Lender in Alabama · HMDA 2025
United Community Bank mortgages in Alabama
United Community Bank's 2025 home-purchase and refinance lending in Alabama, compared with all lenders in the state.
United Community Bank originated 214 owner-occupied single-family loans in Alabama from 248 completed applications.
Its median conventional purchase loan costs were $4,540 versus $4,370 for all Alabama lenders, at a median 30-year fixed rate of 6.50% (Alabama: 6.562%).
Loans in AL
214
of 248 applications
Denial rate
12.2%
Purchase · AL 9.1%
Rate spread
+0.24 pts
Conv. · AL +0.17 pts
Loan amount
$245,000
Purchase · AL $265,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 229 | 201 | 12.2% | 6.500% | +0.24 pts | $4,540 | $245,000 |
| Refinance | 11 | 9 | — | — | — | — | — |
| Cash-out refinance | 8 | 4 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Alabama counties where United Community Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tuscaloosa County | 8 | 84 | 3.3% |
| Pickens County | 9 | 5 | 3.7% |
| Greene County | 12 | 1 | 7.1% |
| Hale County | 17 | 2 | 2.1% |
| Morgan County | 19 | 21 | 1.2% |
| Cherokee County | 19 | 4 | 1.4% |
| Fayette County | 22 | 2 | 1.2% |
| Cleburne County | 23 | 2 | 1.5% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology