United Community Bank (Illinois) mortgage approval rate & lending review
United Community Bank (Illinois) decided 1,840 mortgage applications and funded 1,701 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Community Bank (Illinois) reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Community Bank (Illinois) at a glance
Approval is 14.2 points above the 78.6% 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 | 95% | 662 / 696 | 100% | $155K | 659 |
| Home improvement loans | 90% | 326 / 362 | 100% | $35K | 326 |
| Cash-out refinance | 76% | 47 / 62 | 100% | $95K | 47 |
| Refinance | 91% | 405 / 446 | 100% | $55K | 403 |
| Investment property purchase | 98% | 180 / 184 | 99% | $105K | 179 |
| Investment refinance | 98% | 65 / 66 | 100% | $105K | 65 |
United Community Bank (Illinois) lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 93% | $105K | 1,754 | 1,619 |
| Florida | 97% | $615K | 34 | 33 |
| Missouri | 100% | $175K | 32 | 32 |
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 Community Bank (Illinois) lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Sangamon County, IL | Mortgage lenders | 96% | 463 | 445 |
| Sangamon County, IL | Refinance | 91% | 331 | 299 |
| Sangamon County, IL | Home improvement loans | 91% | 247 | 224 |
| Madison County, IL | Mortgage lenders | 92% | 143 | 129 |
| Sangamon County, IL | Investment property purchase | 97% | 116 | 112 |
| Madison County, IL | Refinance | 97% | 94 | 90 |
| Madison County, IL | Home improvement loans | 90% | 89 | 80 |
| Sangamon County, IL | Cash-out refinance | 75% | 48 | 36 |
| Madison County, IL | Investment property purchase | 97% | 32 | 31 |
| Sangamon County, IL | Investment refinance | 97% | 32 | 31 |
The county markets where United Community Bank (Illinois) made the most loans. Each link opens that market with every lender ranked.
Questions about United Community Bank (Illinois)
What is United Community Bank (Illinois)'s mortgage approval rate?
United Community Bank (Illinois) approved 92.8% of the 1,840 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.2 points above the 78.6% national rate for the same mix of loan types.
How often do borrowers take the loan United Community Bank (Illinois) offers?
Borrowers accepted 100% of the loans United Community Bank (Illinois) 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 Community Bank (Illinois) make?
The typical home purchase mortgage loan United Community Bank (Illinois) made was $155K; across all loan types its typical loan ran from $35K to $155K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Community Bank (Illinois) lend?
United Community Bank (Illinois) decided applications in 17 of the states Fat Boy Data covers, most of them in Illinois, Florida and Missouri.
Can I apply to United Community Bank (Illinois) directly?
Yes. United Community Bank (Illinois) is a bank or credit union with 255 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United Community Bank (Illinois)'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 Community Bank (Illinois) treats applications, then get a rate quote from the lender.