Unitedtrust Bank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2003
Unitedtrust Bank 2003 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 | Unitedtrust Bank 1130 Rt 22 East Bridgewater, NJ 08807 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2003 |
| Total Number of Mortgage Applications | 4,476 |
| Total Mortgage Loan Application Amount | $612,855,000 |
| Average Mortgage Loan Application Amount | $72,062 |
| Highest Mortgage Loan Application Amount | $1,000,000 |
| Average Applicant Income | $60,437 |
| Highest Applicant Income | $5,553,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2003 with Unitedtrust 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 Unitedtrust Bank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2003 breaks down Unitedtrust 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 Unitedtrust Bank serves its applicants.
Each category highlights the total number of mortgage applications processed by Unitedtrust 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 Unitedtrust Bank's mortgage activity for 2003.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Somerset County New Jersey | 603 | $ 107,280,000 | $ 177,000 | $ 95,000 |
| Warren County New Jersey | 570 | $ 54,067,000 | $ 94,000 | $ 95,000 |
| Northampton County Pennsylvania | 501 | $ 47,867,000 | $ 95,000 | $ 72,000 |
| Hunterdon County New Jersey | 478 | $ 82,023,000 | $ 171,000 | $ 106,000 |
| Middlesex County New Jersey | 311 | $ 37,469,000 | $ 120,000 | $ 79,000 |
| Union County New Jersey | 257 | $ 38,443,000 | $ 149,000 | $ 81,000 |
| Morris County New Jersey | 254 | $ 56,796,000 | $ 223,000 | $ 119,000 |
| Lehigh County Pennsylvania | 101 | $ 8,681,000 | $ 85,000 | $ 67,000 |
| Bergen County New Jersey | 96 | $ 36,567,000 | $ 380,000 | $ 163,000 |
| Essex County New Jersey | 96 | $ 25,069,000 | $ 261,000 | $ 112,000 |
| Bucks County Pennsylvania | 93 | $ 5,912,000 | $ 63,000 | $ 84,000 |
| Monmouth County New Jersey | 90 | $ 27,038,000 | $ 300,000 | $ 164,000 |
| Ocean County New Jersey | 60 | $ 16,189,000 | $ 269,000 | $ 165,000 |
| Baltimore County Maryland | 57 | $ 3,026,000 | $ 53,000 | $ 50,000 |
| Mercer County New Jersey | 54 | $ 10,411,000 | $ 192,000 | $ 118,000 |
| York County Pennsylvania | 49 | $ 2,098,000 | $ 42,000 | $ 38,000 |
| Anne Arundel County Maryland | 36 | $ 1,750,000 | $ 48,000 | $ 59,000 |
| Franklin County Pennsylvania | 35 | $ 1,241,000 | $ 35,000 | $ 30,000 |
| Harford County Maryland | 29 | $ 1,383,000 | $ 47,000 | $ 42,000 |
| Monroe County Pennsylvania | 29 | $ 2,038,000 | $ 70,000 | $ 71,000 |
| Kent County Delaware | 28 | $ 1,865,000 | $ 66,000 | $ 55,000 |
| Passaic County New Jersey | 28 | $ 8,083,000 | $ 288,000 | $ 151,000 |
| Atlantic County New Jersey | 27 | $ 1,952,000 | $ 72,000 | $ 79,000 |
| Sussex County New Jersey | 27 | $ 4,295,000 | $ 159,000 | $ 123,000 |
| Cumberland County Pennsylvania | 25 | $ 1,127,000 | $ 45,000 | $ 40,000 |
| Lancaster County Pennsylvania | 25 | $ 976,000 | $ 39,000 | $ 37,000 |
| Howard County Maryland | 24 | $ 1,190,000 | $ 49,000 | $ 53,000 |
| Butler County Pennsylvania | 22 | $ 896,000 | $ 40,000 | $ 41,000 |
| Sussex County Delaware | 21 | $ 1,176,000 | $ 56,000 | $ 65,000 |
| Carbon County Pennsylvania | 21 | $ 983,000 | $ 46,000 | $ 50,000 |
| Lebanon County Pennsylvania | 20 | $ 810,000 | $ 40,000 | $ 42,000 |
| Adams County Pennsylvania | 18 | $ 802,000 | $ 44,000 | $ 43,000 |
