United Bank in Georgia vs the state
18.3%Denial rate-0.95 pts vs state
22.3%Decision denial rate-2.80 pts vs state
63.1%Origination rate+9.05 pts vs state
6.75%Median rate+0.13 pts vs state
0.17Rate spread (pts)-0.10 pts vs state
$106kMedian applicant income
197Loans originated
57Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 6 | 22.2% | 7.58% | #686 |
| 2025 | 312 | 197 | 18.3% | 6.75% | #196 |
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 |
|---|---|---|---|---|
| Fulton County | 42 | 27 | 5 | 11.9% |
| Paulding County | 42 | 29 | 6 | 14.3% |
| Cobb County | 30 | 17 | 9 | 30.0% |
| White County | 20 | 14 | 3 | 15.0% |
| DeKalb County | 20 | 10 | 6 | 30.0% |
| Gwinnett County | 16 | 11 | 2 | 12.5% |
| Hall County | 16 | 8 | 6 | 37.5% |
| Fannin County | 14 | 6 | 4 | 28.6% |
| Forsyth County | 10 | 7 | 3 | 30.0% |
| Jackson County | 9 | 7 | 1 | 11.1% |
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: 312 applications in 2025, of which 197 were originated and 57 denied.
18.3% of all applications, or 22.3% 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 6.75%, 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