Lender in Georgia · HMDA 2025
United Community Bank mortgages in Georgia
United Community Bank's 2025 home-purchase and refinance lending in Georgia, compared with all lenders in the state.
United Community Bank originated 885 owner-occupied single-family loans in Georgia from 1,127 completed applications.
Its median conventional purchase loan costs were $5,770 versus $6,350 for all Georgia lenders, at a median 30-year fixed rate of 6.75% (Georgia: 6.624%).
Loans in GA
885
of 1,127 applications
Denial rate
18.4%
Purchase · GA 9.9%
Rate spread
+0.41 pts
Conv. · GA +0.13 pts
Loan amount
$325,000
Purchase · GA $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 919 | 744 | 18.4% | 6.750% | +0.41 pts | $5,770 | $325,000 |
| Refinance | 93 | 63 | 29.0% | 6.750% | +0.28 pts | $4,510 | $255,000 |
| Cash-out refinance | 115 | 78 | 32.2% | 6.875% | +0.36 pts | $5,000 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Georgia counties where United Community Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Union County | 2 | 39 | 9.2% |
| Fannin County | 2 | 31 | 9.6% |
| Chattooga County | 2 | 17 | 8.2% |
| Towns County | 2 | 16 | 8.4% |
| Floyd County | 3 | 56 | 4.6% |
| Gilmer County | 3 | 39 | 8.4% |
| White County | 3 | 31 | 7.9% |
| Rabun County | 4 | 11 | 6.0% |
| Pickens County | 5 | 30 | 4.4% |
| Lumpkin County | 5 | 18 | 3.6% |
| Heard County | 5 | 6 | 3.9% |
| Banks County | 8 | 9 | 3.1% |
| Habersham County | 9 | 20 | 3.1% |
| Dawson County | 11 | 18 | 2.1% |
| Glynn County | 12 | 20 | 1.6% |
| Haralson County | 13 | 9 | 1.8% |
| Stephens County | 15 | 6 | 1.6% |
| Carroll County | 17 | 31 | 1.6% |
| Hall County | 18 | 34 | 1.1% |
| Bartow County | 18 | 29 | 1.4% |
| Polk County | 24 | 6 | 1.1% |
| Murray County | 25 | 4 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology