United Bank in Alabama vs the state
18.7%Denial rate-1.18 pts vs state
20.9%Decision denial rate-4.10 pts vs state
68.7%Origination rate+13.28 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
103Loans originated
28Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 156 | 81 | 29.5% | — | #153 |
| 2024 | 111 | 68 | 21.6% | — | #204 |
| 2025 | 150 | 103 | 18.7% | — | #181 |
What United Bank lends in Alabama
By loan purpose
By loan type
Where in Alabama
Counties with the most United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Baldwin County | 65 | 44 | 14 | 21.5% |
| Mobile County | 35 | 32 | 2 | 5.7% |
| Wilcox County | 16 | 5 | 4 | 25.0% |
| Escambia County | 14 | 9 | 3 | 21.4% |
| Monroe County | 13 | 7 | 5 | 38.5% |
| Autauga County | 2 | 2 | 0 | 0.0% |
| Conecuh County | 2 | 1 | 0 | 0.0% |
| Henry County | 1 | 1 | 0 | 0.0% |
| Macon County | 1 | 1 | 0 | 0.0% |
| Jefferson County | 1 | 1 | 0 | 0.0% |
Other large lenders in Alabama
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Regions Bank | C | 11,871 | 37.2% | 4.99% |
| Rocket Mortgage | C | 9,941 | 20.5% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 8,461 | 41.4% | 9.50% |
| United Shore Financial Services | B | 7,689 | 12.0% | 6.13% |
| 21st Mortgage | F | 6,507 | 46.0% | 9.98% |
| Mortgage Research Center | C | 5,107 | 18.4% | 6.25% |
| REDSTONE Federal Credit Union | C | 4,548 | 18.9% | 8.13% |
| Dhi Mortgage Company | B | 3,909 | 17.5% | 4.99% |
| Freedom Mortgage | B | 3,725 | 8.7% | 6.25% |
| Pennymac Loan Services | C | 3,611 | 11.6% | 6.25% |
Frequently asked questions
Alabama: 150 applications in 2025, of which 103 were originated and 28 denied.
18.7% of all applications, or 20.9% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are United Bank's own HMDA filing for properties located in Alabama, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology