UBank
UBank received 62 applications in 2025 and made 44 mortgages, in 27 counties across 7 states. The median rate its borrowers got was Not published on a median loan of $340,000. Of 55 decisions, 11 were denials — 20.0%.
| Legal Entity Identifier | 549300IVS7RAU1H3GS10 |
|---|---|
| Applications received | 62 |
| Mortgages made | 44 |
| Denied | 11 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: UBank, 2 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 30 | Not published | $345,000 | 11.8% |
| Refinancing | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 37.5% |
Where UBank lends most
The 27 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Smith County, TX | 9 | Under 10 loans | 18.2% |
| Dallas County, TX | 5 | Under 10 loans | 0.0% |
| Angelina County, TX | 4 | Under 10 loans | 50.0% |
| Gregg County, TX | 3 | Under 10 loans | 25.0% |
| Harris County, TX | 3 | Under 10 loans | 0.0% |
| Henderson County, TX | 2 | Under 10 loans | 0.0% |
| Nacogdoches County, TX | 2 | Under 10 loans | 0.0% |
| Rockwall County, TX | 2 | Under 10 loans | 0.0% |
| Clay County, AR | 1 | Under 10 loans | 0.0% |
| Sacramento County, CA | 1 | Under 10 loans | 0.0% |
| Grand County, CO | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| Orange County, NY | 1 | Under 10 loans | 0.0% |
| Suffolk County, NY | 1 | Under 10 loans | 0.0% |
| Warren County, NY | 1 | Under 10 loans | 0.0% |
| Le Flore County, OK | 1 | Under 10 loans | 0.0% |
| Anderson County, TX | 1 | Under 10 loans | 0.0% |
| Bexar County, TX | 1 | Under 10 loans | 0.0% |
| Cherokee County, TX | 1 | Under 10 loans | 0.0% |
| Sabine County, TX | 1 | Under 10 loans | 0.0% |
| Shelby County, TX | 1 | Under 10 loans | 0.0% |
| Van Zandt County, TX | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 0 | Under 10 loans | 100.0% |
| Fannin County, TX | 0 | Under 10 loans | 100.0% |
| Houston County, TX | 0 | Under 10 loans | 100.0% |
| Rusk County, TX | 0 | Under 10 loans | 100.0% |
| San Augustine County, TX | 0 | Under 10 loans | Not published |
Get told when this changes
When UBank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.