United Cumberland Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
38th12.7% deniedProcesswithdrawn + incomplete share, weight 15%
33rd15.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 294 | 229 | 11.6% | 12.4% | — | $33M |
| 2024 | 283 | 237 | 8.5% | 8.8% | — | $42M |
| 2025 | 270 | 198 | 10.7% | 12.7% | — | $36M |
What United Cumberland Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 18 manufactured homes, 26 investment properties.
Who gets approved at United Cumberland Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 64 | 44 | 18.5% |
| $50k – $100k | 109 | 82 | 9.9% |
| $100k – $150k | 46 | 40 | 0.0% |
| $150k – $250k | 22 | 19 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 26 | 16 | 15.8% |
| 25–34 | 82 | 63 | 11.3% |
| 35–44 | 47 | 39 | 9.3% |
| 45–54 | 32 | 19 | 9.5% |
| 55–64 | 46 | 31 | 22.0% |
| 65–74 | 27 | 22 | 8.3% |
Where United Cumberland Bank lends
3 states and 17 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
United Cumberland Bank denied 12.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 38th percentile of small mortgage lenders.
In 2025, 39% of its applications were for home purchases, 49% for refinancing (including cash-out), and 12% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.