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- Data Updated through 2023
United Bank Inc
HMDA Loan Application Totals
and Mortgage Lending Details
for 2016
United Bank Inc 2016 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 Bank Inc 5Th & Avery/United Square Parkersburg, WV 26102 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,539 |
| Total Mortgage Loan Application Amount | $423,772,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $14,330,000 |
| Average Applicant Income | $90,333 |
| Highest Applicant Income | $1,655,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2016 with United Bank Inc. 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 Bank Inc's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2016 breaks down United Bank Inc'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 Bank Inc serves its applicants.
Each category highlights the total number of mortgage applications processed by United Bank Inc, 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 Bank Inc's mortgage activity for 2016.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Allegany County Maryland | 1 | $ 100,000 | $ 100,000 | $ 0 |
| Allegheny County Pennsylvania | 21 | $ 813,000 | $ 38,000 | $ 40,000 |
| Amherst County Virginia | 1 | $ 121,000 | $ 121,000 | $ 0 |
| Anne Arundel County Maryland | 3 | $ 1,892,000 | $ 630,000 | $ 331,000 |
| Athens County Ohio | 1 | $ 41,000 | $ 41,000 | $ 97,000 |
| Baltimore City County Maryland | 2 | $ 2,010,000 | $ 1,005,000 | $ 496,000 |
| Baltimore County Maryland | 6 | $ 7,282,000 | $ 1,213,000 | $ 589,000 |
| Beaufort County South Carolina | 2 | $ 438,000 | $ 219,000 | $ 0 |
| Beaver County Pennsylvania | 5 | $ 87,000 | $ 17,000 | $ 30,000 |
| Bedford County Pennsylvania | 1 | $ 11,000 | $ 11,000 | $ 40,000 |
| Belmont County Ohio | 39 | $ 3,234,000 | $ 82,000 | $ 72,000 |
| Berkeley County West Virginia | 135 | $ 24,002,000 | $ 177,000 | $ 89,000 |
| Boone County Kentucky | 1 | $ 145,000 | $ 145,000 | $ 97,000 |
| Boone County West Virginia | 8 | $ 644,000 | $ 80,000 | $ 88,000 |
| Boyd County Kentucky | 5 | $ 736,000 | $ 147,000 | $ 91,000 |
| Braxton County West Virginia | 4 | $ 259,000 | $ 64,000 | $ 34,000 |
| Brooke County West Virginia | 6 | $ 474,000 | $ 79,000 | $ 69,000 |
| Buncombe County North Carolina | 1 | $ 920,000 | $ 920,000 | $ 761,000 |
| Butler County Pennsylvania | 2 | $ 837,000 | $ 418,000 | $ 14,000 |
| Cabarrus County North Carolina | 1 | $ 25,000 | $ 25,000 | $ 41,000 |
| Cabell County West Virginia | 75 | $ 15,331,000 | $ 204,000 | $ 111,000 |
| Calhoun County West Virginia | 5 | $ 310,000 | $ 62,000 | $ 135,000 |
| Carroll County Maryland | 1 | $ 205,000 | $ 205,000 | $ 317,000 |
| Carteret County North Carolina | 1 | $ 319,000 | $ 319,000 | $ 0 |
| Catawba County North Carolina | 1 | $ 490,000 | $ 490,000 | $ 0 |
| Cecil County Maryland | 1 | $ 25,000 | $ 25,000 | $ 38,000 |
| Clarke County Virginia | 1 | $ 40,000 | $ 40,000 | $ 360,000 |
| Clay County West Virginia | 1 | $ 5,000 | $ 5,000 | $ 36,000 |
| Clearfield County Pennsylvania | 1 | $ 7,000 | $ 7,000 | $ 26,000 |
| Collier County Florida | 1 | $ 300,000 | $ 300,000 | $ 0 |
| Crawford County Pennsylvania | 7 | $ 99,000 | $ 14,000 | $ 46,000 |
| Cuyahoga County Ohio | 4 | $ 66,000 | $ 16,000 | $ 62,000 |
| Davidson County North Carolina | 1 | $ 502,000 | $ 502,000 | $ 157,000 |
| Davidson County Tennessee | 3 | $ 435,000 | $ 145,000 | $ 288,000 |
