United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2010
United Community Bank 2010 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 | 3,776 |
| Total Mortgage Loan Application Amount | $431,253,000 |
| Average Mortgage Loan Application Amount | $96,666 |
| Highest Mortgage Loan Application Amount | $898,000 |
| Average Applicant Income | $81,333 |
| Highest Applicant Income | $1,000,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2010 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 2010 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 2010.
| 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 | 1,368 | $ 164,690,000 | $ 120,000 | $ 100,000 |
| Macoupin County Illinois | 379 | $ 33,427,000 | $ 88,000 | $ 68,000 |
| Madison County Illinois | 180 | $ 19,630,000 | $ 109,000 | $ 81,000 |
| Randolph County Illinois | 124 | $ 13,286,000 | $ 107,000 | $ 74,000 |
| Champaign County Illinois | 109 | $ 12,539,000 | $ 115,000 | $ 75,000 |
| Jackson County Illinois | 67 | $ 8,183,000 | $ 122,000 | $ 86,000 |
| St. Clair County Illinois | 59 | $ 8,976,000 | $ 152,000 | $ 98,000 |
| Buchanan County Missouri | 59 | $ 7,910,000 | $ 134,000 | $ 85,000 |
| Whiteside County Illinois | 56 | $ 6,468,000 | $ 115,000 | $ 70,000 |
| Pulaski County Missouri | 55 | $ 7,161,000 | $ 130,000 | $ 70,000 |
| Hancock County Illinois | 53 | $ 4,936,000 | $ 93,000 | $ 72,000 |
| Effingham County Illinois | 52 | $ 6,551,000 | $ 125,000 | $ 69,000 |
| Livingston County Illinois | 49 | $ 5,091,000 | $ 103,000 | $ 64,000 |
| Lake County Indiana | 48 | $ 7,421,000 | $ 154,000 | $ 86,000 |
| Menard County Illinois | 47 | $ 6,457,000 | $ 137,000 | $ 100,000 |
| Greene County Illinois | 46 | $ 3,248,000 | $ 70,000 | $ 82,000 |
| Moultrie County Illinois | 44 | $ 4,337,000 | $ 98,000 | $ 69,000 |
| Coles County Illinois | 42 | $ 4,148,000 | $ 98,000 | $ 80,000 |
| Christian County Illinois | 41 | $ 3,920,000 | $ 95,000 | $ 86,000 |
| Knox County Illinois | 36 | $ 3,620,000 | $ 100,000 | $ 96,000 |
| Franklin County Illinois | 33 | $ 2,614,000 | $ 79,000 | $ 59,000 |
| Jasper County Indiana | 31 | $ 4,351,000 | $ 140,000 | $ 71,000 |
| Andrew County Missouri | 31 | $ 5,319,000 | $ 171,000 | $ 93,000 |
| Ford County Illinois | 28 | $ 2,968,000 | $ 106,000 | $ 72,000 |
| Vermilion County Illinois | 28 | $ 2,181,000 | $ 77,000 | $ 67,000 |
| Brown County Illinois | 26 | $ 3,320,000 | $ 127,000 | $ 82,000 |
| Montgomery County Illinois | 26 | $ 2,550,000 | $ 98,000 | $ 84,000 |
| Adair County Missouri | 25 | $ 3,004,000 | $ 120,000 | $ 77,000 |
| Peoria County Illinois | 24 | $ 3,265,000 | $ 136,000 | $ 83,000 |
| Jersey County Illinois | 23 | $ 2,065,000 | $ 89,000 | $ 73,000 |
| Fayette County Illinois | 21 | $ 2,046,000 | $ 97,000 | $ 80,000 |
| Laclede County Missouri | 21 | $ 2,442,000 | $ 116,000 | $ 74,000 |
| Williamson County Illinois | 19 | $ 2,064,000 | $ 108,000 | $ 64,000 |
| Carroll County Illinois | 18 | $ 1,376,000 | $ 76,000 | $ 70,000 |
| Perry County Illinois | 18 | $ 1,810,000 | $ 100,000 | $ 56,000 |
| Rock Island County Illinois | 18 | $ 2,614,000 | $ 145,000 | $ 87,000 |
| Henry County Illinois | 16 | $ 1,629,000 | $ 101,000 | $ 85,000 |
| Morgan County Illinois | 16 | $ 1,251,000 | $ 78,000 | $ 121,000 |
| Nodaway County Missouri | 16 | $ 1,892,000 | $ 118,000 | $ 90,000 |
| Douglas County Illinois | 15 | $ 1,381,000 | $ 92,000 | $ 57,000 |
| Porter County Indiana | 15 | $ 1,783,000 | $ 118,000 | $ 80,000 |
