United Bank
United Bank received 1,073 applications in 2025 and made 698 mortgages, in 60 counties across 5 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 906 decisions, 174 were denials — 19.2%, most often for credit history.
| Legal Entity Identifier | 549300S61HFNW2YFEK61 |
|---|---|
| Applications received | 1,073 |
| Mortgages made | 698 |
| Denied | 174 |
| Approved, not taken up | 34 |
| Withdrawn or incomplete | 167 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2005 points |
| FDIC-insured bank | Yes: United Bank, 20 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 190 | 6.750% | $275,000 | 16.9% |
| Refinancing | 192 | 7.600% | $105,000 | 11.3% |
| Cash-out refinancing | 23 | 6.625% | $165,000 | 51.0% |
| Other purposes | 293 | 7.500% | $75,000 | 21.2% |
Where United Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Spalding County, GA | 110 | 7.500% | 16.8% |
| Pike County, GA | 86 | 7.500% | 23.2% |
| Upson County, GA | 76 | 7.500% | 17.7% |
| Lamar County, GA | 72 | 7.500% | 21.1% |
| Monroe County, GA | 58 | 7.500% | 23.4% |
| Coweta County, GA | 56 | 7.438% | 12.7% |
| Butts County, GA | 42 | 7.500% | 21.1% |
| Newton County, GA | 40 | 7.188% | 11.8% |
| Morgan County, GA | 25 | 7.500% | 20.0% |
| Jasper County, GA | 17 | 6.875% | 20.0% |
| Henry County, GA | 14 | 7.500% | 34.8% |
| Walton County, GA | 11 | 7.500% | 15.4% |
| Meriwether County, GA | 10 | 8.175% | 23.1% |
| Putnam County, GA | 9 | Under 10 loans | 9.1% |
| Bibb County, GA | 5 | Under 10 loans | 28.6% |
| Clayton County, GA | 4 | Under 10 loans | 0.0% |
| Fayette County, GA | 4 | Under 10 loans | 0.0% |
| Fulton County, GA | 4 | Under 10 loans | 20.0% |
| Heard County, GA | 4 | Under 10 loans | 20.0% |
| Oconee County, GA | 4 | Under 10 loans | 0.0% |
| Tallapoosa County, AL | 3 | Under 10 loans | 0.0% |
| Carroll County, GA | 3 | Under 10 loans | 40.0% |
| Crawford County, GA | 3 | Under 10 loans | 0.0% |
| DeKalb County, GA | 3 | Under 10 loans | 25.0% |
| Greene County, GA | 3 | Under 10 loans | 25.0% |
| Rockdale County, GA | 3 | Under 10 loans | 25.0% |
| Randolph County, AL | 2 | Under 10 loans | 25.0% |
| Douglas County, GA | 2 | Under 10 loans | 0.0% |
| Troup County, GA | 2 | Under 10 loans | 33.3% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Winston County, AL | 1 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Okaloosa County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Baldwin County, GA | 1 | Under 10 loans | 0.0% |
| Bulloch County, GA | 1 | Under 10 loans | 0.0% |
| Camden County, GA | 1 | Under 10 loans | 0.0% |
| Clarke County, GA | 1 | Under 10 loans | 0.0% |
| Crisp County, GA | 1 | Under 10 loans | 0.0% |
| Forsyth County, GA | 1 | Under 10 loans | 50.0% |
| Gilmer County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Hall County, GA | 1 | Under 10 loans | 0.0% |
| Hancock County, GA | 1 | Under 10 loans | 0.0% |
| Hart County, GA | 1 | Under 10 loans | 0.0% |
| Macon County, GA | 1 | Under 10 loans | 0.0% |
| Rabun County, GA | 1 | Under 10 loans | 0.0% |
| Talbot County, GA | 1 | Under 10 loans | 0.0% |
| Taylor County, GA | 1 | Under 10 loans | 0.0% |
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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.