United Community Bank: 2025 mortgage rates, costs & approvals
How United Community Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: United Community Bank · LEI T68X8LLAQYRNDV034K14
In 2025, United Community Bank originated 2,204 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 7 states — 255th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.625% (all lenders: 6.625%); its median rate spread was 18 basis points above the national median. Median conventional loan costs were $5,680, about the same as the national median ($5,570).
It denied 17.0% of completed home-purchase applications (all lenders: 8.5%).
How United Community Bank priced home-purchase loans
| Purchase loans, 2025 | United Community Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.625% | 6.625% |
| 30-year fixed rate · FHA | 6.250% | 6.250% |
| 30-year fixed rate · VA | 6.125% | 6.125% |
| 15-year fixed rate · conventional | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.32 pts | +0.13 pts |
| Total loan costs · conventional | $5,680 | $5,570 |
| Total loan costs · FHA | $9,870 | $11,310 |
| Total loan costs · VA | $4,600 | $6,490 |
| Origination charges (all types) | $1,820 | $1,860 |
| Borrowers paying discount points | 42.2% | 51.3% |
| Points paid, when paid (% of loan) | 0.49% | 0.87% |
| Borrowers receiving lender credits | 26.0% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why United Community Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where United Community Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Georgia | 885 | 1,127 | 18.4% | 6.750% | $5,770 |
| North Carolina | 445 | 549 | 16.4% | 6.625% | $5,950 |
| Tennessee | 323 | 406 | 16.4% | 6.500% | $5,060 |
| South Carolina | 242 | 314 | 18.0% | 6.625% | $5,160 |
| Alabama | 214 | 248 | 12.2% | 6.500% | $4,540 |
| Florida | 94 | 118 | 17.2% | 6.625% | $7,800 |
| Kentucky | 1 | 2 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open United Community Bank's page for that state.
Counties where United Community Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mitchell County, NC | 2 | 23 | 16.6% |
| Avery County, NC | 2 | 21 | 14.0% |
| Yancey County, NC | 2 | 20 | 12.1% |
| Fannin County, GA | 2 | 31 | 9.6% |
| Swain County, NC | 3 | 10 | 9.3% |
| Union County, GA | 2 | 39 | 9.2% |
| Towns County, GA | 2 | 16 | 8.4% |
| Gilmer County, GA | 3 | 39 | 8.4% |
| Chattooga County, GA | 2 | 17 | 8.2% |
| White County, GA | 3 | 31 | 7.9% |
| Greene County, AL | 12 | 1 | 7.1% |
| Transylvania County, NC | 3 | 19 | 6.4% |
| Rabun County, GA | 4 | 11 | 6.0% |
| Clay County, NC | 5 | 7 | 5.3% |
| Floyd County, GA | 3 | 56 | 4.6% |
Check United Community Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI T68X8LLAQYRNDV034K14.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from United Community Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology