United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
United Community Bank 2020 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 | 4,595 |
| Total Mortgage Loan Application Amount | $655,785,000 |
| Average Mortgage Loan Application Amount | $118,166 |
| Highest Mortgage Loan Application Amount | $805,000 |
| Average Applicant Income | $91,833 |
| Highest Applicant Income | $2,452,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 1,781 | $ 279,715,000 | $ 157,000 | $ 114,000 |
| Adams County Illinois | 642 | $ 81,860,000 | $ 127,000 | $ 90,000 |
| Macoupin County Illinois | 387 | $ 45,675,000 | $ 118,000 | $ 86,000 |
| Madison County Illinois | 348 | $ 52,770,000 | $ 151,000 | $ 105,000 |
| Hancock County Illinois | 233 | $ 24,635,000 | $ 105,000 | $ 77,000 |
| Pike County Illinois | 122 | $ 12,000,000 | $ 98,000 | $ 75,000 |
| Logan County Illinois | 80 | $ 10,090,000 | $ 126,000 | $ 74,000 |
| McDonough County Illinois | 74 | $ 6,250,000 | $ 84,000 | $ 70,000 |
| Greene County Illinois | 63 | $ 6,155,000 | $ 97,000 | $ 71,000 |
| Christian County Illinois | 57 | $ 6,655,000 | $ 116,000 | $ 133,000 |
| Menard County Illinois | 51 | $ 6,845,000 | $ 134,000 | $ 91,000 |
| Lee County Iowa | 48 | $ 4,910,000 | $ 102,000 | $ 79,000 |
| Marion County Missouri | 45 | $ 7,195,000 | $ 159,000 | $ 91,000 |
| McLean County Illinois | 43 | $ 6,515,000 | $ 151,000 | $ 97,000 |
| Jersey County Illinois | 42 | $ 7,000,000 | $ 166,000 | $ 97,000 |
| Morgan County Illinois | 39 | $ 4,295,000 | $ 110,000 | $ 96,000 |
| Montgomery County Illinois | 37 | $ 4,955,000 | $ 133,000 | $ 104,000 |
| Brown County Illinois | 30 | $ 3,300,000 | $ 110,000 | $ 74,000 |
| Cook County Illinois | 27 | $ 5,935,000 | $ 219,000 | $ 124,000 |
| Lewis County Missouri | 21 | $ 2,775,000 | $ 132,000 | $ 100,000 |
| St. Clair County Illinois | 18 | $ 2,790,000 | $ 155,000 | $ 123,000 |
| St. Charles County Missouri | 16 | $ 3,660,000 | $ 228,000 | $ 137,000 |
| Scott County Illinois | 14 | $ 1,350,000 | $ 96,000 | $ 63,000 |
| Camden County Missouri | 13 | $ 3,865,000 | $ 297,000 | $ 251,000 |
| St. Louis County Missouri | 13 | $ 3,165,000 | $ 243,000 | $ 179,000 |
| Schuyler County Illinois | 12 | $ 1,850,000 | $ 154,000 | $ 99,000 |
| Champaign County Illinois | 11 | $ 1,345,000 | $ 122,000 | $ 94,000 |
| Macon County Illinois | 11 | $ 1,385,000 | $ 125,000 | $ 84,000 |
| Jackson County Illinois | 10 | $ 1,190,000 | $ 119,000 | $ 80,000 |
| Warren County Illinois | 9 | $ 865,000 | $ 96,000 | $ 69,000 |
| Will County Illinois | 9 | $ 2,085,000 | $ 231,000 | $ 112,000 |
| DuPage County Illinois | 8 | $ 2,350,000 | $ 293,000 | $ 229,000 |
| Williamson County Illinois | 8 | $ 1,270,000 | $ 158,000 | $ 208,000 |
| Clark County Missouri | 8 | $ 1,060,000 | $ 132,000 | $ 90,000 |
| Collier County Florida | 7 | $ 2,425,000 | $ 346,000 | $ 149,000 |
| Cass County Illinois | 7 | $ 1,025,000 | $ 146,000 | $ 129,000 |
| Grundy County Illinois | 7 | $ 1,065,000 | $ 152,000 | $ 121,000 |
| St. Louis City County Missouri | 7 | $ 975,000 | $ 139,000 | $ 137,000 |
| Maricopa County Arizona | 6 | $ 1,730,000 | $ 288,000 | $ 140,000 |
| Moultrie County Illinois | 6 | $ 990,000 | $ 165,000 | $ 97,000 |
| Peoria County Illinois | 6 | $ 940,000 | $ 156,000 | $ 80,000 |
| Woodford County Illinois | 6 | $ 1,080,000 | $ 180,000 | $ 79,000 |
| Fayette County Illinois | 5 | $ 885,000 | $ 177,000 | $ 107,000 |
| Franklin County Illinois | 5 | $ 475,000 | $ 95,000 | $ 65,000 |
| Tazewell County Illinois | 5 | $ 595,000 | $ 119,000 | $ 86,000 |
| Winnebago County Illinois | 5 | $ 765,000 | $ 153,000 | $ 59,000 |
| Lake County Indiana | 5 | $ 855,000 | $ 171,000 | $ 74,000 |
| Stone County Missouri | 5 | $ 425,000 | $ 85,000 | $ 96,000 |
| Lee County Florida | 4 | $ 1,750,000 | $ 437,000 | $ 413,000 |
| Walton County Florida | 4 | $ 1,060,000 | $ 265,000 | $ 242,000 |
| Fulton County Illinois | 4 | $ 190,000 | $ 47,000 | $ 42,000 |
| Mason County Illinois | 4 | $ 380,000 | $ 95,000 | $ 78,000 |
| Ogle County Illinois | 4 | $ 520,000 | $ 130,000 | $ 72,000 |
| Nodaway County Missouri | 4 | $ 620,000 | $ 155,000 | $ 65,000 |
| Pike County Missouri | 4 | $ 390,000 | $ 97,000 | $ 105,000 |
| Ste. Genevieve County Missouri | 4 | $ 630,000 | $ 157,000 | $ 150,000 |
| Bond County Illinois | 3 | $ 365,000 | $ 121,000 | $ 87,000 |
| Calhoun County Illinois | 3 | $ 425,000 | $ 141,000 | $ 97,000 |
| De Witt County Illinois | 3 | $ 225,000 | $ 75,000 | $ 49,000 |
| Effingham County Illinois | 3 | $ 455,000 | $ 151,000 | $ 97,000 |
| Massac County Illinois | 3 | $ 355,000 | $ 118,000 | $ 119,000 |
| Monroe County Illinois | 3 | $ 1,045,000 | $ 348,000 | $ 168,000 |
| Shelby County Illinois | 3 | $ 305,000 | $ 101,000 | $ 48,000 |
| Vermilion County Illinois | 3 | $ 525,000 | $ 175,000 | $ 82,000 |
| Washington County Illinois | 3 | $ 475,000 | $ 158,000 | $ 106,000 |
| Whiteside County Illinois | 3 | $ 615,000 | $ 205,000 | $ 91,000 |
| Jasper County Indiana | 3 | $ 405,000 | $ 135,000 | $ 71,000 |
| Scott County Iowa | 3 | $ 715,000 | $ 238,000 | $ 151,000 |
| Buchanan County Missouri | 3 | $ 275,000 | $ 91,000 | $ 120,000 |
| Morgan County Missouri | 3 | $ 825,000 | $ 275,000 | $ 160,000 |
| Ralls County Missouri | 3 | $ 295,000 | $ 98,000 | $ 31,000 |
| Taney County Missouri | 3 | $ 225,000 | $ 75,000 | $ 127,000 |
| Brown County Nebraska | 3 | $ 205,000 | $ 68,000 | $ 52,000 |
| Denver County Colorado | 2 | $ 750,000 | $ 375,000 | $ 196,000 |
| Elbert County Colorado | 2 | $ 570,000 | $ 285,000 | $ 139,000 |
| Brevard County Florida | 2 | $ 900,000 | $ 450,000 | $ 166,000 |
| Pinellas County Florida | 2 | $ 1,060,000 | $ 530,000 | $ 189,000 |
| Ford County Illinois | 2 | $ 140,000 | $ 70,000 | $ 68,000 |
| Henderson County Illinois | 2 | $ 280,000 | $ 140,000 | $ 78,000 |
| Henry County Illinois | 2 | $ 200,000 | $ 100,000 | $ 127,000 |
| Iroquois County Illinois | 2 | $ 160,000 | $ 80,000 | $ 42,000 |
| Johnson County Illinois | 2 | $ 340,000 | $ 170,000 | $ 272,000 |
| Kane County Illinois | 2 | $ 550,000 | $ 275,000 | $ 186,000 |
| Kankakee County Illinois | 2 | $ 280,000 | $ 140,000 | $ 76,000 |
| Lee County Illinois | 2 | $ 260,000 | $ 130,000 | $ 156,000 |
| Livingston County Illinois | 2 | $ 290,000 | $ 145,000 | $ 114,000 |
| Pope County Illinois | 2 | $ 400,000 | $ 200,000 | $ 103,000 |
| Newton County Indiana | 2 | $ 120,000 | $ 60,000 | $ 55,000 |
| Lincoln County Missouri | 2 | $ 500,000 | $ 250,000 | $ 117,000 |
| Monroe County Missouri | 2 | $ 330,000 | $ 165,000 | $ 75,000 |
| Baldwin County Alabama | 1 | $ 105,000 | $ 105,000 | $ 40,000 |
| DeKalb County Alabama | 1 | $ 155,000 | $ 155,000 | $ 69,000 |
| Coconino County Arizona | 1 | $ 275,000 | $ 275,000 | $ 216,000 |
| Pima County Arizona | 1 | $ 155,000 | $ 155,000 | $ 127,000 |
| Los Angeles County California | 1 | $ 275,000 | $ 275,000 | $ 122,000 |
| Arapahoe County Colorado | 1 | $ 345,000 | $ 345,000 | $ 75,000 |
| El Paso County Colorado | 1 | $ 255,000 | $ 255,000 | $ 65,000 |
| Garfield County Colorado | 1 | $ 305,000 | $ 305,000 | $ 115,000 |
| Hartford County Connecticut | 1 | $ 205,000 | $ 205,000 | $ 240,000 |
| Bay County Florida | 1 | $ 435,000 | $ 435,000 | $ 155,000 |
| Charlotte County Florida | 1 | $ 425,000 | $ 425,000 | $ 360,000 |
| Manatee County Florida | 1 | $ 195,000 | $ 195,000 | $ 101,000 |
| Seminole County Florida | 1 | $ 285,000 | $ 285,000 | $ 111,000 |
| Volusia County Florida | 1 | $ 375,000 | $ 375,000 | $ 215,000 |
| Chatham County Georgia | 1 | $ 445,000 | $ 445,000 | $ 425,000 |
| Cherokee County Georgia | 1 | $ 185,000 | $ 185,000 | $ 64,000 |
| Clinton County Illinois | 1 | $ 115,000 | $ 115,000 | $ 41,000 |
| Coles County Illinois | 1 | $ 45,000 | $ 45,000 | $ 27,000 |
| DeKalb County Illinois | 1 | $ 155,000 | $ 155,000 | $ 135,000 |
| Kendall County Illinois | 1 | $ 415,000 | $ 415,000 | $ 241,000 |
| Knox County Illinois | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Lake County Illinois | 1 | $ 95,000 | $ 95,000 | $ 106,000 |
| LaSalle County Illinois | 1 | $ 145,000 | $ 145,000 | $ 53,000 |
| Marion County Illinois | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Marshall County Illinois | 1 | $ 125,000 | $ 125,000 | $ 182,000 |
| McHenry County Illinois | 1 | $ 165,000 | $ 165,000 | $ 80,000 |
| Perry County Illinois | 1 | $ 95,000 | $ 95,000 | $ 41,000 |
| Putnam County Illinois | 1 | $ 85,000 | $ 85,000 | $ 121,000 |
| Randolph County Illinois | 1 | $ 115,000 | $ 115,000 | $ 117,000 |
| Benton County Indiana | 1 | $ 165,000 | $ 165,000 | $ 57,000 |
| Porter County Indiana | 1 | $ 155,000 | $ 155,000 | $ 97,000 |
| Warrick County Indiana | 1 | $ 165,000 | $ 165,000 | $ 100,000 |
| Jefferson County Iowa | 1 | $ 295,000 | $ 295,000 | $ 155,000 |
| Polk County Iowa | 1 | $ 265,000 | $ 265,000 | $ 215,000 |
| Fayette County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 50,000 |
| Prince George's County Maryland | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Kent County Michigan | 1 | $ 185,000 | $ 185,000 | $ 201,000 |
| Leelanau County Michigan | 1 | $ 405,000 | $ 405,000 | $ 154,000 |
| Midland County Michigan | 1 | $ 115,000 | $ 115,000 | $ 18,000 |
| Monroe County Michigan | 1 | $ 155,000 | $ 155,000 | $ 53,000 |
| Hennepin County Minnesota | 1 | $ 115,000 | $ 115,000 | $ 479,000 |
| Andrew County Missouri | 1 | $ 115,000 | $ 115,000 | $ 142,000 |
| Barry County Missouri | 1 | $ 155,000 | $ 155,000 | $ 309,000 |
| Boone County Missouri | 1 | $ 505,000 | $ 505,000 | $ 351,000 |
| Clay County Missouri | 1 | $ 265,000 | $ 265,000 | $ 619,000 |
| DeKalb County Missouri | 1 | $ 195,000 | $ 195,000 | $ 85,000 |
| Gasconade County Missouri | 1 | $ 245,000 | $ 245,000 | $ 88,000 |
| Jackson County Missouri | 1 | $ 195,000 | $ 195,000 | $ 123,000 |
| Jefferson County Missouri | 1 | $ 15,000 | $ 15,000 | $ 60,000 |
| Miller County Missouri | 1 | $ 25,000 | $ 25,000 | $ 174,000 |
| Montgomery County Missouri | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Stoddard County Missouri | 1 | $ 65,000 | $ 65,000 | $ 81,000 |
| Washington County Missouri | 1 | $ 135,000 | $ 135,000 | $ 81,000 |
| Gallatin County Montana | 1 | $ 365,000 | $ 365,000 | $ 72,000 |
| Franklin County Nebraska | 1 | $ 115,000 | $ 115,000 | $ 91,000 |
| Lancaster County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 72,000 |
| Pitt County North Carolina | 1 | $ 125,000 | $ 125,000 | $ 34,000 |
| Union County North Carolina | 1 | $ 505,000 | $ 505,000 | $ 250,000 |
| Multnomah County Oregon | 1 | $ 135,000 | $ 135,000 | $ 1,428,000 |
| Davidson County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 60,000 |
| Marshall County Tennessee | 1 | $ 125,000 | $ 125,000 | $ 65,000 |
| Sumner County Tennessee | 1 | $ 515,000 | $ 515,000 | $ 156,000 |
| Weakley County Tennessee | 1 | $ 115,000 | $ 115,000 | $ 55,000 |
| Summit County Utah | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Chesapeake County Virginia | 1 | $ 205,000 | $ 205,000 | $ 36,000 |
| Door County Wisconsin | 1 | $ 125,000 | $ 125,000 | $ 70,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2020
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 | 2,406 | $364,510,000 | $151,000 | $575,000 | $108,000 | $1,428,000 |
| Home Purchase | 1,217 | $167,365,000 | $137,000 | $805,000 | $90,000 | $2,452,000 |
| Cash-out Refinancing | 790 | $111,410,000 | $141,000 | $515,000 | $103,000 | $873,000 |
| Home Improvement | 135 | $7,895,000 | $58,000 | $605,000 | $112,000 | $750,000 |
| Other Purpose | 46 | $4,480,000 | $97,000 | $315,000 | $100,000 | $473,000 |
| Not Applicable | 1 | $125,000 | $125,000 | $125,000 | $38,000 | $38,000 |
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 | 4,202 | $594,500,000 | $141,000 | $805,000 | $101,000 | $2,452,000 |
| Not Provided | 117 | $19,175,000 | $163,000 | $515,000 | $133,000 | $1,428,000 |
| Asian | 66 | $13,160,000 | $199,000 | $515,000 | $131,000 | $479,000 |
| Not applicable | 60 | $7,210,000 | $120,000 | $565,000 | $0 | $0 |
| Hispanic | 56 | $7,880,000 | $140,000 | $325,000 | $87,000 | $309,000 |
| Black or African American | 53 | $7,865,000 | $148,000 | $515,000 | $93,000 | $249,000 |
| American Indian or Alaskan Native | 38 | $5,470,000 | $143,000 | $365,000 | $112,000 | $536,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $470,000 | $235,000 | $345,000 | $222,000 | $255,000 |
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) | 4,283 | $621,045,000 | $145,000 | $805,000 | $106,000 | $2,452,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 162 | $14,780,000 | $91,000 | $195,000 | $45,000 | $100,000 |
| FHA-insured (Federal Housing Administration) | 94 | $10,680,000 | $113,000 | $305,000 | $55,000 | $168,000 |
| VA-guaranteed (Veterans Administration) | 56 | $9,280,000 | $165,000 | $335,000 | $85,000 | $166,000 |
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 | 3,744 | $543,500,000 | $145,000 | $735,000 | $106,000 | $2,452,000 |
| Application Withdrawn By Applicant | 425 | $63,695,000 | $149,000 | $805,000 | $106,000 | $1,428,000 |
| Application Denied By Financial Institution | 330 | $36,480,000 | $110,000 | $505,000 | $60,000 | $251,000 |
| Application Approved But Not Accepted | 66 | $8,540,000 | $129,000 | $515,000 | $88,000 | $360,000 |
| File Closed For Incompleteness | 30 | $3,570,000 | $119,000 | $405,000 | $83,000 | $250,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 4,265 | $619,305,000 | $145,000 | $805,000 | $106,000 | $2,452,000 |
| Credit History | 152 | $13,610,000 | $89,000 | $365,000 | $64,000 | $200,000 |
| Debt-To-Income Ratio | 119 | $17,315,000 | $145,000 | $505,000 | $54,000 | $251,000 |
| Collateral | 30 | $2,450,000 | $81,000 | $215,000 | $58,000 | $138,000 |
| Other | 18 | $2,020,000 | $112,000 | $275,000 | $74,000 | $150,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 6 | $630,000 | $105,000 | $185,000 | $53,000 | $66,000 |
| Employment History | 3 | $195,000 | $65,000 | $85,000 | $55,000 | $65,000 |
| Credit Application Incomplete | 1 | $95,000 | $95,000 | $95,000 | $34,000 | $34,000 |
| Unverifiable Information | 1 | $165,000 | $165,000 | $165,000 | $44,000 | $44,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2020 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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