United Trust Bank in Alabama vs the state
17.2%Denial rate-2.61 pts vs state
17.2%Decision denial rate-7.76 pts vs state
82.8%Origination rate+27.37 pts vs state
6.56%Median rate+0.06 pts vs state
0.46Rate spread (pts)+0.18 pts vs state
$64kMedian applicant income
24Loans originated
5Denied
Trend in Alabama
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 5 | 5 | 0.0% | 6.50% | #544 |
| 2025 | 29 | 24 | 17.2% | 6.56% | #362 |
What United Trust Bank lends in Alabama
By loan purpose
By loan type
Why it denied Alabama applicants
Where in Alabama
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Mobile County | 5 | 5 | 0 | 0.0% |
| Tuscaloosa County | 4 | 3 | 1 | 25.0% |
| Baldwin County | 3 | 3 | 0 | 0.0% |
| Cullman County | 2 | 1 | 1 | 50.0% |
| Jefferson County | 2 | 1 | 1 | 50.0% |
| Montgomery County | 2 | 2 | 0 | 0.0% |
| Marshall County | 1 | 0 | 1 | 100.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Coffee County | 1 | 1 | 0 | 0.0% |
| Autauga County | 1 | 1 | 0 | 0.0% |
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: 29 applications in 2025, of which 24 were originated and 5 denied.
17.2% of all applications, or 17.2% of the applications it actually decided on. The Alabama statewide average across all lenders was 19.9%.
The median rate on loans United Trust Bank originated in Alabama in 2025 was 6.56%, against a statewide median of 6.50%.
About this data. Figures are United Trust 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