Lender in Illinois · HMDA 2025
United Community Bank mortgages in Illinois
United Community Bank's 2025 home-purchase and refinance lending in Illinois, compared with all lenders in the state.
United Community Bank originated 649 owner-occupied single-family loans in Illinois from 714 completed applications.
Its median conventional purchase loan costs were $2,120 versus $6,090 for all Illinois lenders, at a median 30-year fixed rate of 6.50% (Illinois: 6.625%).
Loans in IL
649
of 714 applications
Denial rate
7.4%
Purchase · IL 9.2%
Rate spread
+0.15 pts
Conv. · IL +0.27 pts
Loan amount
$145,000
Purchase · IL $275,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 581 | 535 | 7.4% | 6.500% | +0.15 pts | $2,120 | $145,000 |
| Refinance | 93 | 82 | 10.8% | — | +0.37 pts | $1,330 | $115,000 |
| Cash-out refinance | 40 | 32 | 20.0% | — | +0.33 pts | $1,710 | $85,000 |
*Conventional loans only; medians with at least 20 loans.
Illinois counties where United Community Bank ranks in the top 25
Showing the 30 counties where it ranks highest, of 31.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Adams County | 1 | 77 | 14.2% |
| Macoupin County | 1 | 50 | 9.6% |
| Hancock County | 1 | 39 | 30.0% |
| Brown County | 1 | 8 | 34.8% |
| Pike County | 1 | 7 | 10.1% |
| McDonough County | 2 | 33 | 15.1% |
| Greene County | 2 | 17 | 14.9% |
| Sangamon County | 3 | 184 | 7.0% |
| Schuyler County | 3 | 5 | 9.3% |
| Marion County | 5 | 19 | 5.9% |
| Henderson County | 5 | 2 | 4.4% |
| Livingston County | 8 | 16 | 3.1% |
| Logan County | 8 | 15 | 4.0% |
| Menard County | 8 | 6 | 3.2% |
| Cass County | 8 | 2 | 2.1% |
| Warren County | 9 | 3 | 2.4% |
| Scott County | 9 | 1 | 3.1% |
| Knox County | 10 | 15 | 2.9% |
| Christian County | 10 | 10 | 2.8% |
| Jersey County | 10 | 8 | 2.6% |
| Fulton County | 12 | 6 | 1.6% |
| Clay County | 14 | 1 | 1.2% |
| Wayne County | 16 | 1 | 1.1% |
| Bureau County | 17 | 5 | 1.6% |
| Mason County | 17 | 2 | 1.2% |
| Putnam County | 17 | 1 | 1.7% |
| Madison County | 19 | 62 | 1.5% |
| Jackson County | 19 | 4 | 1.2% |
| Effingham County | 21 | 2 | 0.7% |
| Morgan County | 22 | 2 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology