Applications / Mortgage Analytics / Lenders / Virginia / United Bank VA
Fairfax, VA · State member bank · FRS · $33.5 billion assets · 3,094 loans in 2025
United Bank VA's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
3,094
loans originated, 2025
4,545
applications, 2025
17
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Bank VA, a Virginia bank lending in 17 states, lends more in LMI and majority-minority areas than most similar banks, though its loan count fell 12% in 2025.
Originations fell 12% to 3,094, among the lowest tenth of similar lenders (state member banks making between half and twice as many loans), which typically grew 4%; the whole market grew 10%. One possibility is that 2024, at 3,535 loans against 1,713 in 2023, was the exceptional year: 2025 is still its second-highest since 2018, and the amount lent rose to $1.50 billion.
Low- and moderate-income (LMI) borrowers took 31.1% of its loans against 25.2%, LMI tracts 21.4% against 14.9%, and majority-minority tracts 27.6% against 12.9%; on the last two it is higher than about four in five similar lenders. Five years ago that last share was 6.1%; mergers since, including Carolina Financial in 2020, may have changed where it lends.
It bought 249 loans from other lenders, down from 1,474 the year before, while similar lenders typically bought 1. These are counted apart from its own 3,094 loans; the fall may reflect a choice to buy fewer.
Higher-priced loans (a rate well above the average for similar loans) were 1.0% against 1.2%, and its typical rate, 6.62%, was slightly lower than peers' 6.81%. It turned down 10.2% of first-lien refinance applications on owner-occupied homes, lower than about three in four similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Bank VA took 4,545 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.5% · Refinance 23.6% · Home improvement 13.0% · Other 4.0%
Conventional 92.0% · FHA 4.9% · VA 2.2% · USDA (RHS or FSA) 0.8% · of 3,094 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Virginia | 1,374 | 44.4% |
| North Carolina | 419 | 13.5% |
| West Virginia | 332 | 10.7% |
| Maryland | 318 | 10.3% |
| South Carolina | 220 | 7.1% |
| Georgia | 197 | 6.4% |
| District of Columbia | 110 | 3.6% |
| Pennsylvania | 77 | 2.5% |
| Florida | 16 | 0.5% |
| Ohio | 14 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Arlington-Alexandria-Reston | 539 |
| Richmond | 519 |
| Washington | 181 |
| Frederick-Gaithersburg-Bethesda | 145 |
| Charlotte-Concord-Gastonia | 89 |
| Morgantown | 87 |
| Atlanta-Sandy Springs-Roswell | 82 |
| Hagerstown-Martinsburg | 75 |
| Harrisonburg | 72 |
| Wilmington | 72 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MKOZ81ZWTNKB12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 365325 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2365325 | 1990–2017 |
Established 10 May 1979. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: United Bank VA's data.
United Bank VA's data
$215
United Bank VA and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy United Bank VA's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]