Applications / Mortgage Analytics / Lenders / Georgia / United Bank
Zebulon, GA · State non-member bank · FDIC · $2.3 billion assets · 698 loans in 2025
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698
loans originated, 2025
1,073
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Bank is a Georgia small-loan lender with more of its loans in LMI (low- and moderate-income) areas than about nine in ten similar lenders, though its loan count fell 14% in 2025.
Its typical loan was $105,000, against $195,000 at similar lenders (state non-member banks making between half and twice as many loans), among the lowest twentieth. Its lending is spread across refinance (30.8%), purchase (27.2%), home improvement (24.8%) and other purposes (17.2%), and manufactured homes were 5.2% of its loans, against 1.5% at peers.
LMI areas received 24.5% of its loans, against 15.4% at peers, and LMI borrowers 31.6%, against 26.4%, higher than about three-quarters of peers. Majority-minority areas received 13.3%, against 8.0%.
Originations fell 14%, from 809 to 698, while similar lenders grew 9% and the whole market 10%. Its dollar total fell less, from $135.0 million to $130.6 million, with its typical loan unchanged at $105,000. These figures do not show the cause; a pull-back in one product or county is one possibility.
In Macon-Bibb County, GA, where it has reported since before 1990, it ranked 21 of 328 and its share fell 0.3 points to 1.1%; Rocket Mortgage leads. Its lower loan count overall is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 took 1,073 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 30.8% · Purchase 27.2% · Home improvement 24.8% · Other 17.2%
Conventional 98.7% · FHA 0.7% · USDA (RHS or FSA) 0.4% · VA 0.1% · of 698 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 |
|---|---|---|
| Georgia | 686 | 98.3% |
| Alabama | 7 | 1.0% |
| Florida | 4 | 0.6% |
| South Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 440 |
| Macon-Bibb County | 66 |
| Athens-Clarke County | 5 |
| Crestview-Fort Walton Beach-Destin | 2 |
| Columbus | 1 |
| Daphne-Fairhope-Foley | 1 |
| Deltona-Daytona Beach-Ormond Beach | 1 |
| Gainesville | 1 |
| Panama City-Panama City Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S61HFNW2YFEK61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 37435 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3172 | 1997–2017 |
Established 31 January 1905. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: United Bank's data.
United Bank's data
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United Bank 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.
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