United Community Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
United Community Bank 2022 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 | 2,134 |
| Total Mortgage Loan Application Amount | $242,840,000 |
| Average Mortgage Loan Application Amount | $86,000 |
| Highest Mortgage Loan Application Amount | $2,585,000 |
| Average Applicant Income | $84,666 |
| Highest Applicant Income | $2,031,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 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 2022 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 2022.
| 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 | 642 | $ 75,140,000 | $ 117,000 | $ 127,000 |
| Adams County Illinois | 262 | $ 30,690,000 | $ 117,000 | $ 91,000 |
| Madison County Illinois | 228 | $ 24,210,000 | $ 106,000 | $ 100,000 |
| Macoupin County Illinois | 219 | $ 19,205,000 | $ 87,000 | $ 80,000 |
| Hancock County Illinois | 141 | $ 13,325,000 | $ 94,000 | $ 87,000 |
| McDonough County Illinois | 80 | $ 6,270,000 | $ 78,000 | $ 73,000 |
| Logan County Illinois | 43 | $ 4,605,000 | $ 107,000 | $ 84,000 |
| Greene County Illinois | 35 | $ 2,275,000 | $ 65,000 | $ 73,000 |
| Christian County Illinois | 33 | $ 2,605,000 | $ 78,000 | $ 72,000 |
| Pike County Illinois | 30 | $ 2,730,000 | $ 91,000 | $ 77,000 |
| McLean County Illinois | 25 | $ 2,005,000 | $ 80,000 | $ 89,000 |
| Lee County Iowa | 22 | $ 2,570,000 | $ 116,000 | $ 88,000 |
| Jersey County Illinois | 21 | $ 2,155,000 | $ 102,000 | $ 94,000 |
| Brown County Illinois | 20 | $ 1,760,000 | $ 88,000 | $ 100,000 |
| Morgan County Illinois | 20 | $ 1,520,000 | $ 76,000 | $ 80,000 |
| Marion County Missouri | 20 | $ 2,870,000 | $ 143,000 | $ 71,000 |
| Menard County Illinois | 16 | $ 2,270,000 | $ 141,000 | $ 110,000 |
| Bureau County Illinois | 13 | $ 1,445,000 | $ 111,000 | $ 82,000 |
| Cook County Illinois | 12 | $ 4,940,000 | $ 411,000 | $ 227,000 |
| Ogle County Illinois | 11 | $ 1,815,000 | $ 165,000 | $ 78,000 |
| Lewis County Missouri | 11 | $ 1,285,000 | $ 116,000 | $ 113,000 |
| Scott County Illinois | 9 | $ 795,000 | $ 88,000 | $ 67,000 |
| Montgomery County Illinois | 8 | $ 560,000 | $ 70,000 | $ 85,000 |
| Ford County Illinois | 7 | $ 645,000 | $ 92,000 | $ 80,000 |
| Knox County Illinois | 7 | $ 765,000 | $ 109,000 | $ 55,000 |
| Marion County Illinois | 7 | $ 695,000 | $ 99,000 | $ 43,000 |
| Schuyler County Illinois | 7 | $ 515,000 | $ 73,000 | $ 64,000 |
| Collier County Florida | 5 | $ 1,795,000 | $ 359,000 | $ 209,000 |
| Mason County Illinois | 5 | $ 345,000 | $ 69,000 | $ 131,000 |
| Ralls County Missouri | 5 | $ 685,000 | $ 137,000 | $ 60,000 |
| St. Charles County Missouri | 5 | $ 1,395,000 | $ 279,000 | $ 123,000 |
| St. Louis City County Missouri | 5 | $ 1,365,000 | $ 273,000 | $ 220,000 |
| Calhoun County Illinois | 4 | $ 420,000 | $ 105,000 | $ 66,000 |
| Henderson County Illinois | 4 | $ 240,000 | $ 60,000 | $ 55,000 |
