United Cumberland Bank
United Cumberland Bank received 253 applications in 2025 and made 198 mortgages, in 17 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 220 decisions, 21 were denials — 9.6%.
| Legal Entity Identifier | 549300PLQ5DT613TXQ48 |
|---|---|
| Applications received | 253 |
| Mortgages made | 198 |
| Denied | 21 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 33 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: United Cumberland Bank, 7 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 60 | Not published | $125,000 | 14.3% |
| Refinancing | 108 | Not published | $105,000 | 8.4% |
| Other purposes | 30 | Not published | $305,000 | 3.2% |
Where United Cumberland Bank lends most
The 17 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| McCreary County, KY | 72 | Not published | 8.8% |
| Scott County, TN | 59 | Not published | 9.2% |
| Pulaski County, KY | 42 | Not published | 8.7% |
| Campbell County, TN | 7 | Under 10 loans | 22.2% |
| Wayne County, KY | 6 | Under 10 loans | 0.0% |
| Fayette County, KY | 3 | Under 10 loans | 0.0% |
| Boyle County, KY | 1 | Under 10 loans | 0.0% |
| Casey County, KY | 1 | Under 10 loans | 0.0% |
| Lincoln County, KY | 1 | Under 10 loans | 0.0% |
| Taylor County, KY | 1 | Under 10 loans | 0.0% |
| Benton County, TN | 1 | Under 10 loans | 0.0% |
| Blount County, TN | 1 | Under 10 loans | 0.0% |
| Knox County, TN | 1 | Under 10 loans | 0.0% |
| Morgan County, TN | 1 | Under 10 loans | 0.0% |
| Roane County, TN | 1 | Under 10 loans | 0.0% |
| Robertson County, TN | 0 | Under 10 loans | 100.0% |
| Union County, TN | 0 | Under 10 loans | 100.0% |
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When United Cumberland 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.