United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2015
United Community Bank 2015 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 | 2,212 |
| Total Mortgage Loan Application Amount | $252,943,000 |
| Average Mortgage Loan Application Amount | $100,000 |
| Highest Mortgage Loan Application Amount | $800,000 |
| Average Applicant Income | $82,000 |
| Highest Applicant Income | $1,700,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2015 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 2015 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 2015.
| 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 | 561 | $ 64,758,000 | $ 115,000 | $ 92,000 |
| Macoupin County Illinois | 220 | $ 19,111,000 | $ 86,000 | $ 65,000 |
| McDonough County Illinois | 86 | $ 7,656,000 | $ 89,000 | $ 73,000 |
| Madison County Illinois | 75 | $ 9,242,000 | $ 123,000 | $ 98,000 |
| Buchanan County Missouri | 71 | $ 8,862,000 | $ 124,000 | $ 68,000 |
| Knox County Illinois | 53 | $ 5,038,000 | $ 95,000 | $ 62,000 |
| Lake County Indiana | 52 | $ 9,806,000 | $ 188,000 | $ 99,000 |
| Greene County Illinois | 48 | $ 3,586,000 | $ 74,000 | $ 72,000 |
| Pike County Illinois | 46 | $ 3,541,000 | $ 76,000 | $ 70,000 |
| Champaign County Illinois | 42 | $ 5,777,000 | $ 137,000 | $ 76,000 |
| Randolph County Illinois | 42 | $ 4,909,000 | $ 116,000 | $ 74,000 |
| Hancock County Illinois | 41 | $ 3,672,000 | $ 89,000 | $ 67,000 |
| Adams County Illinois | 37 | $ 4,219,000 | $ 114,000 | $ 76,000 |
| Jackson County Illinois | 31 | $ 3,858,000 | $ 124,000 | $ 91,000 |
| Jasper County Indiana | 29 | $ 4,445,000 | $ 153,000 | $ 81,000 |
| Andrew County Missouri | 29 | $ 5,516,000 | $ 190,000 | $ 133,000 |
| Williamson County Illinois | 27 | $ 3,422,000 | $ 126,000 | $ 80,000 |
| Bureau County Illinois | 26 | $ 2,481,000 | $ 95,000 | $ 50,000 |
| Christian County Illinois | 24 | $ 1,758,000 | $ 73,000 | $ 66,000 |
| Franklin County Illinois | 24 | $ 2,225,000 | $ 92,000 | $ 70,000 |
| Morgan County Illinois | 22 | $ 2,303,000 | $ 104,000 | $ 84,000 |
| Johnson County Missouri | 22 | $ 3,346,000 | $ 152,000 | $ 80,000 |
| Nodaway County Missouri | 22 | $ 3,531,000 | $ 160,000 | $ 90,000 |
| Moultrie County Illinois | 20 | $ 1,705,000 | $ 85,000 | $ 45,000 |
| Ogle County Illinois | 20 | $ 2,445,000 | $ 122,000 | $ 63,000 |
| Newton County Indiana | 19 | $ 2,326,000 | $ 122,000 | $ 66,000 |
| Porter County Indiana | 19 | $ 2,961,000 | $ 155,000 | $ 85,000 |
| Brown County Illinois | 18 | $ 1,569,000 | $ 87,000 | $ 47,000 |
| Jersey County Illinois | 18 | $ 1,887,000 | $ 104,000 | $ 89,000 |
| Perry County Illinois | 18 | $ 2,332,000 | $ 129,000 | $ 76,000 |
| Effingham County Illinois | 16 | $ 2,400,000 | $ 150,000 | $ 74,000 |
| Ford County Illinois | 16 | $ 1,767,000 | $ 110,000 | $ 76,000 |
| Pulaski County Missouri | 16 | $ 2,181,000 | $ 136,000 | $ 103,000 |
| Douglas County Illinois | 15 | $ 1,313,000 | $ 87,000 | $ 53,000 |
| Carroll County Illinois | 14 | $ 1,072,000 | $ 76,000 | $ 66,000 |
| Coles County Illinois | 14 | $ 1,366,000 | $ 97,000 | $ 61,000 |
| Peoria County Illinois | 12 | $ 1,199,000 | $ 99,000 | $ 107,000 |
| Warren County Illinois | 11 | $ 1,035,000 | $ 94,000 | $ 84,000 |
| Lewis County Missouri | 10 | $ 1,236,000 | $ 123,000 | $ 70,000 |
| Fulton County Illinois | 9 | $ 760,000 | $ 84,000 | $ 55,000 |
| Henry County Illinois | 9 | $ 1,081,000 | $ 120,000 | $ 76,000 |
| Menard County Illinois | 9 | $ 1,318,000 | $ 146,000 | $ 113,000 |
| Montgomery County Illinois | 9 | $ 563,000 | $ 62,000 | $ 79,000 |
| Jackson County Missouri | 9 | $ 1,554,000 | $ 172,000 | $ 90,000 |
| Laclede County Missouri | 9 | $ 898,000 | $ 99,000 | $ 51,000 |
| Monroe County Missouri | 9 | $ 840,000 | $ 93,000 | $ 49,000 |
| Macon County Illinois | 8 | $ 1,100,000 | $ 137,000 | $ 74,000 |
| Scott County Illinois | 8 | $ 617,000 | $ 77,000 | $ 48,000 |
| St. Clair County Illinois | 8 | $ 1,366,000 | $ 170,000 | $ 128,000 |
| Starke County Indiana | 8 | $ 923,000 | $ 115,000 | $ 59,000 |
| Iroquois County Illinois | 7 | $ 455,000 | $ 65,000 | $ 64,000 |
| McLean County Illinois | 7 | $ 769,000 | $ 109,000 | $ 72,000 |
| Carroll County Missouri | 7 | $ 825,000 | $ 117,000 | $ 60,000 |
| Knox County Missouri | 7 | $ 670,000 | $ 95,000 | $ 57,000 |
| St. Louis County Missouri | 7 | $ 1,734,000 | $ 247,000 | $ 204,000 |
| Vermilion County Illinois | 6 | $ 409,000 | $ 68,000 | $ 90,000 |
| Lee County Iowa | 6 | $ 487,000 | $ 81,000 | $ 60,000 |
| Camden County Missouri | 6 | $ 677,000 | $ 112,000 | $ 134,000 |
| Schuyler County Illinois | 5 | $ 394,000 | $ 78,000 | $ 74,000 |
| Stephenson County Illinois | 5 | $ 447,000 | $ 89,000 | $ 61,000 |
| Miller County Missouri | 5 | $ 715,000 | $ 143,000 | $ 54,000 |
| Crawford County Illinois | 4 | $ 262,000 | $ 65,000 | $ 42,000 |
| DeKalb County Illinois | 4 | $ 435,000 | $ 108,000 | $ 109,000 |
| Tazewell County Illinois | 4 | $ 353,000 | $ 88,000 | $ 69,000 |
| Daviess County Indiana | 4 | $ 536,000 | $ 134,000 | $ 98,000 |
| Clinton County Iowa | 4 | $ 271,000 | $ 67,000 | $ 56,000 |
| Clay County Missouri | 4 | $ 608,000 | $ 152,000 | $ 61,000 |
| Cooper County Missouri | 4 | $ 345,000 | $ 86,000 | $ 29,000 |
| Randolph County Missouri | 4 | $ 433,000 | $ 108,000 | $ 53,000 |
| Fayette County Illinois | 3 | $ 247,000 | $ 82,000 | $ 35,000 |
| Rock Island County Illinois | 3 | $ 339,000 | $ 113,000 | $ 52,000 |
| Winnebago County Illinois | 3 | $ 112,000 | $ 37,000 | $ 74,000 |
| Boone County Missouri | 3 | $ 304,000 | $ 101,000 | $ 96,000 |
| Cass County Missouri | 3 | $ 451,000 | $ 150,000 | $ 68,000 |
| Clinton County Missouri | 3 | $ 289,000 | $ 96,000 | $ 56,000 |
| DeKalb County Missouri | 3 | $ 484,000 | $ 161,000 | $ 75,000 |
| Gentry County Missouri | 3 | $ 651,000 | $ 217,000 | $ 127,000 |
| Holt County Missouri | 3 | $ 351,000 | $ 117,000 | $ 84,000 |
| Maries County Missouri | 3 | $ 420,000 | $ 140,000 | $ 80,000 |
| Platte County Missouri | 3 | $ 789,000 | $ 263,000 | $ 125,000 |
| Shelby County Missouri | 3 | $ 283,000 | $ 94,000 | $ 40,000 |
| St. Charles County Missouri | 3 | $ 355,000 | $ 118,000 | $ 109,000 |
| Clay County Illinois | 2 | $ 141,000 | $ 70,000 | $ 52,000 |
| Cook County Illinois | 2 | $ 1,073,000 | $ 536,000 | $ 198,000 |
| De Witt County Illinois | 2 | $ 146,000 | $ 73,000 | $ 52,000 |
| Hardin County Illinois | 2 | $ 32,000 | $ 16,000 | $ 26,000 |
| Putnam County Illinois | 2 | $ 140,000 | $ 70,000 | $ 108,000 |
| Shelby County Illinois | 2 | $ 400,000 | $ 200,000 | $ 46,000 |
| Washington County Illinois | 2 | $ 152,000 | $ 76,000 | $ 67,000 |
| Whiteside County Illinois | 2 | $ 242,000 | $ 121,000 | $ 55,000 |
| LaPorte County Indiana | 2 | $ 430,000 | $ 215,000 | $ 171,000 |
| Vanderburgh County Indiana | 2 | $ 239,000 | $ 119,000 | $ 68,000 |
| White County Indiana | 2 | $ 266,000 | $ 133,000 | $ 60,000 |
| Doniphan County Kansas | 2 | $ 316,000 | $ 158,000 | $ 90,000 |
| Johnson County Kansas | 2 | $ 508,000 | $ 254,000 | $ 93,000 |
| Clark County Missouri | 2 | $ 247,000 | $ 123,000 | $ 115,000 |
| Daviess County Missouri | 2 | $ 310,000 | $ 155,000 | $ 66,000 |
| Livingston County Missouri | 2 | $ 395,000 | $ 197,000 | $ 67,000 |
| Marion County Missouri | 2 | $ 363,000 | $ 181,000 | $ 78,000 |
| Osage County Missouri | 2 | $ 407,000 | $ 203,000 | $ 120,000 |
| Ralls County Missouri | 2 | $ 67,000 | $ 33,000 | $ 162,000 |
| Pima County Arizona | 1 | $ 200,000 | $ 200,000 | $ 202,000 |
| Benton County Arkansas | 1 | $ 55,000 | $ 55,000 | $ 53,000 |
| Broward County Florida | 1 | $ 181,000 | $ 181,000 | $ 160,000 |
| Collier County Florida | 1 | $ 320,000 | $ 320,000 | $ 330,000 |
| Bond County Illinois | 1 | $ 93,000 | $ 93,000 | $ 75,000 |
| Calhoun County Illinois | 1 | $ 100,000 | $ 100,000 | $ 128,000 |
| Cass County Illinois | 1 | $ 286,000 | $ 286,000 | $ 151,000 |
| Clark County Illinois | 1 | $ 36,000 | $ 36,000 | $ 29,000 |
| Clinton County Illinois | 1 | $ 204,000 | $ 204,000 | $ 151,000 |
| Cumberland County Illinois | 1 | $ 86,000 | $ 86,000 | $ 39,000 |
| DuPage County Illinois | 1 | $ 80,000 | $ 80,000 | $ 67,000 |
| Edgar County Illinois | 1 | $ 6,000 | $ 6,000 | $ 106,000 |
| Henderson County Illinois | 1 | $ 80,000 | $ 80,000 | $ 59,000 |
| Jefferson County Illinois | 1 | $ 167,000 | $ 167,000 | $ 105,000 |
| Johnson County Illinois | 1 | $ 221,000 | $ 221,000 | $ 100,000 |
| Kendall County Illinois | 1 | $ 412,000 | $ 412,000 | $ 226,000 |
| LaSalle County Illinois | 1 | $ 67,000 | $ 67,000 | $ 25,000 |
| Lee County Illinois | 1 | $ 115,000 | $ 115,000 | $ 34,000 |
| Livingston County Illinois | 1 | $ 37,000 | $ 37,000 | $ 46,000 |
| Logan County Illinois | 1 | $ 83,000 | $ 83,000 | $ 64,000 |
| Mason County Illinois | 1 | $ 112,000 | $ 112,000 | $ 44,000 |
| Massac County Illinois | 1 | $ 50,000 | $ 50,000 | $ 36,000 |
| Monroe County Illinois | 1 | $ 165,000 | $ 165,000 | $ 340,000 |
| Piatt County Illinois | 1 | $ 53,000 | $ 53,000 | $ 78,000 |
| Hamilton County Indiana | 1 | $ 199,000 | $ 199,000 | $ 128,000 |
| Jackson County Indiana | 1 | $ 93,000 | $ 93,000 | $ 40,000 |
| Pulaski County Indiana | 1 | $ 185,000 | $ 185,000 | $ 66,000 |
| Tippecanoe County Indiana | 1 | $ 200,000 | $ 200,000 | $ 98,000 |
| Clarke County Iowa | 1 | $ 40,000 | $ 40,000 | $ 66,000 |
| Des Moines County Iowa | 1 | $ 41,000 | $ 41,000 | $ 440,000 |
| Jackson County Iowa | 1 | $ 72,000 | $ 72,000 | $ 75,000 |
| Madison County Iowa | 1 | $ 86,000 | $ 86,000 | $ 70,000 |
| O'Brien County Iowa | 1 | $ 300,000 | $ 300,000 | $ 162,000 |
| Adair County Missouri | 1 | $ 227,000 | $ 227,000 | $ 133,000 |
| Atchison County Missouri | 1 | $ 193,000 | $ 193,000 | $ 235,000 |
| Cape Girardeau County Missouri | 1 | $ 169,000 | $ 169,000 | $ 56,000 |
| Crawford County Missouri | 1 | $ 250,000 | $ 250,000 | $ 135,000 |
| Dallas County Missouri | 1 | $ 81,000 | $ 81,000 | $ 87,000 |
| Dent County Missouri | 1 | $ 68,000 | $ 68,000 | $ 72,000 |
| Harrison County Missouri | 1 | $ 365,000 | $ 365,000 | $ 140,000 |
| Lincoln County Missouri | 1 | $ 319,000 | $ 319,000 | $ 247,000 |
| Linn County Missouri | 1 | $ 50,000 | $ 50,000 | $ 47,000 |
| Ozark County Missouri | 1 | $ 146,000 | $ 146,000 | $ 88,000 |
| Phelps County Missouri | 1 | $ 70,000 | $ 70,000 | $ 40,000 |
| Scotland County Missouri | 1 | $ 148,000 | $ 148,000 | $ 81,000 |
| St. Louis City County Missouri | 1 | $ 72,000 | $ 72,000 | $ 75,000 |
| Stone County Missouri | 1 | $ 85,000 | $ 85,000 | $ 97,000 |
| Gallatin County Montana | 1 | $ 300,000 | $ 300,000 | $ 162,000 |
| Ravalli County Montana | 1 | $ 85,000 | $ 85,000 | $ 43,000 |
| Douglas County Nebraska | 1 | $ 112,000 | $ 112,000 | $ 0 |
| Cleveland County Oklahoma | 1 | $ 193,000 | $ 193,000 | $ 38,000 |
| Williamson County Tennessee | 1 | $ 628,000 | $ 628,000 | $ 587,000 |
| Dallas County Texas | 1 | $ 172,000 | $ 172,000 | $ 72,000 |
| Walworth County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 109,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2015
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 | 1,098 | $130,786,000 | $119,000 | $800,000 | $76,000 | $767,000 |
| Refinancing | 884 | $108,740,000 | $123,000 | $417,000 | $86,000 | $1,700,000 |
| Home Improvement | 230 | $13,417,000 | $58,000 | $417,000 | $84,000 | $396,000 |
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 | 2,126 | $243,016,000 | $114,000 | $800,000 | $81,000 | $1,700,000 |
| Hispanic | 20 | $1,682,000 | $84,000 | $250,000 | $61,000 | $131,000 |
| Not applicable | 19 | $2,407,000 | $126,000 | $656,000 | $5,000 | $48,000 |
| Asian | 18 | $3,234,000 | $179,000 | $417,000 | $188,000 | $767,000 |
| Black or African American | 14 | $882,000 | $63,000 | $108,000 | $55,000 | $99,000 |
| Not Provided | 12 | $1,494,000 | $124,000 | $342,000 | $74,000 | $192,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $180,000 | $90,000 | $101,000 | $94,000 | $141,000 |
| American Indian or Alaskan Native | 1 | $48,000 | $48,000 | $48,000 | $44,000 | $44,000 |
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) | 1,924 | $224,231,000 | $116,000 | $800,000 | $86,000 | $1,700,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 203 | $17,699,000 | $87,000 | $335,000 | $44,000 | $104,000 |
| VA-guaranteed (Veterans Administration) | 69 | $9,284,000 | $134,000 | $363,000 | $60,000 | $157,000 |
| FHA-insured (Federal Housing Administration) | 16 | $1,729,000 | $108,000 | $220,000 | $71,000 | $208,000 |
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 | 1,687 | $192,677,000 | $114,000 | $800,000 | $85,000 | $1,700,000 |
| Application Denied By Financial Institution | 238 | $23,166,000 | $97,000 | $350,000 | $54,000 | $440,000 |
| Application Approved But Not Accepted | 187 | $23,304,000 | $124,000 | $590,000 | $79,000 | $640,000 |
| Application Withdrawn By Applicant | 94 | $12,895,000 | $137,000 | $417,000 | $85,000 | $231,000 |
| File Closed For Incompleteness | 4 | $616,000 | $154,000 | $312,000 | $130,000 | $227,000 |
| Loan Purchased By The Institution | 2 | $285,000 | $142,000 | $224,000 | $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 | 3 | $345,000 | $115,000 | $226,000 | $47,000 | $65,000 |
| Debt-To-Income Ratio | 1 | $29,000 | $29,000 | $29,000 | $22,000 | $22,000 |
| 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 |
| Collateral | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2015 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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