United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2013
United Community Bank 2013 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 | 2,747 |
| Total Mortgage Loan Application Amount | $304,378,000 |
| Average Mortgage Loan Application Amount | $99,333 |
| Highest Mortgage Loan Application Amount | $1,031,000 |
| Average Applicant Income | $81,666 |
| Highest Applicant Income | $1,367,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2013 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 2013 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 2013.
| 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 | 706 | $ 80,834,000 | $ 114,000 | $ 97,000 |
| Macoupin County Illinois | 326 | $ 28,415,000 | $ 87,000 | $ 63,000 |
| Buchanan County Missouri | 105 | $ 13,598,000 | $ 129,000 | $ 71,000 |
| Madison County Illinois | 86 | $ 10,925,000 | $ 127,000 | $ 100,000 |
| Champaign County Illinois | 77 | $ 9,325,000 | $ 121,000 | $ 83,000 |
| Randolph County Illinois | 62 | $ 7,047,000 | $ 113,000 | $ 82,000 |
| Knox County Illinois | 61 | $ 5,399,000 | $ 88,000 | $ 70,000 |
| Pike County Illinois | 61 | $ 4,787,000 | $ 78,000 | $ 59,000 |
| Jasper County Indiana | 58 | $ 7,452,000 | $ 128,000 | $ 67,000 |
| Greene County Illinois | 54 | $ 3,620,000 | $ 67,000 | $ 101,000 |
| Hancock County Illinois | 53 | $ 4,886,000 | $ 92,000 | $ 78,000 |
| Lake County Indiana | 52 | $ 6,546,000 | $ 125,000 | $ 78,000 |
| Andrew County Missouri | 52 | $ 8,355,000 | $ 160,000 | $ 79,000 |
| Nodaway County Missouri | 37 | $ 5,008,000 | $ 135,000 | $ 80,000 |
| Jersey County Illinois | 33 | $ 3,568,000 | $ 108,000 | $ 67,000 |
| Jackson County Illinois | 31 | $ 3,572,000 | $ 115,000 | $ 84,000 |
| St. Clair County Illinois | 31 | $ 4,964,000 | $ 160,000 | $ 116,000 |
| Christian County Illinois | 30 | $ 2,177,000 | $ 72,000 | $ 74,000 |
| Newton County Indiana | 28 | $ 2,917,000 | $ 104,000 | $ 60,000 |
| Pulaski County Missouri | 26 | $ 2,707,000 | $ 104,000 | $ 51,000 |
| Coles County Illinois | 25 | $ 2,124,000 | $ 84,000 | $ 58,000 |
| Fayette County Illinois | 25 | $ 2,709,000 | $ 108,000 | $ 82,000 |
| Bureau County Illinois | 24 | $ 1,952,000 | $ 81,000 | $ 41,000 |
| Ford County Illinois | 23 | $ 2,642,000 | $ 114,000 | $ 101,000 |
| Porter County Indiana | 21 | $ 2,675,000 | $ 127,000 | $ 88,000 |
| Effingham County Illinois | 20 | $ 2,591,000 | $ 129,000 | $ 73,000 |
| McDonough County Illinois | 19 | $ 1,281,000 | $ 67,000 | $ 51,000 |
| Williamson County Illinois | 18 | $ 2,264,000 | $ 125,000 | $ 90,000 |
| Douglas County Illinois | 17 | $ 1,762,000 | $ 103,000 | $ 54,000 |
| Franklin County Illinois | 17 | $ 2,659,000 | $ 156,000 | $ 91,000 |
| Adams County Illinois | 16 | $ 1,391,000 | $ 86,000 | $ 63,000 |
| Menard County Illinois | 16 | $ 1,669,000 | $ 104,000 | $ 69,000 |
| Scott County Illinois | 16 | $ 1,219,000 | $ 76,000 | $ 82,000 |
| Greene County Arkansas | 15 | $ 1,340,000 | $ 89,000 | $ 54,000 |
| Vermilion County Illinois | 15 | $ 1,411,000 | $ 94,000 | $ 60,000 |
| Owen County Indiana | 15 | $ 1,273,000 | $ 84,000 | $ 52,000 |
| Miller County Missouri | 15 | $ 1,588,000 | $ 105,000 | $ 65,000 |
| Monroe County Missouri | 15 | $ 1,680,000 | $ 112,000 | $ 68,000 |
| Carroll County Illinois | 14 | $ 1,110,000 | $ 79,000 | $ 82,000 |
| Moultrie County Illinois | 14 | $ 1,055,000 | $ 75,000 | $ 49,000 |
| Lewis County Missouri | 14 | $ 1,826,000 | $ 130,000 | $ 53,000 |
