Lender in South Carolina · HMDA 2025
United Community Bank mortgages in South Carolina
United Community Bank's 2025 home-purchase and refinance lending in South Carolina, compared with all lenders in the state.
United Community Bank originated 242 owner-occupied single-family loans in South Carolina from 314 completed applications.
Its median conventional purchase loan costs were $5,160 versus $5,190 for all South Carolina lenders, at a median 30-year fixed rate of 6.625% (South Carolina: 6.624%).
Loans in SC
242
of 314 applications
Denial rate
18.0%
Purchase · SC 8.8%
Rate spread
+0.14 pts
Conv. · SC +0.12 pts
Loan amount
$295,000
Purchase · SC $295,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 233 | 189 | 18.0% | 6.625% | +0.14 pts | $5,160 | $295,000 |
| Refinance | 31 | 22 | 25.8% | — | +0.15 pts | $3,960 | $385,000 |
| Cash-out refinance | 50 | 31 | 36.0% | — | +0.56 pts | $4,180 | $225,000 |
*Conventional loans only; medians with at least 20 loans.
South Carolina counties where United Community Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Greenwood County | 18 | 9 | 1.2% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology