First United at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
36th13.0% deniedProcesswithdrawn + incomplete share, weight 15%
65th8.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 367 | 266 | 11.4% | 12.5% | — | $88M |
| 2024 | 274 | 207 | 11.0% | 11.8% | — | $63M |
| 2025 | 260 | 178 | 11.9% | 13.0% | — | $65M |
What First United lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 12 manufactured homes, 52 investment properties.
Who gets approved at First United
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 18 | 23.1% |
| $50k – $100k | 64 | 47 | 10.0% |
| $100k – $150k | 43 | 32 | 17.1% |
| $150k – $250k | 35 | 25 | 12.1% |
| Over $250k | 41 | 28 | 5.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 51 | 37 | 12.5% |
| 35–44 | 55 | 39 | 13.5% |
| 45–54 | 32 | 22 | 12.9% |
| 55–64 | 35 | 22 | 21.2% |
| 65–74 | 25 | 17 | 9.1% |
Where First United lends
8 states and 36 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maryland | 155 | 107 | 11.6% | — | #190 |
| West Virginia | 85 | 60 | 10.6% | — | #102 |
| Pennsylvania | 12 | 7 | 25.0% | — | #670 |
Frequently asked questions
First United denied 13.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 36th percentile of small mortgage lenders.
In 2025, 83% of its applications were for home purchases, 16% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 98% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.