United Fidelity Bank, FSB Mortgage Lending & HMDA Data, 2022
In 2022, United Fidelity Bank, FSB of Evansville, IN reported 335 mortgage applications totaling $2.8 billion, down 21% from 2021. The average application was for $8,503,567, and applicants reported an average income of $115,286. 61% of its applications resulted in an originated loan and 4% were denied. Its largest markets were Chicago-Naperville, IL (65), Indianapolis-Carmel-Anderson, IN (44) and Evansville, IN-KY (42) (applications in parentheses).
| Mortgage Company & Address | United Fidelity Bank, FSB Po Box 1347 Evansville, IN 47706 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 |
| Total Number of Mortgage Applications | 335 |
| Total Mortgage Loan Application Amount | $2,848,695,000 |
| Average Mortgage Loan Application Amount | $8,503,567 |
| Highest Mortgage Loan Application Amount | $79,455,000 |
| Average Applicant Income | $115,286 |
| Highest Applicant Income | $2,100,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Fidelity Bank, FSB filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 65 | $ 13,485,000 | $ 207,461 | $ 68,000 |
| Indianapolis-Carmel-Anderson, IN | 44 | $ 632,950,000 | $ 14,385,227 | $ 66,000 |
| Evansville, IN-KY | 42 | $ 6,980,000 | $ 166,190 | $ 122,000 |
| Denver-Aurora-Lakewood, CO | 35 | $ 130,675,000 | $ 3,733,571 | $ 64,000 |
| Columbus, OH | 29 | $ 347,425,000 | $ 11,980,172 | $ 0 |
| Atlanta-Sandy Springs-Roswell, GA | 15 | $ 299,095,000 | $ 19,939,666 | $ 0 |
| Cape Coral-Fort Myers, FL | 14 | $ 80,440,000 | $ 5,745,714 | $ 135,000 |
| Outside any metro area | 9 | $ 29,195,000 | $ 3,243,888 | $ 133,250 |
| Pensacola-Ferry Pass-Brent, FL | 9 | $ 146,625,000 | $ 16,291,666 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 8 | $ 2,670,000 | $ 333,750 | $ 98,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 8 | $ 138,880,000 | $ 17,360,000 | $ 0 |
| Colorado Springs, CO | 7 | $ 162,035,000 | $ 23,147,857 | $ 0 |
| North Port-Sarasota-Bradenton, FL | 6 | $ 38,670,000 | $ 6,445,000 | $ 0 |
| Charlotte-Concord-Gastonia, NC-SC | 5 | $ 170,905,000 | $ 34,181,000 | $ 0 |
| Jacksonville, NC | 5 | $ 67,505,000 | $ 13,501,000 | $ 0 |
| Durham-Chapel Hill, NC | 4 | $ 87,100,000 | $ 21,775,000 | $ 0 |
| Asheville, NC | 3 | $ 43,385,000 | $ 14,461,666 | $ 0 |
| Austin-Round Rock, TX | 2 | $ 63,470,000 | $ 31,735,000 | $ 0 |
| Fort Collins, CO | 2 | $ 70,520,000 | $ 35,260,000 | $ 0 |
| Gainesville, FL | 2 | $ 58,830,000 | $ 29,415,000 | $ 0 |
| Greensboro-High Point, NC | 2 | $ 49,310,000 | $ 24,655,000 | $ 0 |
| Miami-Miami Beach-Kendall, FL | 2 | $ 52,760,000 | $ 26,380,000 | $ 0 |
| Riverside-San Bernardino-Ontario, CA | 2 | $ 1,120,000 | $ 560,000 | $ 1,098,000 |
| Tallahassee, FL | 2 | $ 94,230,000 | $ 47,115,000 | $ 0 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 20,410,000 | $ 10,205,000 | $ 0 |
| Winston-Salem, NC | 2 | $ 34,260,000 | $ 17,130,000 | $ 0 |
| Anaheim-Santa Ana-Irvine, CA | 1 | $ 355,000 | $ 355,000 | $ 84,000 |
| Gary, IN | 1 | $ 155,000 | $ 155,000 | $ 100,000 |
| Grand Rapids-Wyoming, MI | 1 | $ 215,000 | $ 215,000 | $ 63,000 |
| Los Angeles-Long Beach-Glendale, CA | 1 | $ 955,000 | $ 955,000 | $ 669,000 |
| Louisville/Jefferson County, KY-IN | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Medford, OR | 1 | $ 1,905,000 | $ 1,905,000 | $ 432,000 |
