United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2011
United Community Bank 2011 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 | 2,890 |
| Total Mortgage Loan Application Amount | $323,322,000 |
| Average Mortgage Loan Application Amount | $97,333 |
| Highest Mortgage Loan Application Amount | $849,000 |
| Average Applicant Income | $81,000 |
| Highest Applicant Income | $928,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2011 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 2011 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 2011.
| 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 | 874 | $ 107,397,000 | $ 122,000 | $ 101,000 |
| Macoupin County Illinois | 304 | $ 24,320,000 | $ 80,000 | $ 61,000 |
| Madison County Illinois | 129 | $ 14,189,000 | $ 109,000 | $ 87,000 |
| Buchanan County Missouri | 83 | $ 11,101,000 | $ 133,000 | $ 95,000 |
| Randolph County Illinois | 77 | $ 8,195,000 | $ 106,000 | $ 70,000 |
| Champaign County Illinois | 71 | $ 8,619,000 | $ 121,000 | $ 79,000 |
| Knox County Illinois | 59 | $ 6,116,000 | $ 103,000 | $ 75,000 |
| Jackson County Illinois | 54 | $ 5,804,000 | $ 107,000 | $ 77,000 |
| Hancock County Illinois | 52 | $ 5,083,000 | $ 97,000 | $ 74,000 |
| Greene County Illinois | 49 | $ 2,878,000 | $ 58,000 | $ 70,000 |
| Pike County Illinois | 49 | $ 4,004,000 | $ 81,000 | $ 52,000 |
| Jasper County Indiana | 41 | $ 5,664,000 | $ 138,000 | $ 85,000 |
| St. Clair County Illinois | 40 | $ 5,902,000 | $ 147,000 | $ 99,000 |
| Andrew County Missouri | 39 | $ 4,959,000 | $ 127,000 | $ 82,000 |
| Menard County Illinois | 38 | $ 4,820,000 | $ 126,000 | $ 94,000 |
| Lake County Indiana | 38 | $ 5,898,000 | $ 155,000 | $ 74,000 |
| Franklin County Illinois | 36 | $ 3,456,000 | $ 96,000 | $ 61,000 |
| Coles County Illinois | 33 | $ 3,650,000 | $ 110,000 | $ 75,000 |
| Livingston County Illinois | 33 | $ 2,898,000 | $ 87,000 | $ 74,000 |
| Effingham County Illinois | 32 | $ 4,296,000 | $ 134,000 | $ 98,000 |
| Pulaski County Missouri | 31 | $ 3,565,000 | $ 115,000 | $ 64,000 |
| Whiteside County Illinois | 29 | $ 3,381,000 | $ 116,000 | $ 68,000 |
| Laclede County Missouri | 29 | $ 2,202,000 | $ 75,000 | $ 55,000 |
| Christian County Illinois | 28 | $ 2,599,000 | $ 92,000 | $ 102,000 |
| Adair County Missouri | 26 | $ 2,776,000 | $ 106,000 | $ 68,000 |
| Carroll County Illinois | 23 | $ 2,006,000 | $ 87,000 | $ 71,000 |
| Douglas County Illinois | 20 | $ 1,924,000 | $ 96,000 | $ 70,000 |
| Fayette County Illinois | 18 | $ 1,692,000 | $ 94,000 | $ 65,000 |
| Nodaway County Missouri | 18 | $ 2,316,000 | $ 128,000 | $ 68,000 |
| Brown County Illinois | 17 | $ 2,394,000 | $ 140,000 | $ 82,000 |
| Morgan County Illinois | 17 | $ 1,357,000 | $ 79,000 | $ 64,000 |
| Vermilion County Illinois | 17 | $ 2,134,000 | $ 125,000 | $ 65,000 |
| Lewis County Missouri | 17 | $ 1,169,000 | $ 68,000 | $ 43,000 |
| Daviess County Indiana | 16 | $ 2,088,000 | $ 130,000 | $ 75,000 |
| Cooper County Missouri | 16 | $ 1,750,000 | $ 109,000 | $ 57,000 |
| Moultrie County Illinois | 15 | $ 1,568,000 | $ 104,000 | $ 87,000 |
| Ford County Illinois | 14 | $ 1,185,000 | $ 84,000 | $ 61,000 |
| Jersey County Illinois | 14 | $ 1,410,000 | $ 100,000 | $ 79,000 |
| McLean County Illinois | 14 | $ 1,732,000 | $ 123,000 | $ 85,000 |
| Porter County Indiana | 13 | $ 2,327,000 | $ 179,000 | $ 106,000 |
| Montgomery County Illinois | 12 | $ 1,227,000 | $ 102,000 | $ 69,000 |
| Rock Island County Illinois | 12 | $ 927,000 | $ 77,000 | $ 43,000 |
| Scott County Illinois | 12 | $ 984,000 | $ 82,000 | $ 74,000 |
| Camden County Missouri | 12 | $ 1,734,000 | $ 144,000 | $ 129,000 |
| Perry County Illinois | 11 | $ 1,083,000 | $ 98,000 | $ 70,000 |
| Wayne County Illinois | 10 | $ 884,000 | $ 88,000 | $ 61,000 |
| Phelps County Missouri | 10 | $ 966,000 | $ 96,000 | $ 64,000 |
| Adams County Illinois | 9 | $ 807,000 | $ 89,000 | $ 74,000 |
| Henry County Illinois | 9 | $ 739,000 | $ 82,000 | $ 73,000 |
| Williamson County Illinois | 9 | $ 1,174,000 | $ 130,000 | $ 83,000 |
| Cook County Illinois | 8 | $ 1,510,000 | $ 188,000 | $ 243,000 |
| Peoria County Illinois | 8 | $ 1,067,000 | $ 133,000 | $ 86,000 |
| Clinton County Iowa | 8 | $ 1,113,000 | $ 139,000 | $ 74,000 |
| Miller County Missouri | 8 | $ 836,000 | $ 104,000 | $ 53,000 |
| Logan County Illinois | 7 | $ 730,000 | $ 104,000 | $ 109,000 |
| Cass County Illinois | 6 | $ 405,000 | $ 67,000 | $ 81,000 |
| Crawford County Illinois | 6 | $ 304,000 | $ 50,000 | $ 51,000 |
| Jefferson County Illinois | 6 | $ 411,000 | $ 68,000 | $ 66,000 |
| McDonough County Illinois | 6 | $ 635,000 | $ 105,000 | $ 69,000 |
| Mercer County Illinois | 6 | $ 489,000 | $ 81,000 | $ 62,000 |
| Newton County Indiana | 6 | $ 515,000 | $ 85,000 | $ 67,000 |
| DeKalb County Missouri | 6 | $ 587,000 | $ 97,000 | $ 38,000 |
| Holt County Missouri | 6 | $ 394,000 | $ 65,000 | $ 98,000 |
| Clinton County Missouri | 5 | $ 748,000 | $ 149,000 | $ 75,000 |
| Monroe County Missouri | 5 | $ 380,000 | $ 76,000 | $ 49,000 |
| Fulton County Illinois | 4 | $ 549,000 | $ 137,000 | $ 86,000 |
| Lee County Illinois | 4 | $ 693,000 | $ 173,000 | $ 162,000 |
| Stephenson County Illinois | 4 | $ 391,000 | $ 97,000 | $ 45,000 |
| Washington County Illinois | 4 | $ 669,000 | $ 167,000 | $ 71,000 |
| St. Louis County Missouri | 4 | $ 608,000 | $ 152,000 | $ 99,000 |
| Maricopa County Arizona | 3 | $ 442,000 | $ 147,000 | $ 203,000 |
| Lee County Florida | 3 | $ 219,000 | $ 73,000 | $ 130,000 |
| Bond County Illinois | 3 | $ 388,000 | $ 129,000 | $ 74,000 |
| Shelby County Illinois | 3 | $ 174,000 | $ 58,000 | $ 85,000 |
| Union County Illinois | 3 | $ 247,000 | $ 82,000 | $ 36,000 |
| Warren County Illinois | 3 | $ 345,000 | $ 115,000 | $ 68,000 |
| Starke County Indiana | 3 | $ 207,000 | $ 69,000 | $ 78,000 |
| Boone County Missouri | 3 | $ 400,000 | $ 133,000 | $ 69,000 |
| Howard County Missouri | 3 | $ 297,000 | $ 99,000 | $ 57,000 |
| Knox County Missouri | 3 | $ 503,000 | $ 167,000 | $ 52,000 |
| St. Charles County Missouri | 3 | $ 284,000 | $ 94,000 | $ 69,000 |
| Larimer County Colorado | 2 | $ 284,000 | $ 142,000 | $ 53,000 |
| Palm Beach County Florida | 2 | $ 721,000 | $ 360,000 | $ 249,000 |
| Bureau County Illinois | 2 | $ 156,000 | $ 78,000 | $ 34,000 |
| Calhoun County Illinois | 2 | $ 371,000 | $ 185,000 | $ 78,000 |
| Cumberland County Illinois | 2 | $ 169,000 | $ 84,000 | $ 37,000 |
| Iroquois County Illinois | 2 | $ 184,000 | $ 92,000 | $ 73,000 |
| LaSalle County Illinois | 2 | $ 138,000 | $ 69,000 | $ 54,000 |
| Macon County Illinois | 2 | $ 63,000 | $ 31,000 | $ 108,000 |
| Marion County Illinois | 2 | $ 259,000 | $ 129,000 | $ 76,000 |
| Monroe County Illinois | 2 | $ 633,000 | $ 316,000 | $ 150,000 |
| Piatt County Illinois | 2 | $ 190,000 | $ 95,000 | $ 81,000 |
| Schuyler County Illinois | 2 | $ 388,000 | $ 194,000 | $ 126,000 |
| Clinton County Indiana | 2 | $ 123,000 | $ 61,000 | $ 51,000 |
| Jackson County Indiana | 2 | $ 395,000 | $ 197,000 | $ 166,000 |
| Marshall County Indiana | 2 | $ 191,000 | $ 95,000 | $ 29,000 |
| Owen County Indiana | 2 | $ 296,000 | $ 148,000 | $ 69,000 |
| Tippecanoe County Indiana | 2 | $ 335,000 | $ 167,000 | $ 114,000 |
| Vigo County Indiana | 2 | $ 172,000 | $ 86,000 | $ 125,000 |
| Warren County Indiana | 2 | $ 313,000 | $ 156,000 | $ 75,000 |
| Lee County Iowa | 2 | $ 308,000 | $ 154,000 | $ 43,000 |
| Johnson County Kansas | 2 | $ 435,000 | $ 217,000 | $ 213,000 |
| Atchison County Missouri | 2 | $ 197,000 | $ 98,000 | $ 91,000 |
| Crawford County Missouri | 2 | $ 492,000 | $ 246,000 | $ 139,000 |
| Marion County Missouri | 2 | $ 155,000 | $ 77,000 | $ 64,000 |
| Platte County Missouri | 2 | $ 231,000 | $ 115,000 | $ 109,000 |
| Schuyler County Missouri | 2 | $ 320,000 | $ 160,000 | $ 65,000 |
| St. Louis City County Missouri | 2 | $ 215,000 | $ 107,000 | $ 94,000 |
| Stone County Missouri | 2 | $ 240,000 | $ 120,000 | $ 76,000 |
| Bay County Florida | 1 | $ 120,000 | $ 120,000 | $ 153,000 |
| Sarasota County Florida | 1 | $ 115,000 | $ 115,000 | $ 97,000 |
| Boone County Illinois | 1 | $ 39,000 | $ 39,000 | $ 50,000 |
| Clark County Illinois | 1 | $ 67,000 | $ 67,000 | $ 61,000 |
| Clay County Illinois | 1 | $ 76,000 | $ 76,000 | $ 112,000 |
| Clinton County Illinois | 1 | $ 67,000 | $ 67,000 | $ 104,000 |
| De Witt County Illinois | 1 | $ 115,000 | $ 115,000 | $ 79,000 |
| Edwards County Illinois | 1 | $ 170,000 | $ 170,000 | $ 130,000 |
| Hamilton County Illinois | 1 | $ 100,000 | $ 100,000 | $ 74,000 |
| Hardin County Illinois | 1 | $ 205,000 | $ 205,000 | $ 91,000 |
| Henderson County Illinois | 1 | $ 82,000 | $ 82,000 | $ 38,000 |