| Logan County Illinois | 12 | $ 1,658,000 | $ 138,000 | $ 147,000 |
| Montgomery County Illinois | 12 | $ 1,511,000 | $ 125,000 | $ 83,000 |
| Peoria County Illinois | 12 | $ 1,500,000 | $ 125,000 | $ 89,000 |
| Warren County Illinois | 11 | $ 1,305,000 | $ 118,000 | $ 95,000 |
| Adair County Missouri | 11 | $ 1,019,000 | $ 92,000 | $ 61,000 |
| Laclede County Missouri | 11 | $ 941,000 | $ 85,000 | $ 61,000 |
| Bond County Illinois | 10 | $ 1,042,000 | $ 104,000 | $ 62,000 |
| Perry County Illinois | 10 | $ 1,224,000 | $ 122,000 | $ 73,000 |
| Wayne County Illinois | 10 | $ 1,123,000 | $ 112,000 | $ 98,000 |
| Tippecanoe County Indiana | 10 | $ 1,019,000 | $ 101,000 | $ 76,000 |
| Morgan County Illinois | 9 | $ 676,000 | $ 75,000 | $ 66,000 |
| Cooper County Missouri | 9 | $ 1,151,000 | $ 127,000 | $ 73,000 |
| DeKalb County Missouri | 9 | $ 1,392,000 | $ 154,000 | $ 136,000 |
| Shelby County Illinois | 8 | $ 1,049,000 | $ 131,000 | $ 60,000 |
| Greene County Indiana | 8 | $ 778,000 | $ 97,000 | $ 48,000 |
| Camden County Missouri | 8 | $ 873,000 | $ 109,000 | $ 95,000 |
| Cook County Illinois | 7 | $ 2,092,000 | $ 298,000 | $ 146,000 |
| Fulton County Illinois | 7 | $ 426,000 | $ 60,000 | $ 47,000 |
| Holt County Missouri | 7 | $ 1,026,000 | $ 146,000 | $ 78,000 |
| Johnson County Illinois | 6 | $ 652,000 | $ 108,000 | $ 72,000 |
| Macon County Illinois | 6 | $ 599,000 | $ 99,000 | $ 126,000 |
| Benton County Indiana | 6 | $ 665,000 | $ 110,000 | $ 55,000 |
| Daviess County Indiana | 6 | $ 902,000 | $ 150,000 | $ 48,000 |
| Brown County Illinois | 5 | $ 677,000 | $ 135,000 | $ 75,000 |
| Crawford County Illinois | 5 | $ 316,000 | $ 63,000 | $ 34,000 |
| Livingston County Illinois | 5 | $ 464,000 | $ 92,000 | $ 57,000 |
| Vanderburgh County Indiana | 5 | $ 686,000 | $ 137,000 | $ 55,000 |
| Gentry County Missouri | 5 | $ 715,000 | $ 143,000 | $ 71,000 |
| Platte County Missouri | 5 | $ 1,619,000 | $ 323,000 | $ 147,000 |
| St. Louis County Missouri | 5 | $ 708,000 | $ 141,000 | $ 110,000 |
| Iroquois County Illinois | 4 | $ 262,000 | $ 65,000 | $ 56,000 |
| Lee County Illinois | 4 | $ 695,000 | $ 173,000 | $ 72,000 |
| McLean County Illinois | 4 | $ 525,000 | $ 131,000 | $ 74,000 |
| Piatt County Illinois | 4 | $ 204,000 | $ 51,000 | $ 68,000 |
| Stephenson County Illinois | 4 | $ 388,000 | $ 97,000 | $ 71,000 |
| Union County Illinois | 4 | $ 292,000 | $ 73,000 | $ 48,000 |
| Whiteside County Illinois | 4 | $ 335,000 | $ 83,000 | $ 34,000 |
| Starke County Indiana | 4 | $ 599,000 | $ 149,000 | $ 79,000 |
| Marion County Missouri | 4 | $ 308,000 | $ 77,000 | $ 56,000 |
| Phelps County Missouri | 4 | $ 502,000 | $ 125,000 | $ 51,000 |
| Calhoun County Illinois | 3 | $ 91,000 | $ 30,000 | $ 69,000 |
| Cass County Illinois | 3 | $ 672,000 | $ 224,000 | $ 130,000 |
| Clinton County Illinois | 3 | $ 360,000 | $ 120,000 | $ 161,000 |
| Cumberland County Illinois | 3 | $ 302,000 | $ 100,000 | $ 51,000 |
| Henry County Illinois | 3 | $ 309,000 | $ 103,000 | $ 51,000 |
| Putnam County Illinois | 3 | $ 267,000 | $ 89,000 | $ 49,000 |
| Jackson County Indiana | 3 | $ 434,000 | $ 144,000 | $ 78,000 |
| Monroe County Indiana | 3 | $ 336,000 | $ 112,000 | $ 51,000 |
| Lee County Iowa | 3 | $ 139,000 | $ 46,000 | $ 38,000 |
| Doniphan County Kansas | 3 | $ 474,000 | $ 158,000 | $ 104,000 |
| Boone County Missouri | 3 | $ 986,000 | $ 328,000 | $ 83,000 |
| Dunklin County Missouri | 3 | $ 603,000 | $ 201,000 | $ 151,000 |
| Scotland County Missouri | 3 | $ 276,000 | $ 92,000 | $ 108,000 |
| St. Lucie County Florida | 2 | $ 385,000 | $ 192,000 | $ 137,000 |
| Clark County Illinois | 2 | $ 112,000 | $ 56,000 | $ 24,000 |
| Henderson County Illinois | 2 | $ 145,000 | $ 72,000 | $ 59,000 |
| Jefferson County Illinois | 2 | $ 308,000 | $ 154,000 | $ 156,000 |
| LaSalle County Illinois | 2 | $ 172,000 | $ 86,000 | $ 45,000 |
| Monroe County Illinois | 2 | $ 331,000 | $ 165,000 | $ 106,000 |
| Tazewell County Illinois | 2 | $ 385,000 | $ 192,000 | $ 158,000 |
| LaPorte County Indiana | 2 | $ 306,000 | $ 153,000 | $ 136,000 |
| Warren County Indiana | 2 | $ 118,000 | $ 59,000 | $ 44,000 |
| White County Indiana | 2 | $ 271,000 | $ 135,000 | $ 82,000 |
| Clinton County Iowa | 2 | $ 127,000 | $ 63,000 | $ 51,000 |
| Atchison County Missouri | 2 | $ 381,000 | $ 190,000 | $ 73,000 |
| Cape Girardeau County Missouri | 2 | $ 186,000 | $ 93,000 | $ 42,000 |
| Clark County Missouri | 2 | $ 228,000 | $ 114,000 | $ 52,000 |
| Clay County Missouri | 2 | $ 322,000 | $ 161,000 | $ 73,000 |
| Knox County Missouri | 2 | $ 461,000 | $ 230,000 | $ 108,000 |
| Linn County Missouri | 2 | $ 136,000 | $ 68,000 | $ 168,000 |
| Macon County Missouri | 2 | $ 192,000 | $ 96,000 | $ 96,000 |
| St. Charles County Missouri | 2 | $ 183,000 | $ 91,000 | $ 140,000 |
| St. Francois County Missouri | 2 | $ 186,000 | $ 93,000 | $ 31,000 |
| Clay County Arkansas | 1 | $ 90,000 | $ 90,000 | $ 68,000 |
| Craighead County Arkansas | 1 | $ 72,000 | $ 72,000 | $ 31,000 |
| Lawrence County Arkansas | 1 | $ 77,000 | $ 77,000 | $ 64,000 |
| Mississippi County Arkansas | 1 | $ 56,000 | $ 56,000 | $ 56,000 |
| Poinsett County Arkansas | 1 | $ 50,000 | $ 50,000 | $ 87,000 |
| Denver County Colorado | 1 | $ 409,000 | $ 409,000 | $ 96,000 |
| Weld County Colorado | 1 | $ 175,000 | $ 175,000 | $ 48,000 |
| Clay County Illinois | 1 | $ 105,000 | $ 105,000 | $ 85,000 |
| De Witt County Illinois | 1 | $ 25,000 | $ 25,000 | $ 109,000 |
| Edgar County Illinois | 1 | $ 46,000 | $ 46,000 | $ 27,000 |
| Kankakee County Illinois | 1 | $ 55,000 | $ 55,000 | $ 57,000 |
| Lawrence County Illinois | 1 | $ 46,000 | $ 46,000 | $ 35,000 |
| Marion County Illinois | 1 | $ 115,000 | $ 115,000 | $ 81,000 |
| Mason County Illinois | 1 | $ 13,000 | $ 13,000 | $ 34,000 |
| Massac County Illinois | 1 | $ 207,000 | $ 207,000 | $ 142,000 |
| Mercer County Illinois | 1 | $ 170,000 | $ 170,000 | $ 97,000 |
| Ogle County Illinois | 1 | $ 45,000 | $ 45,000 | $ 93,000 |
| Washington County Illinois | 1 | $ 98,000 | $ 98,000 | $ 53,000 |
| Will County Illinois | 1 | $ 400,000 | $ 400,000 | $ 121,000 |
| Carroll County Indiana | 1 | $ 100,000 | $ 100,000 | $ 112,000 |
| Fountain County Indiana | 1 | $ 130,000 | $ 130,000 | $ 40,000 |
| Marshall County Indiana | 1 | $ 280,000 | $ 280,000 | $ 462,000 |
| Sullivan County Indiana | 1 | $ 193,000 | $ 193,000 | $ 87,000 |
| Vermillion County Indiana | 1 | $ 68,000 | $ 68,000 | $ 66,000 |
| Warrick County Indiana | 1 | $ 200,000 | $ 200,000 | $ 58,000 |
| Audrain County Missouri | 1 | $ 112,000 | $ 112,000 | $ 34,000 |
| Clinton County Missouri | 1 | $ 162,000 | $ 162,000 | $ 113,000 |
| Dallas County Missouri | 1 | $ 66,000 | $ 66,000 | $ 138,000 |
| Dent County Missouri | 1 | $ 101,000 | $ 101,000 | $ 114,000 |
| Franklin County Missouri | 1 | $ 106,000 | $ 106,000 | $ 59,000 |