| Phoenix-Mesa-Scottsdale, AZ | 1 | $ 1,645,000 | $ 1,645,000 | $ 1,295,000 |
| Raleigh, NC | 1 | $ 195,000 | $ 195,000 | $ 83,000 |
| St. Louis, MO-IL | 1 | $ 125,000 | $ 125,000 | $ 78,000 |
Mortgage Loan Application Detail Totals for United Fidelity Bank, FSB 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 | 221 | $2,294,675,000 | $10,383,000 | $79,455,000 | $127,000 | $2,100,000 |
| Cash-out Refinancing | 82 | $347,820,000 | $4,241,000 | $57,465,000 | $84,000 | $839,000 |
| Refinancing | 30 | $206,120,000 | $6,870,000 | $43,535,000 | $118,000 | $669,000 |
| Home Improvement | 2 | $80,000 | $40,000 | $55,000 | $63,000 | $63,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
| Other Purpose | 0 | $0 | $0 | $0 | $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 |
|---|---|---|---|---|---|---|
| Not applicable | 172 | $2,807,260,000 | $16,321,000 | $79,455,000 | $0 | $0 |
| White | 87 | $20,925,000 | $240,000 | $3,505,000 | $97,000 | $1,295,000 |
| Hispanic | 30 | $6,780,000 | $226,000 | $645,000 | $67,000 | $271,000 |
| Black or African American | 25 | $5,625,000 | $225,000 | $1,205,000 | $98,000 | $518,000 |
| Not Provided | 13 | $4,245,000 | $326,000 | $955,000 | $329,000 | $2,100,000 |
| Asian | 8 | $3,860,000 | $482,000 | $1,905,000 | $110,000 | $432,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 332 | $2,848,460,000 | $8,579,000 | $79,455,000 | $112,000 | $2,100,000 |
| FHA-insured (Federal Housing Administration) | 2 | $150,000 | $75,000 | $85,000 | $42,000 | $46,000 |
| VA-guaranteed (Veterans Administration) | 1 | $85,000 | $85,000 | $85,000 | $42,000 | $42,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 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 | 206 | $2,817,150,000 | $13,675,000 | $79,455,000 | $172,000 | $1,295,000 |
| Loan Purchased By The Institution | 89 | $19,025,000 | $213,000 | $455,000 | $55,000 | $90,000 |
| Application Withdrawn By Applicant | 21 | $7,845,000 | $373,000 | $3,505,000 | $212,000 | $2,100,000 |
| Application Denied By Financial Institution | 15 | $2,145,000 | $143,000 | $355,000 | $76,000 | $185,000 |
| Application Approved But Not Accepted | 2 | $220,000 | $110,000 | $115,000 | $55,000 | $55,000 |
| File Closed For Incompleteness | 2 | $2,310,000 | $1,155,000 | $1,205,000 | $700,000 | $882,000 |
| 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 |
|---|---|---|---|---|---|---|
| Not applicable | 320 | $2,846,550,000 | $8,895,000 | $79,455,000 | $114,000 | $2,100,000 |
| Credit History | 4 | $660,000 | $165,000 | $355,000 | $107,000 | $185,000 |
| Debt-To-Income Ratio | 4 | $570,000 | $142,000 | $355,000 | $58,000 | $107,000 |
| Collateral | 3 | $375,000 | $125,000 | $155,000 | $51,000 | $64,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $330,000 | $165,000 | $245,000 | $58,000 | $75,000 |
| Other | 1 | $55,000 | $55,000 | $55,000 | $94,000 | $94,000 |
| Unverifiable Information | 1 | $155,000 | $155,000 | $155,000 | $100,000 | $100,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Fidelity Bank, FSB'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 Fidelity Bank, FSB'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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