PlainLender

UNITED BANK

ZEBULON, GA

UNITED BANK processed 1,171 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 809 loans with a 13.1% denial rate. Home Purchase was the primary loan purpose. Based in ZEBULON, GA. The approval rate of 69.1% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. UNITED BANK processed 1,171 HMDA-reported mortgage applications in 2024, originating 809 loans and denying 153 for a denial rate of 13.1% (applicants themselves withdrew 102 files before a decision). The average loan amount was $170,320 at a 8.180% average note rate, and applicants self-reported an average income of $35,000. The lender reports under LEI 549300S61HFNW2YFEK61 from ZEBULON, GA.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. UNITED BANK's 69.1% origination rate tells you how often an application turned into funded money; the 13.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Credit history, Debt-to-income ratio, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,149 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,171
Applications
809
Originated
13.1%
Denial Rate
$170,320
Avg Loan Amount
Avg Interest Rate: 8.180% Avg Applicant Income: $35,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,149 801 149 $170,205
FHA 13 3 2 $191,154
USDA 9 5 2 $155,000

Top loan types — UNITED BANK

Top loan types — UNITED BANK Horizontal bar chart of the top 3 items by value (applications). Top loan types — UNITED BANK Top 3 1. Conventional 1,149 2. FHA 13 3. USDA 9 Top 5 loan types by application volume at UNITED BANK (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for UNITED BANK (LEI: 549300S61HFNW2YFEK61) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Credit history
84
Debt-to-income ratio
66
Other
22
Collateral
17
Employment history
8
Insufficient cash
4
Unverifiable information
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 359 228 $302,409
Home Improvement 268 190 $82,537
Refinancing 246 202 $143,171
Other 242 168 $97,727
Cash-out Refinancing 56 21 $176,607

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 919 69.1% 12.7%
Black or African American 103 56.3% 26.2%
Asian 9 44.4% 0.0%
Joint 7 57.1% 14.3%
2 or more minority races 3 0.0% 66.7%
American Indian or Alaska Native 3 33.3% 66.7%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 1,005 68.4% 13.6%
Hispanic or Latino 23 34.8% 26.1%
Joint 11 36.4% 18.2%

Nearby Lenders in GA

Other HMDA-reporting lenders in GA with similar activity. Compare any two side-by-side.

AMERISAVE MORTGAGE COMPANY

SANDY SPRINGS, GA

107,775 apps 16,102 originated 69.0% denied

Ameris Bank

Atlanta, GA

20,452 apps 14,604 originated 7.8% denied

Equity Prime Mortgage LLC

Atlanta, GA

18,565 apps 10,954 originated 3.6% denied

RENASANT BANK

JOHNS CREEK, GA

10,267 apps 7,420 originated 9.3% denied

SYNOVUS BANK

COLUMBUS, GA

8,388 apps 5,114 originated 21.6% denied
Compare UNITED BANK vs AMERISAVE MORTGAGE COMPANY →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

Explore More Data

Bank Financial Data → Credit Union Data → Financial Advisor Lookup → Home Insurance Costs → Property Tax Data → Rent Price Data →

Frequently Asked Questions

How many mortgage applications did UNITED BANK process?
UNITED BANK processed 1,171 mortgage applications in the 2023 HMDA reporting year. Of these, 809 were originated (approved and funded), 102 were withdrawn by the applicant, and 153 were denied.
What is UNITED BANK's mortgage approval rate?
UNITED BANK has an approval (origination) rate of 69.1%, meaning 69.1% of all applications resulted in a funded mortgage. The denial rate is 13.1%.
What is the average loan amount at UNITED BANK?
The average mortgage loan amount at UNITED BANK is $170,320. The average interest rate is 8.180%. The average applicant income is $35,000.
What are the most common reasons for mortgage denial at UNITED BANK?
The most common reasons for mortgage denial at UNITED BANK are: Credit history, Debt-to-income ratio, Other. In total, 153 applications were denied out of 1,171 total applications.
What types of mortgage loans does UNITED BANK offer?
UNITED BANK processes Conventional, FHA, USDA loans. The most common type is Conventional with 1,149 applications and an average loan amount of $170,205.
What loan purposes does UNITED BANK serve?
UNITED BANK serves the following loan purposes: Home Purchase (359 applications), Home Improvement (268 applications), Refinancing (246 applications), Other (242 applications), Cash-out Refinancing (56 applications). Home Purchase is the most common purpose.
Where is UNITED BANK located?
UNITED BANK is headquartered in ZEBULON, GA. The lender is identified by LEI 549300S61HFNW2YFEK61 in HMDA data.
How does UNITED BANK compare in lending across racial demographics?
UNITED BANK reports demographic lending data under HMDA requirements. White applicants have an approval rate of 69.1% and denial rate of 12.7%; Black or African American applicants have an approval rate of 56.3% and denial rate of 26.2%; Asian applicants have an approval rate of 44.4% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.