United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2014
United Community Bank 2014 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 | 1,772 |
| Total Mortgage Loan Application Amount | $183,776,000 |
| Average Mortgage Loan Application Amount | $88,000 |
| Highest Mortgage Loan Application Amount | $466,000 |
| Average Applicant Income | $80,333 |
| Highest Applicant Income | $942,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2014 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 2014 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 2014.
| 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 | 474 | $ 51,626,000 | $ 108,000 | $ 99,000 |
| Macoupin County Illinois | 224 | $ 15,889,000 | $ 70,000 | $ 63,000 |
| Madison County Illinois | 73 | $ 8,564,000 | $ 117,000 | $ 85,000 |
| Knox County Illinois | 68 | $ 5,787,000 | $ 85,000 | $ 63,000 |
| Buchanan County Missouri | 67 | $ 7,953,000 | $ 118,000 | $ 86,000 |
| McDonough County Illinois | 61 | $ 4,314,000 | $ 70,000 | $ 70,000 |
| Greene County Illinois | 43 | $ 2,157,000 | $ 50,000 | $ 107,000 |
| Randolph County Illinois | 38 | $ 3,775,000 | $ 99,000 | $ 78,000 |
| Pike County Illinois | 36 | $ 2,632,000 | $ 73,000 | $ 65,000 |
| Jasper County Indiana | 35 | $ 5,507,000 | $ 157,000 | $ 110,000 |
| Lake County Indiana | 33 | $ 5,748,000 | $ 174,000 | $ 100,000 |
| Hancock County Illinois | 28 | $ 2,683,000 | $ 95,000 | $ 63,000 |
| Jackson County Illinois | 24 | $ 2,393,000 | $ 99,000 | $ 66,000 |
| Champaign County Illinois | 22 | $ 2,574,000 | $ 117,000 | $ 78,000 |
| Christian County Illinois | 22 | $ 1,622,000 | $ 73,000 | $ 58,000 |
| Brown County Illinois | 21 | $ 1,836,000 | $ 87,000 | $ 53,000 |
| Andrew County Missouri | 21 | $ 3,759,000 | $ 179,000 | $ 92,000 |
| Morgan County Illinois | 19 | $ 2,099,000 | $ 110,000 | $ 75,000 |
| Carroll County Illinois | 18 | $ 1,513,000 | $ 84,000 | $ 54,000 |
| Bureau County Illinois | 17 | $ 1,737,000 | $ 102,000 | $ 45,000 |
| Fulton County Illinois | 17 | $ 1,695,000 | $ 99,000 | $ 61,000 |
| Jersey County Illinois | 17 | $ 2,067,000 | $ 121,000 | $ 105,000 |
| Coles County Illinois | 16 | $ 1,644,000 | $ 102,000 | $ 68,000 |
| St. Clair County Illinois | 16 | $ 1,876,000 | $ 117,000 | $ 64,000 |
| Newton County Indiana | 15 | $ 2,303,000 | $ 153,000 | $ 74,000 |
| Adams County Illinois | 14 | $ 1,648,000 | $ 117,000 | $ 53,000 |
| Menard County Illinois | 13 | $ 1,517,000 | $ 116,000 | $ 81,000 |
| Ford County Illinois | 11 | $ 1,379,000 | $ 125,000 | $ 59,000 |
| Franklin County Illinois | 11 | $ 1,055,000 | $ 95,000 | $ 75,000 |
| Lewis County Missouri | 11 | $ 723,000 | $ 65,000 | $ 48,000 |
| Nodaway County Missouri | 11 | $ 1,735,000 | $ 157,000 | $ 95,000 |
| Douglas County Illinois | 10 | $ 647,000 | $ 64,000 | $ 40,000 |
| Perry County Illinois | 10 | $ 1,174,000 | $ 117,000 | $ 76,000 |
| Laclede County Missouri | 10 | $ 948,000 | $ 94,000 | $ 74,000 |
| Pulaski County Missouri | 10 | $ 1,335,000 | $ 133,000 | $ 78,000 |
| Montgomery County Illinois | 9 | $ 553,000 | $ 61,000 | $ 40,000 |
| Moultrie County Illinois | 9 | $ 834,000 | $ 92,000 | $ 66,000 |
| Peoria County Illinois | 9 | $ 1,019,000 | $ 113,000 | $ 57,000 |
| Crawford County Illinois | 8 | $ 613,000 | $ 76,000 | $ 59,000 |
| Effingham County Illinois | 8 | $ 1,459,000 | $ 182,000 | $ 87,000 |
| Ogle County Illinois | 8 | $ 801,000 | $ 100,000 | $ 50,000 |
| Scott County Illinois | 7 | $ 431,000 | $ 61,000 | $ 59,000 |
| Vermilion County Illinois | 7 | $ 533,000 | $ 76,000 | $ 92,000 |
| Warren County Illinois | 7 | $ 712,000 | $ 101,000 | $ 73,000 |
| Williamson County Illinois | 7 | $ 1,012,000 | $ 144,000 | $ 105,000 |
| Daviess County Indiana | 6 | $ 1,044,000 | $ 174,000 | $ 70,000 |
| Owen County Indiana | 6 | $ 554,000 | $ 92,000 | $ 46,000 |
| Porter County Indiana | 6 | $ 1,043,000 | $ 173,000 | $ 63,000 |
| Logan County Illinois | 5 | $ 327,000 | $ 65,000 | $ 107,000 |
| Camden County Missouri | 5 | $ 693,000 | $ 138,000 | $ 96,000 |
| Miller County Missouri | 5 | $ 554,000 | $ 110,000 | $ 51,000 |
| Henry County Illinois | 4 | $ 500,000 | $ 125,000 | $ 50,000 |
| Macon County Illinois | 4 | $ 282,000 | $ 70,000 | $ 55,000 |
| Monroe County Illinois | 4 | $ 734,000 | $ 183,000 | $ 151,000 |
| Piatt County Illinois | 4 | $ 267,000 | $ 66,000 | $ 42,000 |
| Schuyler County Illinois | 4 | $ 351,000 | $ 87,000 | $ 49,000 |
| Lee County Iowa | 4 | $ 243,000 | $ 60,000 | $ 53,000 |
| Holt County Missouri | 4 | $ 613,000 | $ 153,000 | $ 79,000 |
| Jefferson County Illinois | 3 | $ 445,000 | $ 148,000 | $ 139,000 |
| McLean County Illinois | 3 | $ 382,000 | $ 127,000 | $ 113,000 |
| Whiteside County Illinois | 3 | $ 210,000 | $ 70,000 | $ 33,000 |
| LaPorte County Indiana | 3 | $ 401,000 | $ 133,000 | $ 50,000 |
| Starke County Indiana | 3 | $ 367,000 | $ 122,000 | $ 51,000 |
| Clinton County Iowa | 3 | $ 198,000 | $ 66,000 | $ 60,000 |
| Clinton County Missouri | 3 | $ 509,000 | $ 169,000 | $ 95,000 |
| Johnson County Missouri | 3 | $ 334,000 | $ 111,000 | $ 45,000 |
| Marion County Missouri | 3 | $ 273,000 | $ 91,000 | $ 56,000 |
| Manatee County Florida | 2 | $ 324,000 | $ 162,000 | $ 106,000 |
| Calhoun County Illinois | 2 | $ 460,000 | $ 230,000 | $ 71,000 |
| Cass County Illinois | 2 | $ 196,000 | $ 98,000 | $ 167,000 |
| De Witt County Illinois | 2 | $ 328,000 | $ 164,000 | $ 91,000 |
| DuPage County Illinois | 2 | $ 271,000 | $ 135,000 | $ 252,000 |
| Iroquois County Illinois | 2 | $ 180,000 | $ 90,000 | $ 105,000 |
| Jo Daviess County Illinois | 2 | $ 198,000 | $ 99,000 | $ 244,000 |
| LaSalle County Illinois | 2 | $ 115,000 | $ 57,000 | $ 25,000 |
| Lawrence County Illinois | 2 | $ 90,000 | $ 45,000 | $ 31,000 |
| Greene County Indiana | 2 | $ 295,000 | $ 147,000 | $ 98,000 |
| Doniphan County Kansas | 2 | $ 227,000 | $ 113,000 | $ 59,000 |
| Adair County Missouri | 2 | $ 284,000 | $ 142,000 | $ 54,000 |
| Platte County Missouri | 2 | $ 560,000 | $ 280,000 | $ 68,000 |
| Ralls County Missouri | 2 | $ 213,000 | $ 106,000 | $ 128,000 |
| St. Louis County Missouri | 2 | $ 683,000 | $ 341,000 | $ 151,000 |
| Baldwin County Alabama | 1 | $ 80,000 | $ 80,000 | $ 61,000 |
| Poinsett County Arkansas | 1 | $ 128,000 | $ 128,000 | $ 46,000 |
| Lee County Florida | 1 | $ 143,000 | $ 143,000 | $ 97,000 |
| Bond County Illinois | 1 | $ 78,000 | $ 78,000 | $ 50,000 |
| Cook County Illinois | 1 | $ 466,000 | $ 466,000 | $ 286,000 |
| Edgar County Illinois | 1 | $ 132,000 | $ 132,000 | $ 52,000 |
| Grundy County Illinois | 1 | $ 22,000 | $ 22,000 | $ 216,000 |
| Henderson County Illinois | 1 | $ 160,000 | $ 160,000 | $ 170,000 |
| Johnson County Illinois | 1 | $ 142,000 | $ 142,000 | $ 53,000 |
| Kankakee County Illinois | 1 | $ 28,000 | $ 28,000 | $ 47,000 |
| Marshall County Illinois | 1 | $ 127,000 | $ 127,000 | $ 91,000 |
| McHenry County Illinois | 1 | $ 124,000 | $ 124,000 | $ 98,000 |
| Pulaski County Illinois | 1 | $ 65,000 | $ 65,000 | $ 72,000 |
| Rock Island County Illinois | 1 | $ 92,000 | $ 92,000 | $ 50,000 |
| Shelby County Illinois | 1 | $ 46,000 | $ 46,000 | $ 50,000 |
| Tazewell County Illinois | 1 | $ 158,000 | $ 158,000 | $ 82,000 |
| Union County Illinois | 1 | $ 138,000 | $ 138,000 | $ 103,000 |
| Washington County Illinois | 1 | $ 256,000 | $ 256,000 | $ 183,000 |
