Unity National Bank Mortgage Lending & HMDA Data, 2010
In 2010, Unity National Bank of Little Rock, AR reported 41 mortgage applications totaling $5.5 million. The average application was for $133,146, and applicants reported an average income of $87,658. 68% of its applications resulted in an originated loan and 7% were denied. Its largest markets were Atlanta-Sandy Springs-Marietta, GA (22), Rome, GA (13) and Athens-Clarke County, GA (1) (applications in parentheses).
| Mortgage Company & Address | Unity National Bank P.O. Box 8811 Little Rock, AR 72231 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2010 |
| Total Number of Mortgage Applications | 41 |
| Total Mortgage Loan Application Amount | $5,459,000 |
| Average Mortgage Loan Application Amount | $133,146 |
| Highest Mortgage Loan Application Amount | $1,361,000 |
| Average Applicant Income | $87,658 |
| Highest Applicant Income | $523,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Unity National Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans.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 |
|---|---|---|---|---|
| Atlanta-Sandy Springs-Marietta, GA | 22 | $ 3,248,000 | $ 147,636 | $ 51,000 |
| Rome, GA | 13 | $ 1,661,000 | $ 127,769 | $ 176,000 |
| Athens-Clarke County, GA | 1 | $ 100,000 | $ 100,000 | $ 0 |
Mortgage Loan Application Detail Totals for Unity National Bank in 2010
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 | 28 | $2,777,000 | $99,000 | $202,000 | $90,000 | $523,000 |
| Home Purchase | 10 | $2,555,000 | $255,000 | $1,361,000 | $96,000 | $515,000 |
| Home Improvement | 3 | $127,000 | $42,000 | $71,000 | $38,000 | $54,000 |
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 | 32 | $3,217,000 | $100,000 | $202,000 | $103,000 | $523,000 |
| Not applicable | 4 | $1,934,000 | $483,000 | $1,361,000 | $0 | $0 |
| Black or African American | 3 | $182,000 | $60,000 | $118,000 | $77,000 | $101,000 |
| Hispanic | 1 | $23,000 | $23,000 | $23,000 | $29,000 | $29,000 |
| Not Provided | 1 | $103,000 | $103,000 | $103,000 | $28,000 | $28,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 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) | 33 | $4,492,000 | $136,000 | $1,361,000 | $99,000 | $523,000 |
| FHA-insured (Federal Housing Administration) | 7 | $864,000 | $123,000 | $200,000 | $43,000 | $72,000 |
| VA-guaranteed (Veterans Administration) | 1 | $103,000 | $103,000 | $103,000 | $28,000 | $28,000 |
| 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 | 28 | $3,950,000 | $141,000 | $1,361,000 | $106,000 | $523,000 |
| File Closed For Incompleteness | 6 | $836,000 | $139,000 | $200,000 | $68,000 | $134,000 |
| Application Withdrawn By Applicant | 4 | $493,000 | $123,000 | $202,000 | $37,000 | $63,000 |
| Application Denied By Financial Institution | 3 | $180,000 | $60,000 | $105,000 | $20,000 | $29,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| 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 |
|---|---|---|---|---|---|---|
| Credit History | 2 | $176,000 | $88,000 | $105,000 | $25,000 | $29,000 |
| Debt-To-Income Ratio | 1 | $4,000 | $4,000 | $4,000 | $12,000 | $12,000 |
| 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 Unity National Bank's 2010 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 Unity National 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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