# United Bank

> **Canonical URL:** https://saferate.com/lenders/united-bank-ga


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


United Bank is a bank, headquartered in Zebulon, GA, serving borrowers across 5 states, with 182 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 77% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 61% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300S61HFNW2YFEK61
- **Headquarters:** Zebulon, GA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CO, FL, GA, NC, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 23/100
- Rating: ●●○○○ (2/5)

### Pull Through: Acceptable 🙂
- Score: 39/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.139%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $3,325
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 182
- **Dollar Volume:** $54 million
- **Applications Received:** 338
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $296,484
- **Average Borrower Income:** $180,407
- **Average Property Value:** $513,681

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 171 | +0.141% | $3,260 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 129 loans, Score: 49/100 (Sound)
- Refinance: 42 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 140 | $47M | +0.076% | Sound ☺️ |
| Refinance | 40/100 | 42 | $7M | +0.365% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 176 | 0.13% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Atlanta | GA | 100 | 72/100 |
| Non |  | 48 | 47/100 |
| Macon | GA | 23 | 66/100 |

## Where This Lender Ranks

United Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#9** in Macon Banks
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders/banks)
- 🏆 **#11** in Macon for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/macon/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does United Bank offer?

United Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does United Bank offer mortgages?

United Bank offers mortgages in 5 states: CO, FL, GA, NC, TN.

### How competitive are United Bank's mortgage rates?

United Bank has a pricing score of 23/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.139% above market average.

### What type of lender is United Bank?

United Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Zebulon, GA.

### What is United Bank's loan approval success rate?

United Bank has a pull-through score of 39/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/united-bank-ga

### How to Cite

> "United Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-bank-ga

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