Personal Services - Lending Services


Mortgage Loans

Let us be the first to welcome you home. Whether you are buying a new home, purchasing an investment property, or refinancing a home, we can help you unlock the door. Whatever your lending needs, our experienced lenders are @ your service. We lend more than money. We lend our knowledge about new real estate programs and market conditions so we can identify unseen opportunities, tailoring our services to fit your specific needs. Our lending professionals are located near you, so you'll experience fast turnaround times.


To apply for a home equity line of credit, please contact your local office.






In case of an error or questions about your mortgage loan, please write us at United Bank, Loan Resolution Department, P. O. Box 670, Ripley, WV 25271. If you e-mail any of our loan officers, do not include personal information such as social security number or account numbers. This is for the protection of your personal information.


Home Equity Loans &
Lines of Credit

At United Bank we listen to your needs and create a package of lending and credit options to make your dreams a reality. Take advantage of your biggest asset - your home - by using the equity to finance improvements, pay tuition, consolidate debt or make major purchases. United Bank offers both fixed and variable rates for home equity loans and home equity lines of credit (HELOC). The interest rate may be tax deductible, so consult your tax adviser for more details.


Auto, Boat, Motorcycle and RV Loans

Get the car, boat, motorcycle or recreational vehicle you want today. With flexible rates and terms, you can receive financing today to buy the car you want. Our knowledgeable lenders are located in your neighborhood office, so decisions can be made locally and quickly. United Bank has partnered with a network of local dealers that allows for convenient one-stop shopping. You can purchase your auto and have your United Bank loan documents completed at the dealership. Consult a lending professional for details. Please call your local office, or you may call 1.800.327.9862.

Check Your Credit Online

How good is your credit? Wouldn't you like to know? You can purchase a copy of your credit profile online at EQUIFAX. Review your credit history; make sure there are no surprises before you apply for a loan. Go to the EQUIFAX website now 

Knowing the numbers is an important matter in your financial planning. Future Value Calculator - Calculates Future Value of Monthly Deposits

Input Values: Purchase Price, Down Payment, Loan Value, Rate, Number of Payments Simple Loan Payment Calculator - Calculates Monthly Payment

Input Values: Monthly Deposit, Length of Time, Yield Rate Savings Goal Calculator - Calculates Monthly Deposit Required To Reach Goal

The calculations on provided calculators are estimated values only and may vary. 

For exact figures, please contact us.

Any educational tools, calculators, guides and other content available on this site are for informational purposes only. These materials are not intended to provide personalized legal, investment or financial advice for your unique circumstances. For specific advice about your unique circumstances, you may wish to consult a qualified professional. United Bank does not provide, endorse nor guarantee any unaffiliated third-party product, service, information, educational tool or recommendation available through links from this website. The third parties providing products and services available through this website are solely responsible for their products, services, information, recommendations and all other content on their websites. Be aware that by responding to offers advertised on third party websites, you may be communicating information about yourself to the company that provides such product or services—for example, that you are a United customer. These third parties may have a different privacy policy than United’s, and their websites may also provide less security.