# United Bank

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


> **📋 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 Fairfax, VA, serving borrowers across 14 states, with 2,222 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 46% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300MKOZ81ZWTNKB12
- **Headquarters:** Fairfax, VA
- **Geographic Reach:** Multi-Region
- **States Served:** 14
- **State List:** DC, DE, FL, GA, IN, KY, MD, NC, OH, PA, SC, TN, VA, WV
- **Markets (MSAs):** 22
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.057%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,034
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,222
- **Dollar Volume:** $915 million
- **Applications Received:** 2,933
- **Market Share:** 6.00%

## Typical Borrower Profile

- **Average Loan Amount:** $411,823
- **Average Borrower Income:** $163,059
- **Average Property Value:** $530,212

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 1,791 | +0.063% | $2,010 | Strong 😀 |
| FHA | 72/100 | 213 | +0.323% | $2,296 | Strong 😀 |
| VA | 72/100 | 118 | -0.522% | $2,126 | Strong 😀 |
| Jumbo | 77/100 | 80 | +0.086% | $1,575 | Strong 😀 |
| USDA | 75/100 | 20 | -0.120% | $1,891 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,575 loans, Score: 76/100 (Strong)
- Refinance: 216 loans, Score: 71/100 (Strong)

**FHA:**
- Purchase: 203 loans, Score: 72/100 (Strong)

**VA:**
- Purchase: 115 loans, Score: 73/100 (Strong)

**Jumbo:**
- Purchase: 73 loans, Score: 77/100 (Strong)

**USDA:**
- Purchase: 20 loans, Score: 75/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 77/100 | 1,986 | $824M | +0.063% | Strong 😀 |
| Refinance | 68/100 | 236 | $91M | +0.001% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| VA | 1,181 | 1.09% | 91/100 |
| MD | 498 | 0.71% | 80/100 |
| WV | 164 | 1.06% | 78/100 |
| NC | 131 | 0.09% | 60/100 |
| SC | 104 | 0.13% | 64/100 |
| DC | 83 | 1.45% | 72/100 |
| PA | 22 | 0.02% | 43/100 |
| FL | 16 | 0.01% | 35/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Richmond, VA | VA | 584 | 95/100 |
| Arlington | VA-WV | 390 | 83/100 |
| Washington, DC | DC-MD | 228 | 85/100 |
| Non |  | 214 | 59/100 |
| Baltimore | MD | 186 | 74/100 |
| Frederick | MD | 137 | 80/100 |
| Huntington |  | 58 | 69/100 |
| Harrisonburg, VA | VA | 43 | 68/100 |
| Charlotte | NC-SC | 30 | 50/100 |
| Myrtle Beach | SC | 29 | 54/100 |
| Wilmington, NC | NC | 27 | 55/100 |
| Hagerstown | MD-WV | 25 | 54/100 |
| Morgantown, WV | WV | 24 | 58/100 |
| Charleston | SC | 23 | 51/100 |
| Charleston, WV | WV | 19 | 54/100 |

## Where This Lender Ranks

United Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Richmond, VA for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Arlington for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Virginia for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Virginia for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Richmond, VA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Washington, DC for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Harrisonburg, VA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/harrisonburg-va/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Richmond, VA for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Arlington for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/arlington/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Washington, DC for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/washington-dc/best-mortgage-lenders/banks/va-loans)
- 🥉 **#3** in Frederick for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/frederick/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Huntington for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Virginia for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/virginia/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Richmond, VA Banks
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/banks)
- 🏆 **#4** in Richmond, VA for USDA Loans
  - [View Full Rankings](https://saferate.com/richmond-va/best-mortgage-lenders/usda-loans)
- 🏆 **#4** in Maryland for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/maryland/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in West Virginia for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in West Virginia for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#4** in Huntington for FHA Loans
  - [View Full Rankings](https://saferate.com/huntington/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Staunton for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/staunton/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does United Bank offer?

United Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. 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 14 states: DC, DE, FL, GA, IN, KY, MD, NC, OH, PA, SC, TN, VA, WV.

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

United Bank has a pricing score of 54/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.057% 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 Fairfax, VA.

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

United Bank has a pull-through score of 76/100 (Strong). 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-va

### How to Cite

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

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