United Community Bank in Alabama vs the state
18.0%Denial rate-1.86 pts vs state
20.6%Decision denial rate-4.42 pts vs state
67.4%Origination rate+12.03 pts vs state
6.50%Median rate0.00 pts vs state
0.03Rate spread (pts)-0.26 pts vs state
$103kMedian applicant income
476Loans originated
127Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 952 | 421 | 31.9% | 7.25% | #43 |
| 2024 | 649 | 430 | 18.5% | 6.75% | #63 |
| 2025 | 706 | 476 | 18.0% | 6.50% | #66 |
What United Community Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most United Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tuscaloosa County | 160 | 120 | 21 | 13.1% |
| Madison County | 101 | 57 | 34 | 33.7% |
| Jefferson County | 99 | 66 | 10 | 10.1% |
| Lauderdale County | 69 | 55 | 13 | 18.8% |
| Morgan County | 51 | 38 | 3 | 5.9% |
| Baldwin County | 31 | 17 | 10 | 32.3% |
| Colbert County | 25 | 19 | 2 | 8.0% |
| Shelby County | 20 | 17 | 2 | 10.0% |
| Mobile County | 19 | 11 | 4 | 21.1% |
| Limestone County | 14 | 8 | 5 | 35.7% |
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: 706 applications in 2025, of which 476 were originated and 127 denied.
18.0% of all applications, or 20.6% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans United Community Bank originated in Alabama in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are United Community 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