| Davie County North Carolina | 2 | $ 857,000 | $ 428,000 | $ 85,000 |
| District of Columbia County District Of Columbia | 3 | $ 16,162,000 | $ 5,387,000 | $ 183,000 |
| Doddridge County West Virginia | 3 | $ 318,000 | $ 106,000 | $ 45,000 |
| Eagle County Colorado | 1 | $ 1,816,000 | $ 1,816,000 | $ 588,000 |
| Erie County Ohio | 2 | $ 21,000 | $ 10,000 | $ 37,000 |
| Fairfax County Virginia | 7 | $ 7,304,000 | $ 1,043,000 | $ 36,000 |
| Fayette County Pennsylvania | 175 | $ 17,336,000 | $ 99,000 | $ 64,000 |
| Fayette County West Virginia | 37 | $ 3,837,000 | $ 103,000 | $ 61,000 |
| Franklin County Ohio | 2 | $ 492,000 | $ 246,000 | $ 115,000 |
| Franklin County Pennsylvania | 32 | $ 7,836,000 | $ 244,000 | $ 38,000 |
| Franklin County Virginia | 2 | $ 749,000 | $ 374,000 | $ 66,000 |
| Frederick County Maryland | 6 | $ 1,847,000 | $ 307,000 | $ 88,000 |
| Frederick County Virginia | 1 | $ 553,000 | $ 553,000 | $ 1,655,000 |
| Garrett County Maryland | 7 | $ 2,216,000 | $ 316,000 | $ 172,000 |
| Gilmer County West Virginia | 20 | $ 1,287,000 | $ 64,000 | $ 46,000 |
| Greenbrier County West Virginia | 7 | $ 4,253,000 | $ 607,000 | $ 288,000 |
| Greene County Pennsylvania | 12 | $ 610,000 | $ 50,000 | $ 82,000 |
| Greenup County Kentucky | 1 | $ 159,000 | $ 159,000 | $ 0 |
| Greenville County South Carolina | 1 | $ 332,000 | $ 332,000 | $ 189,000 |
| Hampshire County West Virginia | 2 | $ 196,000 | $ 98,000 | $ 128,000 |
| Hancock County West Virginia | 10 | $ 932,000 | $ 93,000 | $ 93,000 |
| Harrison County Ohio | 10 | $ 275,000 | $ 27,000 | $ 43,000 |
| Harrison County West Virginia | 23 | $ 1,288,000 | $ 56,000 | $ 46,000 |
| Henrico County Virginia | 2 | $ 27,000 | $ 13,000 | $ 46,000 |
| Horry County South Carolina | 5 | $ 616,000 | $ 123,000 | $ 189,000 |
| Indiana County Pennsylvania | 4 | $ 157,000 | $ 39,000 | $ 33,000 |
| Jackson County West Virginia | 77 | $ 5,614,000 | $ 72,000 | $ 63,000 |
| Jefferson County Ohio | 14 | $ 522,000 | $ 37,000 | $ 69,000 |
| Jefferson County Pennsylvania | 2 | $ 14,000 | $ 7,000 | $ 24,000 |
| Jefferson County West Virginia | 75 | $ 14,949,000 | $ 199,000 | $ 100,000 |
| Kanawha County West Virginia | 202 | $ 41,815,000 | $ 207,000 | $ 139,000 |
| Lake County Ohio | 3 | $ 32,000 | $ 10,000 | $ 38,000 |
| Lancaster County Pennsylvania | 1 | $ 4,000 | $ 4,000 | $ 42,000 |
| Lawrence County Ohio | 17 | $ 1,737,000 | $ 102,000 | $ 61,000 |
| Lewis County West Virginia | 35 | $ 3,009,000 | $ 85,000 | $ 75,000 |
| Lexington County South Carolina | 1 | $ 11,000 | $ 11,000 | $ 103,000 |
| Licking County Ohio | 1 | $ 129,000 | $ 129,000 | $ 43,000 |
| Lincoln County West Virginia | 2 | $ 410,000 | $ 205,000 | $ 146,000 |
| Logan County West Virginia | 15 | $ 867,000 | $ 57,000 | $ 77,000 |
| Loudoun County Virginia | 4 | $ 1,309,000 | $ 327,000 | $ 553,000 |
| Marion County West Virginia | 33 | $ 4,389,000 | $ 133,000 | $ 43,000 |
| Marshall County West Virginia | 24 | $ 2,489,000 | $ 103,000 | $ 54,000 |
| Mecklenburg County North Carolina | 1 | $ 375,000 | $ 375,000 | $ 610,000 |
| Medina County Ohio | 5 | $ 69,000 | $ 13,000 | $ 44,000 |
| Meigs County Ohio | 3 | $ 418,000 | $ 139,000 | $ 2,000 |
| Mercer County West Virginia | 1 | $ 20,000 | $ 20,000 | $ 26,000 |
| Mingo County West Virginia | 2 | $ 158,000 | $ 79,000 | $ 89,000 |
| Monongalia County West Virginia | 295 | $ 66,646,000 | $ 225,000 | $ 93,000 |
| Monroe County Ohio | 1 | $ 272,000 | $ 272,000 | $ 133,000 |
| Monroe County Pennsylvania | 1 | $ 25,000 | $ 25,000 | $ 106,000 |
| Montgomery County Maryland | 3 | $ 2,209,000 | $ 736,000 | $ 52,000 |
| Morgan County Ohio | 1 | $ 600,000 | $ 600,000 | $ 0 |
| Morgan County West Virginia | 1 | $ 58,000 | $ 58,000 | $ 0 |
| Nicholas County West Virginia | 26 | $ 2,758,000 | $ 106,000 | $ 81,000 |
| Ohio County West Virginia | 69 | $ 6,757,000 | $ 97,000 | $ 83,000 |
| Orange County Florida | 1 | $ 224,000 | $ 224,000 | $ 80,000 |
| Palm Beach County Florida | 1 | $ 166,000 | $ 166,000 | $ 300,000 |
| Payne County Oklahoma | 2 | $ 390,000 | $ 195,000 | $ 425,000 |
| Pender County North Carolina | 1 | $ 68,000 | $ 68,000 | $ 51,000 |
| Philadelphia County Pennsylvania | 2 | $ 438,000 | $ 219,000 | $ 181,000 |
| Pleasants County West Virginia | 4 | $ 833,000 | $ 208,000 | $ 135,000 |
| Portage County Ohio | 9 | $ 92,000 | $ 10,000 | $ 52,000 |
| Preston County West Virginia | 13 | $ 1,500,000 | $ 115,000 | $ 131,000 |
| Prince George's County Maryland | 2 | $ 232,000 | $ 116,000 | $ 39,000 |
| Prince William County Virginia | 2 | $ 157,000 | $ 78,000 | $ 79,000 |
| Putnam County West Virginia | 57 | $ 13,309,000 | $ 233,000 | $ 128,000 |
| Raleigh County West Virginia | 92 | $ 17,659,000 | $ 191,000 | $ 96,000 |
| Randolph County West Virginia | 3 | $ 11,000 | $ 3,000 | $ 25,000 |
| Ritchie County West Virginia | 1 | $ 86,000 | $ 86,000 | $ 109,000 |
| Roane County West Virginia | 5 | $ 340,000 | $ 68,000 | $ 58,000 |
| Rockingham County Virginia | 3 | $ 210,000 | $ 70,000 | $ 35,000 |
| Shenandoah County Virginia | 3 | $ 40,000 | $ 13,000 | $ 388,000 |
| Somerset County Pennsylvania | 2 | $ 9,000 | $ 4,000 | $ 45,000 |
| St. Johns County Florida | 2 | $ 570,000 | $ 285,000 | $ 112,000 |
| Stark County Ohio | 15 | $ 171,000 | $ 11,000 | $ 41,000 |
| Suffolk County New York | 1 | $ 2,400,000 | $ 2,400,000 | $ 1,322,000 |
| Summers County West Virginia | 1 | $ 83,000 | $ 83,000 | $ 36,000 |
| Summit County Ohio | 16 | $ 185,000 | $ 11,000 | $ 49,000 |
| Surry County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 80,000 |
| Talbot County Maryland | 1 | $ 216,000 | $ 216,000 | $ 111,000 |
| Taylor County West Virginia | 1 | $ 5,000 | $ 5,000 | $ 51,000 |
| Tucker County West Virginia | 2 | $ 2,102,000 | $ 1,051,000 | $ 23,000 |
| Tyler County West Virginia | 1 | $ 162,000 | $ 162,000 | $ 69,000 |
| Upshur County West Virginia | 3 | $ 742,000 | $ 247,000 | $ 10,000 |
| Venango County Pennsylvania | 17 | $ 255,000 | $ 15,000 | $ 45,000 |
| Virginia Beach County Virginia | 1 | $ 25,000 | $ 25,000 | $ 71,000 |
| Wake County North Carolina | 1 | $ 17,000 | $ 17,000 | $ 65,000 |
| Washington County Maryland | 77 | $ 14,122,000 | $ 183,000 | $ 86,000 |
| Washington County Ohio | 19 | $ 6,080,000 | $ 320,000 | $ 210,000 |
| Washington County Pennsylvania | 8 | $ 689,000 | $ 86,000 | $ 179,000 |
| Wayne County Ohio | 2 | $ 34,000 | $ 17,000 | $ 58,000 |
| Wayne County West Virginia | 31 | $ 4,404,000 | $ 142,000 | $ 145,000 |
| Webster County Iowa | 1 | $ 100,000 | $ 100,000 | $ 34,000 |
| Webster County West Virginia | 19 | $ 686,000 | $ 36,000 | $ 45,000 |
| Westmoreland County Pennsylvania | 11 | $ 189,000 | $ 17,000 | $ 38,000 |
| Wetzel County West Virginia | 2 | $ 201,000 | $ 100,000 | $ 56,000 |
| Williamson County Tennessee | 1 | $ 417,000 | $ 417,000 | $ 0 |
| Wirt County West Virginia | 4 | $ 532,000 | $ 133,000 | $ 83,000 |