| Jasper County Illinois | 1 | $ 81,000 | $ 81,000 | $ 114,000 |
| Jo Daviess County Illinois | 1 | $ 66,000 | $ 66,000 | $ 88,000 |
| Lake County Illinois | 1 | $ 178,000 | $ 178,000 | $ 109,000 |
| Pope County Illinois | 1 | $ 216,000 | $ 216,000 | $ 85,000 |
| Richland County Illinois | 1 | $ 60,000 | $ 60,000 | $ 62,000 |
| Tazewell County Illinois | 1 | $ 36,000 | $ 36,000 | $ 131,000 |
| White County Illinois | 1 | $ 52,000 | $ 52,000 | $ 47,000 |
| Will County Illinois | 1 | $ 180,000 | $ 180,000 | $ 88,000 |
| Woodford County Illinois | 1 | $ 57,000 | $ 57,000 | $ 49,000 |
| Benton County Indiana | 1 | $ 92,000 | $ 92,000 | $ 54,000 |
| Brown County Indiana | 1 | $ 264,000 | $ 264,000 | $ 188,000 |
| Cass County Indiana | 1 | $ 203,000 | $ 203,000 | $ 66,000 |
| Fountain County Indiana | 1 | $ 85,000 | $ 85,000 | $ 55,000 |
| Grant County Indiana | 1 | $ 414,000 | $ 414,000 | $ 269,000 |
| Greene County Indiana | 1 | $ 233,000 | $ 233,000 | $ 72,000 |
| LaPorte County Indiana | 1 | $ 175,000 | $ 175,000 | $ 83,000 |
| Martin County Indiana | 1 | $ 120,000 | $ 120,000 | $ 118,000 |
| Parke County Indiana | 1 | $ 50,000 | $ 50,000 | $ 151,000 |
| Pulaski County Indiana | 1 | $ 135,000 | $ 135,000 | $ 47,000 |
| Putnam County Indiana | 1 | $ 186,000 | $ 186,000 | $ 102,000 |
| Shelby County Indiana | 1 | $ 50,000 | $ 50,000 | $ 50,000 |
| Adams County Iowa | 1 | $ 101,000 | $ 101,000 | $ 60,000 |
| Cedar County Iowa | 1 | $ 252,000 | $ 252,000 | $ 135,000 |
| Muscatine County Iowa | 1 | $ 116,000 | $ 116,000 | $ 53,000 |
| Doniphan County Kansas | 1 | $ 104,000 | $ 104,000 | $ 41,000 |
| Antrim County Michigan | 1 | $ 667,000 | $ 667,000 | $ 331,000 |
| Livingston County Michigan | 1 | $ 130,000 | $ 130,000 | $ 45,000 |
| Callaway County Missouri | 1 | $ 258,000 | $ 258,000 | $ 71,000 |
| Christian County Missouri | 1 | $ 35,000 | $ 35,000 | $ 34,000 |
| Clark County Missouri | 1 | $ 71,000 | $ 71,000 | $ 75,000 |
| Greene County Missouri | 1 | $ 80,000 | $ 80,000 | $ 231,000 |
| Jackson County Missouri | 1 | $ 118,000 | $ 118,000 | $ 187,000 |
| Lafayette County Missouri | 1 | $ 172,000 | $ 172,000 | $ 79,000 |
| Lincoln County Missouri | 1 | $ 152,000 | $ 152,000 | $ 90,000 |
| Pettis County Missouri | 1 | $ 260,000 | $ 260,000 | $ 117,000 |
| Putnam County Missouri | 1 | $ 42,000 | $ 42,000 | $ 27,000 |
| Ralls County Missouri | 1 | $ 107,000 | $ 107,000 | $ 55,000 |
| Saline County Missouri | 1 | $ 30,000 | $ 30,000 | $ 36,000 |
| Sullivan County Missouri | 1 | $ 216,000 | $ 216,000 | $ 27,000 |
| Texas County Missouri | 1 | $ 145,000 | $ 145,000 | $ 55,000 |
| Wright County Missouri | 1 | $ 38,000 | $ 38,000 | $ 39,000 |
| Cleveland County Oklahoma | 1 | $ 113,000 | $ 113,000 | $ 64,000 |
| Harris County Texas | 1 | $ 73,000 | $ 73,000 | $ 51,000 |
| Rock County Wisconsin | 1 | $ 90,000 | $ 90,000 | $ 273,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2011
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 | 1,811 | $213,739,000 | $118,000 | $417,000 | $86,000 | $928,000 |
| Home Purchase | 829 | $94,297,000 | $113,000 | $849,000 | $80,000 | $870,000 |
| Home Improvement | 250 | $15,286,000 | $61,000 | $344,000 | $77,000 | $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 | 2,784 | $311,588,000 | $111,000 | $667,000 | $85,000 | $928,000 |
| Not Provided | 37 | $3,837,000 | $103,000 | $260,000 | $74,000 | $192,000 |
| Not applicable | 24 | $3,061,000 | $127,000 | $849,000 | $0 | $0 |
| Hispanic | 24 | $2,311,000 | $96,000 | $171,000 | $62,000 | $167,000 |
| Asian | 9 | $1,266,000 | $140,000 | $414,000 | $97,000 | $269,000 |
| Black or African American | 7 | $797,000 | $113,000 | $328,000 | $121,000 | $214,000 |
| American Indian or Alaskan Native | 4 | $282,000 | $70,000 | $76,000 | $45,000 | $80,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $180,000 | $180,000 | $180,000 | $87,000 | $87,000 |
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) | 2,728 | $309,430,000 | $113,000 | $849,000 | $86,000 | $928,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 149 | $12,467,000 | $83,000 | $250,000 | $41,000 | $167,000 |
| FHA-insured (Federal Housing Administration) | 12 | $1,379,000 | $114,000 | $224,000 | $62,000 | $95,000 |
| VA-guaranteed (Veterans Administration) | 1 | $46,000 | $46,000 | $46,000 | $20,000 | $20,000 |
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 | 2,197 | $245,338,000 | $111,000 | $849,000 | $89,000 | $928,000 |
| Application Denied By Financial Institution | 415 | $42,040,000 | $101,000 | $417,000 | $55,000 | $195,000 |
| Application Approved But Not Accepted | 214 | $27,071,000 | $126,000 | $417,000 | $85,000 | $870,000 |
| Application Withdrawn By Applicant | 63 | $8,616,000 | $136,000 | $320,000 | $84,000 | $223,000 |
| Loan Purchased By The Institution | 1 | $257,000 | $257,000 | $257,000 | $130,000 | $130,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 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 | 200 | $17,548,000 | $87,000 | $315,000 | $54,000 | $192,000 |
| Debt-To-Income Ratio | 129 | $15,316,000 | $118,000 | $417,000 | $49,000 | $169,000 |
| Collateral | 56 | $5,999,000 | $107,000 | $333,000 | $67,000 | $195,000 |
| Other | 13 | $1,668,000 | $128,000 | $325,000 | $73,000 | $151,000 |
| Employment History | 10 | $940,000 | $94,000 | $350,000 | $52,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $362,000 | $90,000 | $147,000 | $56,000 | $93,000 |
| Mortgage Insurance Denied | 2 | $171,000 | $85,000 | $116,000 | $61,000 | $72,000 |
| Unverifiable Information | 1 | $36,000 | $36,000 | $36,000 | $20,000 | $20,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2011 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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