| Daviess County Indiana | 14 | $ 2,174,000 | $ 155,000 | $ 60,000 |
| Cooper County Missouri | 13 | $ 1,649,000 | $ 126,000 | $ 60,000 |
| McLean County Illinois | 12 | $ 1,390,000 | $ 115,000 | $ 59,000 |
| Miller County Missouri | 12 | $ 1,306,000 | $ 108,000 | $ 62,000 |
| Crawford County Illinois | 11 | $ 820,000 | $ 74,000 | $ 48,000 |
| Owen County Indiana | 11 | $ 1,104,000 | $ 100,000 | $ 70,000 |
| Camden County Missouri | 11 | $ 1,615,000 | $ 146,000 | $ 128,000 |
| Macon County Illinois | 10 | $ 1,230,000 | $ 123,000 | $ 86,000 |
| Adams County Illinois | 9 | $ 802,000 | $ 89,000 | $ 77,000 |
| Cass County Illinois | 9 | $ 899,000 | $ 99,000 | $ 71,000 |
| Logan County Illinois | 9 | $ 829,000 | $ 92,000 | $ 101,000 |
| Shelby County Illinois | 9 | $ 936,000 | $ 104,000 | $ 62,000 |
| Clark County Illinois | 8 | $ 598,000 | $ 74,000 | $ 63,000 |
| McDonough County Illinois | 8 | $ 715,000 | $ 89,000 | $ 67,000 |
| Lee County Iowa | 8 | $ 467,000 | $ 58,000 | $ 54,000 |
| St. Louis County Missouri | 8 | $ 1,775,000 | $ 221,000 | $ 175,000 |
| Bond County Illinois | 7 | $ 950,000 | $ 135,000 | $ 96,000 |
| Iroquois County Illinois | 7 | $ 792,000 | $ 113,000 | $ 85,000 |
| Mercer County Illinois | 7 | $ 754,000 | $ 107,000 | $ 91,000 |
| Phelps County Missouri | 7 | $ 874,000 | $ 124,000 | $ 60,000 |
| Cook County Illinois | 6 | $ 1,402,000 | $ 233,000 | $ 385,000 |
| Monroe County Illinois | 6 | $ 926,000 | $ 154,000 | $ 114,000 |
| Stephenson County Illinois | 6 | $ 435,000 | $ 72,000 | $ 48,000 |
| Washington County Illinois | 6 | $ 887,000 | $ 147,000 | $ 65,000 |
| Monroe County Missouri | 6 | $ 409,000 | $ 68,000 | $ 47,000 |
| Newton County Indiana | 5 | $ 596,000 | $ 119,000 | $ 44,000 |
| Clinton County Iowa | 5 | $ 501,000 | $ 100,000 | $ 59,000 |
| Clinton County Illinois | 4 | $ 280,000 | $ 70,000 | $ 80,000 |
| Cumberland County Illinois | 4 | $ 378,000 | $ 94,000 | $ 61,000 |
| Johnson County Illinois | 4 | $ 603,000 | $ 150,000 | $ 69,000 |
| LaSalle County Illinois | 4 | $ 403,000 | $ 100,000 | $ 53,000 |
| Lee County Illinois | 4 | $ 582,000 | $ 145,000 | $ 98,000 |
| Marion County Illinois | 4 | $ 407,000 | $ 101,000 | $ 62,000 |
| Wayne County Illinois | 4 | $ 412,000 | $ 103,000 | $ 52,000 |
| Marion County Indiana | 4 | $ 522,000 | $ 130,000 | $ 91,000 |
| Starke County Indiana | 4 | $ 537,000 | $ 134,000 | $ 61,000 |
| Clinton County Missouri | 4 | $ 399,000 | $ 99,000 | $ 60,000 |
| Scotland County Missouri | 4 | $ 307,000 | $ 76,000 | $ 47,000 |
| Fulton County Illinois | 3 | $ 308,000 | $ 102,000 | $ 77,000 |
| Mason County Illinois | 3 | $ 216,000 | $ 72,000 | $ 72,000 |
| Warren County Illinois | 3 | $ 360,000 | $ 120,000 | $ 66,000 |
| Martin County Indiana | 3 | $ 385,000 | $ 128,000 | $ 47,000 |
| Monroe County Indiana | 3 | $ 539,000 | $ 179,000 | $ 36,000 |
| Tippecanoe County Indiana | 3 | $ 664,000 | $ 221,000 | $ 135,000 |
| Scott County Iowa | 3 | $ 249,000 | $ 83,000 | $ 56,000 |
| DeKalb County Missouri | 3 | $ 279,000 | $ 93,000 | $ 39,000 |
| Schuyler County Missouri | 3 | $ 268,000 | $ 89,000 | $ 65,000 |
| Bureau County Illinois | 2 | $ 104,000 | $ 52,000 | $ 60,000 |
| Clay County Illinois | 2 | $ 237,000 | $ 118,000 | $ 54,000 |
| De Witt County Illinois | 2 | $ 116,000 | $ 58,000 | $ 60,000 |
| Jasper County Illinois | 2 | $ 194,000 | $ 97,000 | $ 54,000 |
| Massac County Illinois | 2 | $ 355,000 | $ 177,000 | $ 122,000 |
| Piatt County Illinois | 2 | $ 166,000 | $ 83,000 | $ 53,000 |
| Pike County Illinois | 2 | $ 477,000 | $ 238,000 | $ 135,000 |
| Pulaski County Illinois | 2 | $ 308,000 | $ 154,000 | $ 76,000 |
| Richland County Illinois | 2 | $ 259,000 | $ 129,000 | $ 60,000 |
| Schuyler County Illinois | 2 | $ 270,000 | $ 135,000 | $ 147,000 |
| Union County Illinois | 2 | $ 384,000 | $ 192,000 | $ 58,000 |
| Woodford County Illinois | 2 | $ 188,000 | $ 94,000 | $ 58,000 |
| Sullivan County Indiana | 2 | $ 445,000 | $ 222,000 | $ 75,000 |
| Doniphan County Kansas | 2 | $ 141,000 | $ 70,000 | $ 33,000 |
| Leelanau County Michigan | 2 | $ 542,000 | $ 271,000 | $ 416,000 |
| Boone County Missouri | 2 | $ 226,000 | $ 113,000 | $ 109,000 |
| Dallas County Missouri | 2 | $ 219,000 | $ 109,000 | $ 50,000 |
| Jefferson County Missouri | 2 | $ 262,000 | $ 131,000 | $ 108,000 |
| Knox County Missouri | 2 | $ 170,000 | $ 85,000 | $ 27,000 |
| Lewis County Missouri | 2 | $ 74,000 | $ 37,000 | $ 30,000 |
| Macon County Missouri | 2 | $ 146,000 | $ 73,000 | $ 49,000 |
| Maries County Missouri | 2 | $ 406,000 | $ 203,000 | $ 84,000 |
| Morgan County Missouri | 2 | $ 257,000 | $ 128,000 | $ 85,000 |
| St. Louis City County Missouri | 2 | $ 226,000 | $ 113,000 | $ 64,000 |
| Maricopa County Arizona | 1 | $ 90,000 | $ 90,000 | $ 145,000 |
| Collier County Florida | 1 | $ 128,000 | $ 128,000 | $ 55,000 |
| Palm Beach County Florida | 1 | $ 299,000 | $ 299,000 | $ 308,000 |
| Pinellas County Florida | 1 | $ 208,000 | $ 208,000 | $ 372,000 |
| Calhoun County Illinois | 1 | $ 28,000 | $ 28,000 | $ 108,000 |
| DuPage County Illinois | 1 | $ 228,000 | $ 228,000 | $ 160,000 |
| Edwards County Illinois | 1 | $ 40,000 | $ 40,000 | $ 68,000 |
| Grundy County Illinois | 1 | $ 40,000 | $ 40,000 | $ 157,000 |
| Kane County Illinois | 1 | $ 190,000 | $ 190,000 | $ 148,000 |
| Pope County Illinois | 1 | $ 20,000 | $ 20,000 | $ 33,000 |
| Saline County Illinois | 1 | $ 136,000 | $ 136,000 | $ 111,000 |
| Tazewell County Illinois | 1 | $ 100,000 | $ 100,000 | $ 57,000 |
| Wabash County Illinois | 1 | $ 100,000 | $ 100,000 | $ 116,000 |
| Benton County Indiana | 1 | $ 84,000 | $ 84,000 | $ 61,000 |
| Boone County Indiana | 1 | $ 150,000 | $ 150,000 | $ 56,000 |
| Carroll County Indiana | 1 | $ 311,000 | $ 311,000 | $ 156,000 |
| Greene County Indiana | 1 | $ 153,000 | $ 153,000 | $ 35,000 |
| Jackson County Indiana | 1 | $ 139,000 | $ 139,000 | $ 113,000 |
| Jennings County Indiana | 1 | $ 55,000 | $ 55,000 | $ 17,000 |
| Putnam County Indiana | 1 | $ 92,000 | $ 92,000 | $ 71,000 |
| Davis County Iowa | 1 | $ 160,000 | $ 160,000 | $ 39,000 |
| Taylor County Iowa | 1 | $ 90,000 | $ 90,000 | $ 87,000 |
| Johnson County Kansas | 1 | $ 300,000 | $ 300,000 | $ 337,000 |
| Atchison County Missouri | 1 | $ 115,000 | $ 115,000 | $ 30,000 |
| Benton County Missouri | 1 | $ 120,000 | $ 120,000 | $ 305,000 |
| Clay County Missouri | 1 | $ 165,000 | $ 165,000 | $ 91,000 |
| Franklin County Missouri | 1 | $ 180,000 | $ 180,000 | $ 127,000 |
| Greene County Missouri | 1 | $ 259,000 | $ 259,000 | $ 79,000 |
| Holt County Missouri | 1 | $ 92,000 | $ 92,000 | $ 77,000 |
| Howard County Missouri | 1 | $ 110,000 | $ 110,000 | $ 37,000 |
| Marion County Missouri | 1 | $ 130,000 | $ 130,000 | $ 66,000 |
| Montgomery County Missouri | 1 | $ 59,000 | $ 59,000 | $ 96,000 |
| Osage County Missouri | 1 | $ 130,000 | $ 130,000 | $ 66,000 |
| Platte County Missouri | 1 | $ 197,000 | $ 197,000 | $ 80,000 |
| Putnam County Missouri | 1 | $ 58,000 | $ 58,000 | $ 31,000 |
| Randolph County Missouri | 1 | $ 173,000 | $ 173,000 | $ 120,000 |
| Ray County Missouri | 1 | $ 54,000 | $ 54,000 | $ 114,000 |
| St. Charles County Missouri | 1 | $ 197,000 | $ 197,000 | $ 74,000 |
| Sullivan County Missouri | 1 | $ 160,000 | $ 160,000 | $ 64,000 |
| Gallatin County Montana | 1 | $ 161,000 | $ 161,000 | $ 13,000 |
| Oklahoma County Oklahoma | 1 | $ 147,000 | $ 147,000 | $ 137,000 |
| Butte County South Dakota | 1 | $ 84,000 | $ 84,000 | $ 95,000 |
| Collin County Texas | 1 | $ 100,000 | $ 100,000 | $ 121,000 |
| Door County Wisconsin | 1 | $ 138,000 | $ 138,000 | $ 283,000 |
| Milwaukee County Wisconsin | 1 | $ 254,000 | $ 254,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2010
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 | 2,623 | $324,965,000 | $123,000 | $898,000 | $90,000 | $1,000,000 |
| Home Purchase | 829 | $84,967,000 | $102,000 | $417,000 | $75,000 | $657,000 |
| Home Improvement | 324 | $21,321,000 | $65,000 | $290,000 | $79,000 | $581,000 |
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 | 3,648 | $417,074,000 | $114,000 | $898,000 | $86,000 | $1,000,000 |
| Not Provided | 46 | $5,429,000 | $118,000 | $263,000 | $80,000 | $160,000 |
| Asian | 23 | $2,626,000 | $114,000 | $230,000 | $112,000 | $425,000 |
| Hispanic | 21 | $2,130,000 | $101,000 | $226,000 | $74,000 | $146,000 |
| Not applicable | 16 | $1,386,000 | $86,000 | $375,000 | $58,000 | $358,000 |
| Black or African American | 14 | $1,756,000 | $125,000 | $409,000 | $152,000 | $458,000 |
| American Indian or Alaskan Native | 6 | $740,000 | $123,000 | $308,000 | $95,000 | $190,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $112,000 | $56,000 | $70,000 | $29,000 | $58,000 |
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) | 3,658 | $421,091,000 | $115,000 | $898,000 | $87,000 | $1,000,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 103 | $8,528,000 | $82,000 | $171,000 | $38,000 | $89,000 |
| FHA-insured (Federal Housing Administration) | 14 | $1,563,000 | $111,000 | $275,000 | $52,000 | $107,000 |
| VA-guaranteed (Veterans Administration) | 1 | $71,000 | $71,000 | $71,000 | $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 | 2,963 | $341,881,000 | $115,000 | $898,000 | $92,000 | $1,000,000 |
| Application Denied By Financial Institution | 485 | $49,201,000 | $101,000 | $400,000 | $55,000 | $269,000 |
| Application Approved But Not Accepted | 254 | $31,079,000 | $122,000 | $417,000 | $80,000 | $423,000 |
| Application Withdrawn By Applicant | 74 | $9,092,000 | $122,000 | $300,000 | $75,000 | $184,000 |
| 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 | 216 | $19,373,000 | $89,000 | $400,000 | $58,000 | $219,000 |
| Debt-To-Income Ratio | 164 | $18,959,000 | $115,000 | $380,000 | $44,000 | $146,000 |
| Collateral | 48 | $5,517,000 | $114,000 | $345,000 | $71,000 | $161,000 |
| Other | 33 | $3,011,000 | $91,000 | $207,000 | $68,000 | $269,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 10 | $1,191,000 | $119,000 | $236,000 | $68,000 | $102,000 |
| Mortgage Insurance Denied | 6 | $581,000 | $96,000 | $172,000 | $53,000 | $100,000 |
| Employment History | 6 | $422,000 | $70,000 | $112,000 | $53,000 | $180,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2010 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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