United Bank in Alabama vs the state
9.1%Denial rate-10.76 pts vs state
11.1%Decision denial rate-13.89 pts vs state
63.6%Origination rate+8.25 pts vs state
6.75%Median rate+0.25 pts vs state
0.07Rate spread (pts)-0.21 pts vs state
$200kMedian applicant income
7Loans originated
1Denied
What United Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Randolph County | 4 | 2 | 1 | 25.0% |
| Tallapoosa County | 4 | 3 | 0 | 0.0% |
| Baldwin County | 2 | 1 | 0 | 0.0% |
| Winston 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: 11 applications in 2025, of which 7 were originated and 1 denied.
9.1% of all applications, or 11.1% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans United Bank originated in Alabama in 2025 was 6.75%, against a statewide median of 6.50%.
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