United Bank in Georgia vs the state
16.3%Denial rate-2.90 pts vs state
19.3%Decision denial rate-5.77 pts vs state
65.1%Origination rate+11.00 pts vs state
7.50%Median rate+0.88 pts vs state
0.21Rate spread (pts)-0.06 pts vs state
$99kMedian applicant income
686Loans originated
172Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,172 | 834 | 12.8% | 8.25% | #74 |
| 2024 | 1,152 | 800 | 13.3% | 8.50% | #80 |
| 2025 | 1,054 | 686 | 16.3% | 7.50% | #91 |
What United Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most United Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Spalding County | 156 | 110 | 23 | 14.7% |
| Pike County | 130 | 86 | 26 | 20.0% |
| Upson County | 116 | 76 | 17 | 14.7% |
| Lamar County | 113 | 72 | 20 | 17.7% |
| Monroe County | 86 | 58 | 18 | 20.9% |
| Coweta County | 82 | 56 | 9 | 11.0% |
| Butts County | 71 | 42 | 12 | 16.9% |
| Newton County | 65 | 40 | 6 | 9.2% |
| Morgan County | 43 | 25 | 7 | 16.3% |
| Jasper County | 30 | 17 | 5 | 16.7% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 1,054 applications in 2025, of which 686 were originated and 172 denied.
16.3% of all applications, or 19.3% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans United Bank originated in Georgia in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are United Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology