UBank
UBank received 57 applications in 2025 and made 47 mortgages, in 12 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $85,000. Of 52 decisions, 5 were denials — 9.6%.
| Legal Entity Identifier | 549300BG5GYUSWMP2R94 |
|---|---|
| Applications received | 57 |
| Mortgages made | 47 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 5 |
| 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 | 20 | Not published | $250,000 | 16.7% |
| Refinancing | 22 | Not published | $45,000 | 0.0% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 16.7% |
Where UBank lends most
The 12 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Campbell County, TN | 20 | Not published | 9.1% |
| Knox County, TN | 11 | Not published | 0.0% |
| Whitley County, KY | 7 | Under 10 loans | 0.0% |
| Roane County, TN | 3 | Under 10 loans | 0.0% |
| Blount County, TN | 1 | Under 10 loans | 0.0% |
| Hamblen County, TN | 1 | Under 10 loans | 0.0% |
| Hamilton County, TN | 1 | Under 10 loans | 0.0% |
| Jefferson County, TN | 1 | Under 10 loans | 0.0% |
| Montgomery County, TN | 1 | Under 10 loans | 0.0% |
| Sevier County, TN | 1 | Under 10 loans | 66.7% |
| McCreary County, KY | 0 | Under 10 loans | 100.0% |
| Loudon County, TN | 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.