| Howard County Missouri | 1 | $ 34,000 | $ 34,000 | $ 24,000 |
| Lawrence County Missouri | 1 | $ 217,000 | $ 217,000 | $ 115,000 |
| Lincoln County Missouri | 1 | $ 305,000 | $ 305,000 | $ 150,000 |
| Morgan County Missouri | 1 | $ 160,000 | $ 160,000 | $ 139,000 |
| Randolph County Missouri | 1 | $ 256,000 | $ 256,000 | $ 109,000 |
| Ray County Missouri | 1 | $ 142,000 | $ 142,000 | $ 79,000 |
| Shelby County Missouri | 1 | $ 146,000 | $ 146,000 | $ 67,000 |
| St. Louis City County Missouri | 1 | $ 130,000 | $ 130,000 | $ 74,000 |
| Texas County Missouri | 1 | $ 108,000 | $ 108,000 | $ 59,000 |
| Warren County Missouri | 1 | $ 140,000 | $ 140,000 | $ 66,000 |
| Washington County Missouri | 1 | $ 70,000 | $ 70,000 | $ 26,000 |
| Davidson County Tennessee | 1 | $ 57,000 | $ 57,000 | $ 106,000 |
| Rutherford County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 126,000 |
| Rock County Wisconsin | 1 | $ 77,000 | $ 77,000 | $ 187,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2013
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 | 1,437 | $167,866,000 | $116,000 | $1,031,000 | $82,000 | $752,000 |
| Home Purchase | 996 | $115,269,000 | $115,000 | $990,000 | $77,000 | $1,367,000 |
| Home Improvement | 314 | $21,243,000 | $67,000 | $555,000 | $86,000 | $1,200,000 |
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 | 2,650 | $293,273,000 | $110,000 | $1,031,000 | $80,000 | $1,200,000 |
| Not Provided | 33 | $3,423,000 | $103,000 | $404,000 | $83,000 | $199,000 |
| Hispanic | 16 | $1,665,000 | $104,000 | $350,000 | $58,000 | $153,000 |
| Not applicable | 15 | $1,411,000 | $94,000 | $244,000 | $0 | $0 |
| Asian | 11 | $2,155,000 | $195,000 | $417,000 | $240,000 | $1,367,000 |
| Black or African American | 11 | $1,202,000 | $109,000 | $238,000 | $63,000 | $132,000 |
| American Indian or Alaskan Native | 8 | $1,071,000 | $133,000 | $206,000 | $119,000 | $508,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $178,000 | $59,000 | $86,000 | $90,000 | $210,000 |
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) | 2,566 | $289,346,000 | $112,000 | $1,031,000 | $83,000 | $1,367,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 178 | $14,616,000 | $82,000 | $168,000 | $42,000 | $345,000 |
| FHA-insured (Federal Housing Administration) | 3 | $416,000 | $138,000 | $271,000 | $52,000 | $93,000 |
| 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 | 1,923 | $212,692,000 | $110,000 | $1,031,000 | $86,000 | $1,367,000 |
| Application Denied By Financial Institution | 416 | $41,026,000 | $98,000 | $700,000 | $58,000 | $462,000 |
| Application Approved But Not Accepted | 226 | $27,921,000 | $123,000 | $417,000 | $76,000 | $347,000 |
| Application Withdrawn By Applicant | 126 | $15,965,000 | $126,000 | $417,000 | $78,000 | $223,000 |
| File Closed For Incompleteness | 47 | $5,663,000 | $120,000 | $295,000 | $87,000 | $305,000 |
| Loan Purchased By The Institution | 9 | $1,111,000 | $123,000 | $238,000 | $71,000 | $91,000 |
| 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 |
|---|---|---|---|---|---|---|
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit History | 0 | $0 | $0 | $0 | $0 | $0 |
| Debt-To-Income Ratio | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 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 2013 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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