Lender in North Carolina · HMDA 2025
United Community Bank mortgages in North Carolina
United Community Bank's 2025 home-purchase and refinance lending in North Carolina, compared with all lenders in the state.
United Community Bank originated 445 owner-occupied single-family loans in North Carolina from 549 completed applications.
Its median conventional purchase loan costs were $5,950 versus $4,840 for all North Carolina lenders, at a median 30-year fixed rate of 6.625% (North Carolina: 6.50%).
Loans in NC
445
of 549 applications
Denial rate
16.4%
Purchase · NC 7.6%
Rate spread
+0.32 pts
Conv. · NC +0.04 pts
Loan amount
$365,000
Purchase · NC $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 439 | 365 | 16.4% | 6.625% | +0.32 pts | $5,950 | $365,000 |
| Refinance | 46 | 37 | 19.6% | 6.375% | +0.04 pts | $4,140 | $305,000 |
| Cash-out refinance | 64 | 43 | 31.3% | 6.875% | +0.30 pts | $5,350 | $245,000 |
*Conventional loans only; medians with at least 20 loans.
North Carolina counties where United Community Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Mitchell County | 2 | 23 | 16.6% |
| Avery County | 2 | 21 | 14.0% |
| Yancey County | 2 | 20 | 12.1% |
| Transylvania County | 3 | 19 | 6.4% |
| Swain County | 3 | 10 | 9.3% |
| Clay County | 5 | 7 | 5.3% |
| Cherokee County | 7 | 11 | 3.2% |
| Watauga County | 8 | 10 | 2.6% |
| Jackson County | 8 | 9 | 3.0% |
| Henderson County | 11 | 40 | 2.3% |
| Haywood County | 13 | 13 | 1.5% |
| Ashe County | 14 | 4 | 1.6% |
| Polk County | 14 | 4 | 1.7% |
| Madison County | 19 | 3 | 1.6% |
| McDowell County | 23 | 4 | 0.9% |
| Graham County | 23 | 1 | 1.7% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology