Applications / Mortgage Analytics / Lenders / Alabama / United Bank
Atmore, AL · State non-member bank · FDIC · $1.4 billion assets · 123 loans in 2025
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123
loans originated, 2025
176
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Bank, an Alabama bank, raised its lending by 40% in 2025 as it began lending in at least five new markets in Mississippi, Louisiana, Georgia and Alabama.
It made 123 loans, up from 88, while similar lenders, state non-member banks making between half and twice as many loans, grew 9%. Its growth was faster than at more than four in five of them. It reported loans in at least five new markets in 2025, from Hattiesburg and Jackson in Mississippi to Dothan and Albany, Georgia. In Hattiesburg it took 1.0% of the dollars in its first year, ranking 27 of 177. The data do not say what drew it into these places.
Majority-minority neighborhoods took 35.0% of its loans, against 6.1% at similar lenders and 12.5% for itself in 2020. That is higher than at nearly nine in ten peers. In low- and moderate-income neighborhoods the figure was 30.3%, against 17.6%.
Its loans fell from 216 in 2018 to 88 in 2024, so the 2025 rise recovers only part of the ground. It still made fewer loans than the 176 of 2020.
Its biggest market is Daphne-Fairhope-Foley, where it has lent since 1997 and ranks 62 of 485 with 0.3% of the dollars. In Mobile it ranks 84 of 356. Its typical loan was $135,000, against $175,000 at similar lenders, and manufactured homes were 7.3% of its loans, against 3.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 176 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.2% · Refinance 37.4% · Home improvement 5.7% · Other 5.7%
Conventional 100.0% · of 123 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 |
|---|---|---|
| Alabama | 103 | 83.7% |
| Florida | 12 | 9.8% |
| Georgia | 5 | 4.1% |
| Mississippi | 2 | 1.6% |
| Louisiana | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Daphne-Fairhope-Foley | 44 |
| Mobile | 32 |
| Pensacola-Ferry Pass-Brent | 11 |
| Albany | 2 |
| Montgomery | 2 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Auburn-Opelika | 1 |
| Birmingham | 1 |
| Columbus | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OPKCV6BLMDSL66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 994435 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358 | 1997–2017 |
Established 4 January 1904. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: United Bank's data.
United Bank's data
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