| Wayne County Illinois | 1 | $ 125,000 | $ 125,000 | $ 125,000 |
| Winnebago County Illinois | 1 | $ 42,000 | $ 42,000 | $ 129,000 |
| Woodford County Illinois | 1 | $ 105,000 | $ 105,000 | $ 97,000 |
| Hendricks County Indiana | 1 | $ 82,000 | $ 82,000 | $ 83,000 |
| Brown County Kansas | 1 | $ 76,000 | $ 76,000 | $ 159,000 |
| Johnson County Kansas | 1 | $ 379,000 | $ 379,000 | $ 390,000 |
| Atchison County Missouri | 1 | $ 117,000 | $ 117,000 | $ 96,000 |
| Clay County Missouri | 1 | $ 117,000 | $ 117,000 | $ 50,000 |
| Cooper County Missouri | 1 | $ 48,000 | $ 48,000 | $ 26,000 |
| Daviess County Missouri | 1 | $ 120,000 | $ 120,000 | $ 105,000 |
| DeKalb County Missouri | 1 | $ 41,000 | $ 41,000 | $ 35,000 |
| Knox County Missouri | 1 | $ 205,000 | $ 205,000 | $ 36,000 |
| Lincoln County Missouri | 1 | $ 327,000 | $ 327,000 | $ 0 |
| Morgan County Missouri | 1 | $ 184,000 | $ 184,000 | $ 48,000 |
| St. Charles County Missouri | 1 | $ 184,000 | $ 184,000 | $ 75,000 |
| St. Louis City County Missouri | 1 | $ 65,000 | $ 65,000 | $ 85,000 |
| Stone County Missouri | 1 | $ 90,000 | $ 90,000 | $ 108,000 |
| Warren County Missouri | 1 | $ 150,000 | $ 150,000 | $ 108,000 |
| Beaufort County South Carolina | 1 | $ 108,000 | $ 108,000 | $ 0 |
| Bayfield County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 98,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2014
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 |
|---|---|---|---|---|---|---|
| Home Purchase | 891 | $104,715,000 | $117,000 | $466,000 | $82,000 | $942,000 |
| Refinancing | 637 | $69,394,000 | $108,000 | $417,000 | $81,000 | $920,000 |
| Home Improvement | 244 | $9,667,000 | $39,000 | $212,000 | $78,000 | $443,000 |
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 | 1,707 | $177,659,000 | $104,000 | $466,000 | $82,000 | $942,000 |
| Not applicable | 18 | $1,300,000 | $72,000 | $248,000 | $0 | $0 |
| Hispanic | 17 | $2,056,000 | $120,000 | $310,000 | $54,000 | $178,000 |
| Black or African American | 13 | $1,306,000 | $100,000 | $248,000 | $80,000 | $189,000 |
| Asian | 8 | $650,000 | $81,000 | $160,000 | $56,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 4 | $426,000 | $106,000 | $149,000 | $130,000 | $340,000 |
| Not Provided | 3 | $247,000 | $82,000 | $148,000 | $58,000 | $87,000 |
| American Indian or Alaskan Native | 2 | $132,000 | $66,000 | $86,000 | $27,000 | $35,000 |
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) | 1,601 | $168,431,000 | $105,000 | $466,000 | $84,000 | $942,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 146 | $12,251,000 | $83,000 | $276,000 | $44,000 | $87,000 |
| VA-guaranteed (Veterans Administration) | 21 | $2,885,000 | $137,000 | $250,000 | $67,000 | $131,000 |
| FHA-insured (Federal Housing Administration) | 4 | $209,000 | $52,000 | $85,000 | $42,000 | $89,000 |
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 | 1,309 | $135,574,000 | $103,000 | $466,000 | $87,000 | $942,000 |
| Application Denied By Financial Institution | 219 | $19,596,000 | $89,000 | $417,000 | $52,000 | $218,000 |
| Application Approved But Not Accepted | 131 | $16,175,000 | $123,000 | $417,000 | $75,000 | $555,000 |
| Application Withdrawn By Applicant | 100 | $10,527,000 | $105,000 | $400,000 | $73,000 | $543,000 |
| File Closed For Incompleteness | 9 | $1,201,000 | $133,000 | $340,000 | $67,000 | $182,000 |
| Loan Purchased By The Institution | 4 | $703,000 | $175,000 | $300,000 | $110,000 | $240,000 |
| 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 2014 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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