Unified Bank 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%
31st14.8% deniedProcesswithdrawn + incomplete share, weight 15%
70th7.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 209 | 164 | 8.6% | 9.0% | — | $16M |
| 2024 | 219 | 168 | 11.4% | 11.7% | — | $26M |
| 2025 | 241 | 171 | 13.7% | 14.8% | — | $28M |
What Unified Bank 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, 7 manufactured homes, 41 investment properties.
Who gets approved at Unified Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 63 | 34 | 25.5% |
| $50k – $100k | 92 | 65 | 17.4% |
| $100k – $150k | 33 | 23 | 13.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 26 | 17 | 18.2% |
| 25–34 | 38 | 27 | 11.8% |
| 35–44 | 30 | 23 | 6.9% |
| 45–54 | 32 | 21 | 13.8% |
| 55–64 | 40 | 24 | 20.0% |
| 65–74 | 30 | 19 | 26.7% |
Where Unified Bank lends
4 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 184 | 129 | 13.6% | — | #249 |
| West Virginia | 53 | 39 | 13.2% | — | #133 |
Frequently asked questions
Unified Bank denied 14.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 31st percentile of small mortgage lenders.
In 2025, 54% of its applications were for home purchases, 30% for refinancing (including cash-out), and 16% for home improvement or other purposes. By loan type: 100% 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.