United Southern 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%
47th10.5% deniedProcesswithdrawn + incomplete share, weight 15%
53rd11.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 199 | 159 | 5.5% | 6.0% | — | $48M |
| 2024 | 172 | 130 | 7.0% | 7.5% | — | $34M |
| 2025 | 172 | 126 | 9.3% | 10.5% | — | $40M |
What United Southern 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, 34 manufactured homes, 51 investment properties.
Who gets approved at United Southern Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 32 | 22 | 17.9% |
| $150k – $250k | 32 | 25 | 10.7% |
| Over $250k | 27 | 19 | 4.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 24 | 14 | 13.0% |
| 45–54 | 21 | 15 | 11.1% |
| 55–64 | 28 | 20 | 12.5% |
| 65–74 | 32 | 21 | 15.4% |
Where United Southern Bank lends
1 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 172 | 126 | 9.3% | — | #395 |
Frequently asked questions
United Southern Bank denied 10.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 47th percentile of small mortgage lenders.
In 2025, 74% of its applications were for home purchases, 13% for refinancing (including cash-out), and 13% 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.