| Macon County Illinois | 4 | $ 180,000 | $ 45,000 | $ 85,000 |
| Randolph County Illinois | 4 | $ 380,000 | $ 95,000 | $ 50,000 |
| Tazewell County Illinois | 4 | $ 620,000 | $ 155,000 | $ 84,000 |
| Warren County Illinois | 4 | $ 440,000 | $ 110,000 | $ 64,000 |
| Will County Illinois | 4 | $ 590,000 | $ 147,000 | $ 99,000 |
| Williamson County Illinois | 4 | $ 580,000 | $ 145,000 | $ 156,000 |
| Clark County Missouri | 4 | $ 430,000 | $ 107,000 | $ 83,000 |
| Monroe County Missouri | 4 | $ 470,000 | $ 117,000 | $ 97,000 |
| St. Louis County Missouri | 4 | $ 460,000 | $ 115,000 | $ 56,000 |
| Taney County Missouri | 4 | $ 520,000 | $ 130,000 | $ 88,000 |
| Lee County Florida | 3 | $ 525,000 | $ 175,000 | $ 68,000 |
| Champaign County Illinois | 3 | $ 315,000 | $ 105,000 | $ 94,000 |
| Effingham County Illinois | 3 | $ 465,000 | $ 155,000 | $ 51,000 |
| Fulton County Illinois | 3 | $ 285,000 | $ 95,000 | $ 52,000 |
| Henry County Illinois | 3 | $ 175,000 | $ 58,000 | $ 113,000 |
| LaSalle County Illinois | 3 | $ 465,000 | $ 155,000 | $ 103,000 |
| Winnebago County Illinois | 3 | $ 385,000 | $ 128,000 | $ 51,000 |
| Woodford County Illinois | 3 | $ 245,000 | $ 81,000 | $ 64,000 |
| Camden County Missouri | 3 | $ 815,000 | $ 271,000 | $ 246,000 |
| Maricopa County Arizona | 2 | $ 860,000 | $ 430,000 | $ 236,000 |
| Pima County Arizona | 2 | $ 480,000 | $ 240,000 | $ 70,000 |
| Bay County Florida | 2 | $ 430,000 | $ 215,000 | $ 88,000 |
| Sarasota County Florida | 2 | $ 520,000 | $ 260,000 | $ 139,000 |
| Carroll County Illinois | 2 | $ 220,000 | $ 110,000 | $ 43,000 |
| Coles County Illinois | 2 | $ 280,000 | $ 140,000 | $ 59,000 |
| Cumberland County Illinois | 2 | $ 180,000 | $ 90,000 | $ 117,000 |
| Douglas County Illinois | 2 | $ 90,000 | $ 45,000 | $ 92,000 |
| DuPage County Illinois | 2 | $ 460,000 | $ 230,000 | $ 58,000 |
| Fayette County Illinois | 2 | $ 410,000 | $ 205,000 | $ 78,000 |
| Lee County Illinois | 2 | $ 250,000 | $ 125,000 | $ 71,000 |
| Moultrie County Illinois | 2 | $ 140,000 | $ 70,000 | $ 87,000 |
| Peoria County Illinois | 2 | $ 310,000 | $ 155,000 | $ 50,000 |
| St. Clair County Illinois | 2 | $ 160,000 | $ 80,000 | $ 105,000 |
| Newton County Indiana | 2 | $ 150,000 | $ 75,000 | $ 125,000 |
| Buchanan County Missouri | 2 | $ 350,000 | $ 175,000 | $ 55,000 |
| Johnson County Missouri | 2 | $ 320,000 | $ 160,000 | $ 49,000 |
| Pike County Missouri | 2 | $ 150,000 | $ 75,000 | $ 80,000 |
| Bexar County Texas | 2 | $ 640,000 | $ 320,000 | $ 804,000 |
| Baldwin County Alabama | 1 | $ 25,000 | $ 25,000 | $ 42,000 |
| Pinal County Arizona | 1 | $ 225,000 | $ 225,000 | $ 61,000 |
| Benton County Arkansas | 1 | $ 505,000 | $ 505,000 | $ 119,000 |
| Los Angeles County California | 1 | $ 245,000 | $ 245,000 | $ 127,000 |
| Charlotte County Florida | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Volusia County Florida | 1 | $ 385,000 | $ 385,000 | $ 0 |