| Wood County West Virginia | 110 | $ 19,116,000 | $ 173,000 | $ 79,000 |
| Wyoming County West Virginia | 2 | $ 80,000 | $ 40,000 | $ 69,000 |
| Yadkin County North Carolina | 1 | $ 7,000 | $ 7,000 | $ 44,000 |
| York County Pennsylvania | 2 | $ 41,000 | $ 20,000 | $ 103,000 |
Mortgage Loan Application Detail Totals for United Bank Inc in 2016
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 | 1,304 | $239,553,000 | $183,000 | $2,052,000 | $87,000 | $1,655,000 |
| Refinancing | 626 | $157,595,000 | $251,000 | $14,330,000 | $112,000 | $1,416,000 |
| Home Improvement | 609 | $26,624,000 | $43,000 | $2,400,000 | $72,000 | $1,607,000 |
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 | 1,977 | $295,026,000 | $149,000 | $2,750,000 | $102,000 | $1,655,000 |
| Not applicable | 245 | $87,565,000 | $357,000 | $14,330,000 | $0 | $0 |
| Not Provided | 222 | $29,896,000 | $134,000 | $1,200,000 | $80,000 | $1,160,000 |
| Black or African American | 60 | $4,196,000 | $69,000 | $417,000 | $56,000 | $252,000 |
| Asian | 20 | $5,254,000 | $262,000 | $980,000 | $139,000 | $505,000 |
| Hispanic | 14 | $1,833,000 | $130,000 | $417,000 | $118,000 | $360,000 |
| American Indian or Alaskan Native | 1 | $2,000 | $2,000 | $2,000 | $0 | $0 |
| Native Hawaiin 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) | 2,186 | $400,667,000 | $183,000 | $14,330,000 | $95,000 | $1,655,000 |
| FHA-insured (Federal Housing Administration) | 245 | $7,066,000 | $28,000 | $249,000 | $52,000 | $992,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 55 | $7,175,000 | $130,000 | $271,000 | $49,000 | $97,000 |
| VA-guaranteed (Veterans Administration) | 53 | $8,864,000 | $167,000 | $358,000 | $75,000 | $221,000 |
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 | 1,444 | $290,619,000 | $201,000 | $14,330,000 | $101,000 | $1,655,000 |
| Application Denied By Financial Institution | 420 | $41,944,000 | $99,000 | $1,564,000 | $75,000 | $697,000 |
| Preapproval Denied by Financial Institution | 253 | $28,047,000 | $110,000 | $550,000 | $54,000 | $433,000 |
| Application Withdrawn By Applicant | 139 | $27,345,000 | $196,000 | $2,155,000 | $119,000 | $1,416,000 |
| Loan Purchased By The Institution | 137 | $15,437,000 | $112,000 | $342,000 | $59,000 | $480,000 |
| Preapproval Approved but not Accepted | 90 | $14,977,000 | $166,000 | $646,000 | $73,000 | $274,000 |
| Application Approved But Not Accepted | 56 | $5,403,000 | $96,000 | $605,000 | $75,000 | $600,000 |
| File Closed For Incompleteness | 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 | 297 | $21,304,000 | $71,000 | $480,000 | $50,000 | $274,000 |
| Debt-To-Income Ratio | 202 | $20,431,000 | $101,000 | $550,000 | $49,000 | $224,000 |
| Collateral | 69 | $13,653,000 | $197,000 | $1,564,000 | $142,000 | $697,000 |
| Credit Application Incomplete | 38 | $6,233,000 | $164,000 | $590,000 | $110,000 | $442,000 |
| Other | 38 | $4,968,000 | $130,000 | $417,000 | $102,000 | $623,000 |
| Employment History | 16 | $1,251,000 | $78,000 | $266,000 | $39,000 | $80,000 |
| Unverifiable Information | 13 | $2,151,000 | $165,000 | $417,000 | $150,000 | $543,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Bank Inc's 2016 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 Bank Inc'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 West Virginia, download the full spreadsheet
with aggregated HMDA statistics today.
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