United Bank (Virginia) mortgage approval rate & lending review
United Bank (Virginia) decided 6,461 mortgage applications and funded 5,279 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Bank (Virginia) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Bank (Virginia) at a glance
Approval is 2.5 points above the 80.1% 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 | 91% | 2,782 / 3,049 | 99% | $385K | 2,766 |
| Home improvement loans | 55% | 609 / 1,099 | 98% | $105K | 598 |
| Cash-out refinance | 79% | 106 / 134 | 98% | $265K | 104 |
| Refinance | 79% | 878 / 1,109 | 98% | $255K | 863 |
| Investment property purchase | 93% | 715 / 770 | 99% | $225K | 705 |
| Investment refinance | 84% | 151 / 179 | 99% | $175K | 150 |
| Investment home improvement | 77% | 89 / 115 | 99% | $95K | 88 |
United Bank (Virginia) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Virginia | 85% | $385K | 2,448 | 2,069 |
| Maryland | 86% | $385K | 1,091 | 933 |
| North Carolina | 79% | $265K | 890 | 687 |
| South Carolina | 77% | $225K | 844 | 640 |
| West Virginia | 81% | $165K | 457 | 363 |
| District of Columbia | 86% | $545K | 249 | 211 |
| Pennsylvania | 75% | $65K | 225 | 169 |
| Georgia | 77% | $335K | 180 | 138 |
| Florida | 95% | $555K | 43 | 40 |
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 (Virginia) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Chesterfield County, VA | Mortgage lenders | 95% | 217 | 205 |
| Henrico County, VA | Mortgage lenders | 95% | 208 | 198 |
| Fairfax County, VA | Mortgage lenders | 95% | 207 | 196 |
| Prince George's County, MD | Mortgage lenders | 89% | 195 | 170 |
| Montgomery County, MD | Mortgage lenders | 96% | 167 | 161 |
| Hanover County, VA | Mortgage lenders | 99% | 155 | 153 |
| Richmond city, VA | Mortgage lenders | 91% | 165 | 149 |
| Loudoun County, VA | Mortgage lenders | 98% | 121 | 119 |
| Fairfax County, VA | Refinance | 73% | 167 | 118 |
| Prince William County, VA | Mortgage lenders | 94% | 123 | 115 |
| Monongalia County, WV | Mortgage lenders | 94% | 72 | 68 |
| Montgomery County, MD | Refinance | 83% | 81 | 65 |
The county markets where United Bank (Virginia) made the most loans. Each link opens that market with every lender ranked.
Questions about United Bank (Virginia)
What is United Bank (Virginia)'s mortgage approval rate?
United Bank (Virginia) approved 82.6% of the 6,461 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.5 points above the 80.1% national rate for the same mix of loan types.
How often do borrowers take the loan United Bank (Virginia) offers?
Borrowers accepted 99% of the loans United Bank (Virginia) 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 (Virginia) make?
The typical home purchase mortgage loan United Bank (Virginia) made was $385K; across all loan types its typical loan ran from $95K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Bank (Virginia) lend?
United Bank (Virginia) decided applications in 17 of the states Fat Boy Data covers, most of them in Virginia, Maryland and North Carolina.
Can I apply to United Bank (Virginia) directly?
Yes. United Bank (Virginia) 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 (Virginia)'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 (Virginia) treats applications, then get a rate quote from the lender.