| De Witt County Illinois | 1 | $ 95,000 | $ 95,000 | $ 53,000 |
| Franklin County Illinois | 1 | $ 215,000 | $ 215,000 | $ 124,000 |
| Jackson County Illinois | 1 | $ 15,000 | $ 15,000 | $ 164,000 |
| Johnson County Illinois | 1 | $ 95,000 | $ 95,000 | $ 27,000 |
| Kane County Illinois | 1 | $ 55,000 | $ 55,000 | $ 179,000 |
| Kendall County Illinois | 1 | $ 255,000 | $ 255,000 | $ 116,000 |
| Lake County Illinois | 1 | $ 625,000 | $ 625,000 | $ 476,000 |
| Livingston County Illinois | 1 | $ 115,000 | $ 115,000 | $ 160,000 |
| Marshall County Illinois | 1 | $ 55,000 | $ 55,000 | $ 39,000 |
| Monroe County Illinois | 1 | $ 235,000 | $ 235,000 | $ 75,000 |
| Perry County Illinois | 1 | $ 125,000 | $ 125,000 | $ 49,000 |
| Pope County Illinois | 1 | $ 95,000 | $ 95,000 | $ 67,000 |
| Stephenson County Illinois | 1 | $ 105,000 | $ 105,000 | $ 29,000 |
| Union County Illinois | 1 | $ 95,000 | $ 95,000 | $ 116,000 |
| Washington County Illinois | 1 | $ 15,000 | $ 15,000 | $ 100,000 |
| Whiteside County Illinois | 1 | $ 85,000 | $ 85,000 | $ 62,000 |
| Kosciusko County Indiana | 1 | $ 215,000 | $ 215,000 | $ 97,000 |
| Lake County Indiana | 1 | $ 35,000 | $ 35,000 | $ 120,000 |
| St. Joseph County Indiana | 1 | $ 365,000 | $ 365,000 | $ 448,000 |
| Linn County Iowa | 1 | $ 175,000 | $ 175,000 | $ 60,000 |
| Jefferson County Kentucky | 1 | $ 325,000 | $ 325,000 | $ 54,000 |
| McCracken County Kentucky | 1 | $ 555,000 | $ 555,000 | $ 450,000 |
| Berrien County Michigan | 1 | $ 365,000 | $ 365,000 | $ 238,000 |
| Adair County Missouri | 1 | $ 75,000 | $ 75,000 | $ 58,000 |
| Boone County Missouri | 1 | $ 195,000 | $ 195,000 | $ 66,000 |
| Carroll County Missouri | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Grundy County Missouri | 1 | $ 105,000 | $ 105,000 | $ 51,000 |
| Livingston County Missouri | 1 | $ 95,000 | $ 95,000 | $ 103,000 |
| Macon County Missouri | 1 | $ 335,000 | $ 335,000 | $ 61,000 |
| Schuyler County Missouri | 1 | $ 235,000 | $ 235,000 | $ 50,000 |
| Warren County Missouri | 1 | $ 245,000 | $ 245,000 | $ 163,000 |
| Brown County Nebraska | 1 | $ 185,000 | $ 185,000 | $ 48,000 |
| Dixon County Nebraska | 1 | $ 255,000 | $ 255,000 | $ 60,000 |
| Keya Paha County Nebraska | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Essex County New Jersey | 1 | $ 115,000 | $ 115,000 | $ 120,000 |
| Burke County North Carolina | 1 | $ 2,585,000 | $ 2,585,000 | $ 0 |
| Bucks County Pennsylvania | 1 | $ 605,000 | $ 605,000 | $ 1,090,000 |
| Edgefield County South Carolina | 1 | $ 285,000 | $ 285,000 | $ 8,000 |
| Humphreys County Tennessee | 1 | $ 175,000 | $ 175,000 | $ 47,000 |
| Denton County Texas | 1 | $ 405,000 | $ 405,000 | $ 205,000 |
| Walworth County Wisconsin | 1 | $ 175,000 | $ 175,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2022
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 | 1,031 | $151,455,000 | $146,000 | $2,585,000 | $97,000 | $2,031,000 |