| Westmoreland County Pennsylvania | 18 | $ 705,000 | $ 39,000 | $ 39,000 |
| Chester County Pennsylvania | 17 | $ 883,000 | $ 51,000 | $ 77,000 |
| Burlington County New Jersey | 16 | $ 2,092,000 | $ 130,000 | $ 91,000 |
| Berks County Pennsylvania | 15 | $ 612,000 | $ 40,000 | $ 57,000 |
| Hudson County New Jersey | 14 | $ 2,121,000 | $ 151,000 | $ 71,000 |
| Lycoming County Pennsylvania | 14 | $ 570,000 | $ 40,000 | $ 41,000 |
| Luzerne County Pennsylvania | 13 | $ 406,000 | $ 31,000 | $ 40,000 |
| Montgomery County Pennsylvania | 13 | $ 718,000 | $ 55,000 | $ 65,000 |
| Prince George's County Maryland | 11 | $ 449,000 | $ 40,000 | $ 42,000 |
| Washington County Maryland | 10 | $ 495,000 | $ 49,000 | $ 39,000 |
| Indiana County Pennsylvania | 10 | $ 486,000 | $ 48,000 | $ 51,000 |
| Northumberland County Pennsylvania | 10 | $ 384,000 | $ 38,000 | $ 36,000 |
| Cape May County New Jersey | 8 | $ 2,466,000 | $ 308,000 | $ 260,000 |
| Dauphin County Pennsylvania | 8 | $ 332,000 | $ 41,000 | $ 36,000 |
| Cecil County Maryland | 7 | $ 300,000 | $ 42,000 | $ 24,000 |
| Bedford County Pennsylvania | 7 | $ 312,000 | $ 44,000 | $ 40,000 |
| Fayette County Pennsylvania | 7 | $ 293,000 | $ 41,000 | $ 44,000 |
| Allegheny County Pennsylvania | 6 | $ 243,000 | $ 40,000 | $ 58,000 |
| Armstrong County Pennsylvania | 6 | $ 288,000 | $ 48,000 | $ 31,000 |
| Blair County Pennsylvania | 6 | $ 250,000 | $ 41,000 | $ 38,000 |
| Charles County Maryland | 5 | $ 213,000 | $ 42,000 | $ 59,000 |
| Frederick County Maryland | 5 | $ 274,000 | $ 54,000 | $ 36,000 |
| Cumberland County New Jersey | 5 | $ 235,000 | $ 47,000 | $ 53,000 |
| Clarion County Pennsylvania | 5 | $ 184,000 | $ 36,000 | $ 35,000 |
| Lackawanna County Pennsylvania | 5 | $ 369,000 | $ 73,000 | $ 92,000 |
| Mercer County Pennsylvania | 5 | $ 164,000 | $ 32,000 | $ 27,000 |
| Perry County Pennsylvania | 5 | $ 172,000 | $ 34,000 | $ 32,000 |
| Tioga County Pennsylvania | 5 | $ 199,000 | $ 39,000 | $ 41,000 |
| Washington County Pennsylvania | 5 | $ 185,000 | $ 37,000 | $ 53,000 |
| New Castle County Delaware | 4 | $ 176,000 | $ 44,000 | $ 52,000 |
| Camden County New Jersey | 4 | $ 380,000 | $ 95,000 | $ 66,000 |
| Venango County Pennsylvania | 4 | $ 145,000 | $ 36,000 | $ 36,000 |
| Cambria County Pennsylvania | 3 | $ 90,000 | $ 30,000 | $ 36,000 |
| Clearfield County Pennsylvania | 3 | $ 119,000 | $ 39,000 | $ 20,000 |
| Crawford County Pennsylvania | 3 | $ 123,000 | $ 41,000 | $ 40,000 |
| Schuylkill County Pennsylvania | 3 | $ 126,000 | $ 42,000 | $ 56,000 |
| Wayne County Pennsylvania | 3 | $ 98,000 | $ 32,000 | $ 57,000 |
| Carroll County Maryland | 2 | $ 93,000 | $ 46,000 | $ 35,000 |
| St. Mary's County Maryland | 2 | $ 96,000 | $ 48,000 | $ 60,000 |
| Wicomico County Maryland | 2 | $ 107,000 | $ 53,000 | $ 38,000 |
| Richmond County New York | 2 | $ 130,000 | $ 65,000 | $ 21,000 |
| Steuben County New York | 2 | $ 105,000 | $ 52,000 | $ 33,000 |
| Sullivan County New York | 2 | $ 68,000 | $ 34,000 | $ 28,000 |
| Bradford County Pennsylvania | 2 | $ 68,000 | $ 34,000 | $ 22,000 |
| Centre County Pennsylvania | 2 | $ 74,000 | $ 37,000 | $ 94,000 |
| Delaware County Pennsylvania | 2 | $ 422,000 | $ 211,000 | $ 103,000 |
| Jefferson County Pennsylvania | 2 | $ 104,000 | $ 52,000 | $ 42,000 |
| Lawrence County Pennsylvania | 2 | $ 136,000 | $ 68,000 | $ 54,000 |
| Montour County Pennsylvania | 2 | $ 70,000 | $ 35,000 | $ 38,000 |
