,000 |
| Mohave County Arizona | 1 | $ 97,000 | $ 97,000 | $ 23,000 |
| Collier County Florida | 1 | $ 53,000 | $ 53,000 | $ 177,000 |
| Lee County Florida | 1 | $ 60,000 | $ 60,000 | $ 95,000 |
| Marion County Florida | 1 | $ 108,000 | $ 108,000 | $ 31,000 |
| Sarasota County Florida | 1 | $ 104,000 | $ 104,000 | $ 66,000 |
| Alexander County Illinois | 1 | $ 110,000 | $ 110,000 | $ 123,000 |
| Boone County Illinois | 1 | $ 218,000 | $ 218,000 | $ 94,000 |
| Calhoun County Illinois | 1 | $ 174,000 | $ 174,000 | $ 73,000 |
| Edwards County Illinois | 1 | $ 110,000 | $ 110,000 | $ 120,000 |
| Henderson County Illinois | 1 | $ 100,000 | $ 100,000 | $ 46,000 |
| Kane County Illinois | 1 | $ 175,000 | $ 175,000 | $ 99,000 |
| Lake County Illinois | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
| Pike County Illinois | 1 | $ 170,000 | $ 170,000 | $ 80,000 |
| Putnam County Illinois | 1 | $ 129,000 | $ 129,000 | $ 60,000 |
| Warren County Illinois | 1 | $ 197,000 | $ 197,000 | $ 101,000 |
| Winnebago County Illinois | 1 | $ 64,000 | $ 64,000 | $ 43,000 |
| Clay County Indiana | 1 | $ 66,000 | $ 66,000 | $ 37,000 |
| LaPorte County Indiana | 1 | $ 144,000 | $ 144,000 | $ 96,000 |
| Marion County Indiana | 1 | $ 148,000 | $ 148,000 | $ 68,000 |
| Montgomery County Indiana | 1 | $ 120,000 | $ 120,000 | $ 238,000 |
| Putnam County Indiana | 1 | $ 120,000 | $ 120,000 | $ 36,000 |
| St. Joseph County Indiana | 1 | $ 250,000 | $ 250,000 | $ 93,000 |
| Warren County Indiana | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Black Hawk County Iowa | 1 | $ 200,000 | $ 200,000 | $ 48,000 |
| Clayton County Iowa | 1 | $ 76,000 | $ 76,000 | $ 57,000 |
| Polk County Minnesota | 1 | $ 113,000 | $ 113,000 | $ 50,000 |
| Hancock County Mississippi | 1 | $ 80,000 | $ 80,000 | $ 53,000 |
| Cape Girardeau County Missouri | 1 | $ 139,000 | $ 139,000 | $ 64,000 |
| Clay County Missouri | 1 | $ 138,000 | $ 138,000 | $ 96,000 |
| Crawford County Missouri | 1 | $ 140,000 | $ 140,000 | $ 57,000 |
| Jackson County Missouri | 1 | $ 79,000 | $ 79,000 | $ 146,000 |
| Jefferson County Missouri | 1 | $ 92,000 | $ 92,000 | $ 104,000 |
| Lafayette County Missouri | 1 | $ 140,000 | $ 140,000 | $ 58,000 |
| Lincoln County Missouri | 1 | $ 94,000 | $ 94,000 | $ 33,000 |
| Maries County Missouri | 1 | $ 55,000 | $ 55,000 | $ 34,000 |
| Marion County Missouri | 1 | $ 125,000 | $ 125,000 | $ 64,000 |
| Phelps County Missouri | 1 | $ 90,000 | $ 90,000 | $ 37,000 |
| Randolph County Missouri | 1 | $ 152,000 | $ 152,000 | $ 56,000 |
| Warren County Missouri | 1 | $ 138,000 | $ 138,000 | $ 83,000 |
| Bernalillo County New Mexico | 1 | $ 190,000 | $ 190,000 | $ 76,000 |
| Tarrant County Texas | 1 | $ 236,000 | $ 236,000 | $ 119,000 |
| Wilson County Texas | 1 | $ 166,000 | $ 166,000 | $ 42,000 |
| Ashland County Wisconsin | 1 | $ 150,000 | $ 150,000 | $ 125,000 |
| Door County Wisconsin | 1 | $ 170,000 | $ 170,000 | $ 91,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2009
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 | 3,357 | $411,645,000 | $122,000 | $1,992,000 | $87,000 | $1,200,000 |
| Home Purchase | 906 | $87,909,000 | $97,000 | $640,000 | $65,000 | $665,000 |
| Home Improvement | 257 | $15,727,000 | $61,000 | $417,000 | $91,000 | $519,000 |
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 | 4,391 | $495,615,000 | $112,000 | $1,100,000 | $83,000 | $1,200,000 |
| Asian | 26 | $4,516,000 | $173,000 | $417,000 | $136,000 | $552,000 |
| Black or African American | 25 | $3,120,000 | $124,000 | $417,000 | $103,000 | $353,000 |
| Not applicable | 25 | $5,941,000 | $237,000 | $1,992,000 | $0 | $0 |
| Hispanic | 24 | $2,164,000 | $90,000 | $240,000 | $79,000 | $218,000 |
| Not Provided | 21 | $2,572,000 | $122,000 | $280,000 | $65,000 | $208,000 |
| American Indian or Alaskan Native | 5 | $960,000 | $192,000 | $416,000 | $315,000 | $645,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $393,000 | $131,000 | $138,000 | $81,000 | $96,000 |
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) | 4,329 | $499,580,000 | $115,000 | $1,992,000 | $85,000 | $1,200,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 181 | $14,708,000 | $81,000 | $191,000 | $38,000 | $91,000 |
| FHA-insured (Federal Housing Administration) | 9 | $936,000 | $104,000 | $186,000 | $56,000 | $102,000 |
| VA-guaranteed (Veterans Administration) | 1 | $57,000 | $57,000 | $57,000 | $25,000 | $25,000 |
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 | 3,638 | $420,245,000 | $115,000 | $1,992,000 | $88,000 | $1,200,000 |
| Application Denied By Financial Institution | 475 | $47,747,000 | $100,000 | $417,000 | $53,000 | $324,000 |
| Application Approved But Not Accepted | 317 | $36,666,000 | $115,000 | $417,000 | $76,000 | $344,000 |
| Application Withdrawn By Applicant | 90 | $10,623,000 | $118,000 | $417,000 | $74,000 | $194,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 236 | $20,685,000 | $87,000 | $417,000 | $53,000 | $324,000 |
| Debt-To-Income Ratio | 131 | $15,204,000 | $116,000 | $417,000 | $44,000 | $184,000 |
| Collateral | 43 | $4,975,000 | $115,000 | $274,000 | $80,000 | $238,000 |
| Other | 43 | $4,745,000 | $110,000 | $380,000 | $58,000 | $174,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $1,289,000 | $117,000 | $310,000 | $43,000 | $102,000 |
| Employment History | 4 | $211,000 | $52,000 | $85,000 | $36,000 | $52,000 |
| Mortgage Insurance Denied | 3 | $250,000 | $83,000 | $113,000 | $44,000 | $69,000 |
| Unverifiable Information | 3 | $352,000 | $117,000 | $167,000 | $54,000 | $100,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2009 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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