| Refinancing | 375 | $44,425,000 | $118,000 | $805,000 | $109,000 | $1,092,000 |
| Home Improvement | 362 | $14,450,000 | $39,000 | $455,000 | $111,000 | $737,000 |
| Cash-out Refinancing | 212 | $23,670,000 | $111,000 | $415,000 | $88,000 | $718,000 |
| Other Purpose | 153 | $8,795,000 | $57,000 | $505,000 | $103,000 | $700,000 |
| Not Applicable | 1 | $45,000 | $45,000 | $45,000 | $0 | $0 |
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 | 1,914 | $208,910,000 | $109,000 | $1,025,000 | $101,000 | $2,031,000 |
| Not applicable | 74 | $13,590,000 | $183,000 | $2,585,000 | $0 | $0 |
| Not Provided | 48 | $7,310,000 | $152,000 | $605,000 | $115,000 | $700,000 |
| Black or African American | 38 | $3,340,000 | $87,000 | $375,000 | $85,000 | $354,000 |
| Hispanic | 26 | $4,310,000 | $165,000 | $645,000 | $122,000 | $804,000 |
| Asian | 21 | $3,615,000 | $172,000 | $565,000 | $112,000 | $535,000 |
| American Indian or Alaskan Native | 7 | $575,000 | $82,000 | $125,000 | $78,000 | $237,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $555,000 | $555,000 | $555,000 | $450,000 | $450,000 |
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) | 1,859 | $210,285,000 | $113,000 | $2,585,000 | $108,000 | $2,031,000 |
| FHA-insured (Federal Housing Administration) | 163 | $19,525,000 | $119,000 | $575,000 | $59,000 | $448,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 89 | $8,905,000 | $100,000 | $525,000 | $57,000 | $805,000 |
| VA-guaranteed (Veterans Administration) | 23 | $4,125,000 | $179,000 | $405,000 | $83,000 | $265,000 |
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 | 1,610 | $183,700,000 | $114,000 | $2,585,000 | $110,000 | $2,031,000 |
| Application Withdrawn By Applicant | 281 | $36,635,000 | $130,000 | $605,000 | $87,000 | $718,000 |
| Application Denied By Financial Institution | 200 | $16,890,000 | $84,000 | $575,000 | $60,000 | $310,000 |
| File Closed For Incompleteness | 34 | $4,330,000 | $127,000 | $605,000 | $101,000 | $1,090,000 |
| Application Approved But Not Accepted | 9 | $1,285,000 | $142,000 | $445,000 | $66,000 | $165,000 |
| 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 | 1,934 | $225,950,000 | $116,000 | $2,585,000 | $106,000 | $2,031,000 |
| Credit History | 117 | $7,745,000 | $66,000 | $435,000 | $59,000 | $229,000 |
| Debt-To-Income Ratio | 51 | $5,895,000 | $115,000 | $575,000 | $59,000 | $196,000 |
| Collateral | 12 | $1,330,000 | $110,000 | $525,000 | $90,000 | $310,000 |
| Other | 11 | $1,145,000 | $104,000 | $185,000 | $51,000 | $110,000 |
| Employment History | 5 | $165,000 | $33,000 | $55,000 | $34,000 | $82,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $610,000 | $152,000 | $435,000 | $57,000 | $108,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 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 2022 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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with aggregated HMDA statistics today.