| Pike County Pennsylvania | 2 | $ 158,000 | $ 79,000 | $ 92,000 |
| Worcester County Maryland | 1 | $ 40,000 | $ 40,000 | $ 27,000 |
| Salem County New Jersey | 1 | $ 75,000 | $ 75,000 | $ 106,000 |
| Nassau County New York | 1 | $ 15,000 | $ 15,000 | $ 235,000 |
| Rockland County New York | 1 | $ 51,000 | $ 51,000 | $ 32,000 |
| Beaver County Pennsylvania | 1 | $ 63,000 | $ 63,000 | $ 77,000 |
| Clinton County Pennsylvania | 1 | $ 35,000 | $ 35,000 | $ 19,000 |
| Columbia County Pennsylvania | 1 | $ 52,000 | $ 52,000 | $ 33,000 |
| Philadelphia County Pennsylvania | 1 | $ 460,000 | $ 460,000 | $ 130,000 |
| Potter County Pennsylvania | 1 | $ 31,000 | $ 31,000 | $ 17,000 |
| Somerset County Pennsylvania | 1 | $ 41,000 | $ 41,000 | $ 23,000 |
| Warren County Pennsylvania | 1 | $ 59,000 | $ 59,000 | $ 53,000 |
| Wyoming County Pennsylvania | 1 | $ 44,000 | $ 44,000 | $ 51,000 |
| Frederick County Virginia | 1 | $ 63,000 | $ 63,000 | $ 26,000 |
Mortgage Loan Application Detail Totals for Unitedtrust Bank in 2003
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 (home purchase or home improvement, one-to-four family) | 2,668 | $457,601,000 | $109,750 | $1,000,000 | $60,000 | $2,101,000 |
| Home Purchase (one-to-four family) | 1,259 | $130,664,000 | $79,142 | $850,000 | $54,857 | $5,553,000 |
| Home Improvement (one-to-four family) | 549 | $24,590,000 | $32,000 | $500,000 | $68,600 | $910,000 |
| Multifamily dwelling (home purchase, home improvement, and refinancings) | 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 |
|---|---|---|---|---|---|---|
| White | 3,642 | $456,973,000 | $69,428 | $1,000,000 | $60,714 | $5,553,000 |
| Not applicable | 239 | $87,202,000 | $229,000 | $850,000 | $97,500 | $1,111,000 |
| Information not provided by applicant in mail or telephone application | 197 | $16,397,000 | $75,000 | $551,000 | $61,333 | $519,000 |
| Black | 124 | $10,336,000 | $72,000 | $424,000 | $67,800 | $265,000 |
| Asian or Pacific Islander | 119 | $26,173,000 | $123,333 | $700,000 | $67,000 | $501,000 |
| Hispanic | 90 | $8,544,000 | $77,000 | $378,000 | $59,666 | $344,000 |
| Other | 42 | $5,251,000 | $103,500 | $660,000 | $81,000 | $660,000 |
| American Indian or Alaskan Native | 23 | $1,979,000 | $78,250 | $350,000 | $61,500 | $113,000 |
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) | 4,476 | $612,855,000 | $72,571 | $1,000,000 | $56,714 | $5,553,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 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 | 3,140 | $443,034,000 | $74,500 | $1,000,000 | $63,333 | $5,553,000 |
| Application Denied By Financial Institution | 517 | $35,088,000 | $57,142 | $731,000 | $51,000 | $262,000 |
| Application Approved But Not Accepted | 501 | $38,963,000 | $67,000 | $636,000 | $54,833 | $775,000 |
| Loan Purchased By The Institution | 238 | $87,150,000 | $248,500 | $850,000 | $107,000 | $1,111,000 |
| Application Withdrawn By Applicant | 42 | $4,493,000 | $96,000 | $476,000 | $84,500 | $2,101,000 |
| File Closed For Incompleteness | 38 | $4,127,000 | $117,500 | $350,000 | $82,000 | $180,000 |
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 Unitedtrust Bank's 2003 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 Unitedtrust 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.
For a list of all lenders in New Jersey, download the full spreadsheet
with aggregated HMDA statistics today.