HMDA records
1,073
2025
Institution profile
United Bank (Zebulon, GA)
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HMDA activity
Public HMDA records are available for 2019–2025.
Loan originations
698
2025
Denials
174
2025
Withdrawals
143
2025
Denial rate among decisioned applications
19.2%
2025
Annual history
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 1,073 | 698 | 34 | 174 | 143 | 19.2% |
| 2024 | 1,171 | 809 | 93 | 153 | 102 | 14.5% |
| 2023 | 1,191 | 848 | 104 | 150 | 77 | 13.6% |
| 2022 | 1,479 | 1,003 | 147 | 197 | 108 | 14.6% |
| 2021 | 1,349 | 875 | 192 | 123 | 128 | 10.3% |
| 2020 | 1,918 | 1,078 | 363 | 200 | 77 | 12.2% |
| 2019 | 1,548 | 883 | 302 | 173 | 4 | 12.7% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 1,053 |
| FHA | 11 |
| VA | 1 |
| RHS / FSA | 8 |
| Home purchase | 331 |
| Home improvement | 233 |
| Refinancing | 241 |
| Cash-out refinancing | 67 |
State reporting
5 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.