United Southern Bank mortgage approval rate & lending review
United Southern Bank decided 438 mortgage applications and funded 372 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Southern Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Southern Bank at a glance
Approval is 8.2 points above the 84.5% 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 | 94% | 224 / 239 | 89% | $305K | 199 |
| Home improvement loans | 75% | 21 / 28 | 81% | $45K | 17 |
| Investment property purchase | 96% | 121 / 126 | 97% | $155K | 117 |
United Southern Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Florida | 93% | $305K | 437 | 372 |
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 Southern Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Lake County, FL | Mortgage lenders | 95% | 162 | 137 |
| Lake County, FL | Investment property purchase | 100% | 63 | 60 |
| Sumter County, FL | Mortgage lenders | 90% | 30 | 22 |
| Sumter County, FL | Investment property purchase | 92% | 24 | 21 |
| Lake County, FL | Home improvement loans | 86% | 21 | 14 |
The county markets where United Southern Bank made the most loans. Each link opens that market with every lender ranked.
Questions about United Southern Bank
What is United Southern Bank's mortgage approval rate?
United Southern Bank approved 92.7% of the 438 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.2 points above the 84.5% national rate for the same mix of loan types.
How often do borrowers take the loan United Southern Bank offers?
Borrowers accepted 92% of the loans United Southern Bank 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 Southern Bank make?
The typical home purchase mortgage loan United Southern Bank made was $305K; across all loan types its typical loan ran from $45K to $305K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Southern Bank lend?
United Southern Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Florida and Georgia.
Can I apply to United Southern Bank directly?
Yes. United Southern Bank is a bank or credit union with 21 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United Southern Bank'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 Southern Bank treats applications, then get a rate quote from the lender.