United Bank (Alabama) mortgage approval rate & lending review
United Bank (Alabama) decided 277 mortgage applications and funded 201 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Bank (Alabama) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Bank (Alabama) at a glance
Approval is 5.1 points below the 79.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 72% | 58 / 80 | 93% | $255K | 54 |
| Home improvement loans | 58% | 19 / 33 | 100% | $55K | 19 |
| Refinance | 60% | 25 / 42 | 100% | $55K | 25 |
| Investment property purchase | 95% | 58 / 61 | 98% | $145K | 57 |
| Investment refinance | 97% | 38 / 39 | 100% | $115K | 38 |
United Bank (Alabama) lending by state
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where United Bank (Alabama) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Baldwin County, AL | Mortgage lenders | 76% | 59 | 41 |
| Baldwin County, AL | Investment property purchase | 97% | 32 | 30 |
| Mobile County, AL | Investment refinance | 100% | 26 | 26 |
| Baldwin County, AL | Home improvement loans | 72% | 25 | 18 |
| Baldwin County, AL | Refinance | 53% | 32 | 17 |
The county markets where United Bank (Alabama) made the most loans. Each link opens that market with every lender ranked.
Questions about United Bank (Alabama)
What is United Bank (Alabama)'s mortgage approval rate?
United Bank (Alabama) approved 74.4% of the 277 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.1 points below the 79.5% national rate for the same mix of loan types.
How often do borrowers take the loan United Bank (Alabama) offers?
Borrowers accepted 98% of the loans United Bank (Alabama) approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does United Bank (Alabama) make?
The typical home purchase mortgage loan United Bank (Alabama) made was $255K; across all loan types its typical loan ran from $55K to $255K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Bank (Alabama) lend?
United Bank (Alabama) decided applications in 2 of the states Fat Boy Data covers, most of them in Alabama and Florida.
Can I apply to United Bank (Alabama) directly?
Yes. United Bank (Alabama) is a bank or credit union with 276 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United Bank (Alabama)'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how United Bank (Alabama) treats applications, then get a rate quote from the lender.