United Bank
United Bank received 176 applications in 2025 and made 123 mortgages, in 21 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 158 decisions, 32 were denials — 20.3%.
| Legal Entity Identifier | 549300OPKCV6BLMDSL66 |
|---|---|
| Applications received | 176 |
| Mortgages made | 123 |
| Denied | 32 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: United Bank, 20 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 63 | Not published | $205,000 | 14.9% |
| Refinancing | 43 | Not published | $105,000 | 12.0% |
| Cash-out refinancing | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Other purposes | 14 | Not published | $110,000 | 42.9% |
Where United Bank lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Baldwin County, AL | 44 | Not published | 23.7% |
| Mobile County, AL | 32 | Not published | 5.9% |
| Escambia County, AL | 9 | Under 10 loans | 25.0% |
| Santa Rosa County, FL | 9 | Under 10 loans | 25.0% |
| Monroe County, AL | 7 | Under 10 loans | 38.5% |
| Wilcox County, AL | 5 | Under 10 loans | 40.0% |
| Autauga County, AL | 2 | Under 10 loans | 0.0% |
| Escambia County, FL | 2 | Under 10 loans | 0.0% |
| Dougherty County, GA | 2 | Under 10 loans | 0.0% |
| Conecuh County, AL | 1 | Under 10 loans | 0.0% |
| Henry County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Macon County, AL | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Meriwether County, GA | 1 | Under 10 loans | 0.0% |
| Muscogee County, GA | 1 | Under 10 loans | 0.0% |
| Upson County, GA | 1 | Under 10 loans | 0.0% |
| Webster Parish, LA | 1 | Under 10 loans | 0.0% |
| Forrest County, MS | 1 | Under 10 loans | 0.0% |
| Hinds County, MS | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 0 | Under 10 loans | 100.0% |
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When United Bank’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.