Lender in Virginia · HMDA 2025
United Bank mortgages in Virginia
United Bank's 2025 home-purchase and refinance lending in Virginia, compared with all lenders in the state.
United Bank originated 895 owner-occupied single-family loans in Virginia from 949 completed applications.
Its median conventional purchase loan costs were $4,870 versus $5,610 for all Virginia lenders, at a median 30-year fixed rate of 6.49% (Virginia: 6.625%).
Loans in VA
895
of 949 applications
Denial rate
4.9%
Purchase · VA 6.9%
Rate spread
+0.05 pts
Conv. · VA +0.10 pts
Loan amount
$355,000
Purchase · VA $385,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 831 | 787 | 4.9% | 6.490% | +0.05 pts | $4,870 | $355,000 |
| Refinance | 84 | 79 | 5.9% | — | +0.07 pts | $4,330 | $485,000 |
| Cash-out refinance | 34 | 29 | 14.7% | — | +0.32 pts | $4,680 | $265,000 |
*Conventional loans only; medians with at least 20 loans.
Virginia counties where United Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Essex County | 1 | 20 | 12.6% |
| King and Queen County | 1 | 9 | 8.3% |
| Richmond County | 1 | 8 | 11.0% |
| King William County | 3 | 29 | 6.6% |
| Charles City County | 5 | 5 | 5.4% |
| Northumberland County | 6 | 9 | 4.4% |
| Hanover County | 7 | 63 | 3.4% |
| Richmond city | 8 | 85 | 3.4% |
| Rockingham County | 8 | 41 | 4.1% |
| Harrisonburg city | 10 | 5 | 1.9% |
| Page County | 12 | 6 | 1.9% |
| New Kent County | 14 | 13 | 1.7% |
| Prince George County | 16 | 7 | 1.4% |
| Warren County | 17 | 11 | 1.5% |
| Powhatan County | 17 | 8 | 1.4% |
| Petersburg city | 18 | 8 | 1.7% |
| Fluvanna County | 18 | 7 | 1.3% |
| Westmoreland County | 18 | 6 | 1.3% |
| Arlington County | 19 | 34 | 1.6% |
| Goochland County | 21 | 8 | 1.5% |
| Lancaster County | 21 | 3 | 1.5% |
| Henrico County | 22 | 66 | 1.3% |
| Fairfax city | 22 | 5 | 1.3% |
| Shenandoah County | 23 | 7 | 1.0% |
| Chesterfield County | 25 | 80 | 1.1% |
| Alexandria city | 25 | 25 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology