United Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
19th20.3% deniedProcesswithdrawn + incomplete share, weight 15%
57th10.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 184 | 96 | 30.4% | 35.9% | — | $22M |
| 2024 | 143 | 88 | 21.7% | 25.6% | — | $17M |
| 2025 | 176 | 123 | 18.2% | 20.3% | — | $40M |
What United 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, 21 manufactured homes, 81 investment properties.
Who gets approved at United Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 9 | 57.1% |
| $50k – $100k | 41 | 20 | 31.3% |
| $100k – $150k | 22 | 16 | 20.0% |
| $150k – $250k | 21 | 16 | 15.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 22 | 16 | 20.0% |
| 55–64 | 26 | 14 | 39.1% |
| 65–74 | 29 | 16 | 25.0% |
Where United Bank lends
5 states and 21 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
United Bank denied 20.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 19th percentile of small mortgage lenders.
In 2025, 48% of its applications were for home purchases, 34% for refinancing (including cash-out), and 18% 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.