United Community Bank Mortgage Rates, Fees & Info

Blairsville, GA

LEI: T68X8LLAQYRNDV034K14

Tax ID: 58-0554454

5 stars - Updated: 4/5/25 - out of 5 stars, based on 81 reviews

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

United Community Bank is a small bank specializing in Home Purchase loans. United Community Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Raleigh, Nashville, Charleston, and Greenville among others. We have data for 133 markets. (Some data included below & more in-depth data is available with an active subscription.)

United Community Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. United Community Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.72% 4/5/25
30 Year Conventional Purchase 7.03% 4/5/25
30 Year Conventional Refi 6.85% 4/5/25
30 Year Cash-out Refi 7.26% 4/5/25
30 Year FHA Purchase 7.27% 4/5/25
30 Year FHA Refi 6.75% 4/5/25
30 Year VA Purchase 6.29% 4/5/25
30 Year VA Refi 6.73% 4/5/25
30 Year USDA Purchase 6.77% 4/5/25
15 Year Conventional Purchase 2.26% 4/5/25
15 Year Conventional Refi 7.70% 4/5/25
15 Year Cash-out Refi 7.70% 4/5/25
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

United Community Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from United Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

6,575

Origination Dollar Volume (All Markets)

$1,611,935,000
Show all (12) awards

Relative Rate

United Community Bank's average 30 year fixed mortgage rate was 6.65%.

The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.

This yields a difference of 0.1%.

Relative Fees (Closing Costs)

United Community Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $7,016.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $8,356.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1,271 $311,045,000 $244,725 $6,748 7.30%
Outside of Metro Areas 1,324 $254,930,000 $192,545 $5,332 7.46%
RALEIGH-CARY, NC (FHA|USDA|VA) 303 $84,895,000 $280,182 $5,947 6.61%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 304 $68,640,000 $225,789 $5,889 7.29%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 93 $65,075,000 $699,731 $6,804 6.76%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 317 $60,025,000 $189,353 $5,165 7.33%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 166 $48,170,000 $290,181 $5,681 7.10%
ASHEVILLE, NC (FHA|USDA|VA) 165 $41,205,000 $249,727 $5,962 7.43%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 53 $40,915,000 $771,981 $8,279 7.51%
GAINESVILLE, GA (FHA|USDA|VA) 170 $34,400,000 $202,353 $6,442 7.50%
KNOXVILLE, TN (FHA|USDA|VA) 139 $33,595,000 $241,691 $5,526 7.31%
SAVANNAH, GA (FHA|USDA|VA) 83 $27,095,000 $326,446 $4,837 7.64%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 44 $26,540,000 $603,182 $8,950 7.19%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 3 $25,515,000 $8,505,000 $4,716 5.96%
TUSCALOOSA, AL (FHA|USDA|VA) 108 $24,580,000 $227,593 $6,840 6.57%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 49 $22,225,000 $453,571 $10,165 7.36%
SPARTANBURG, SC (FHA|USDA|VA) 121 $21,055,000 $174,008 $5,885 7.05%
Brevard, NC (FHA|USDA|VA) 77 $20,645,000 $268,117 $5,950 7.33%
ROME, GA (FHA|USDA|VA) 108 $20,520,000 $190,000 $5,533 7.33%
CLEVELAND, TN (FHA|USDA|VA) 103 $20,205,000 $196,165 $5,522 7.14%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 75 $20,005,000 $266,733 $4,909 7.30%
JACKSONVILLE, FL (FHA|USDA|VA) 27 $17,575,000 $650,926 $9,112 6.87%
Cullowhee, NC (FHA|USDA|VA) 69 $15,855,000 $229,783 $7,579 7.58%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 87 $15,495,000 $178,103 $5,360 7.56%
HUNTSVILLE, AL (FHA|USDA|VA) 64 $13,720,000 $214,375 $5,187 7.16%
BRUNSWICK, GA (FHA|USDA|VA) 69 $13,515,000 $195,870 $5,876 7.28%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 41 $13,315,000 $324,756 $8,183 7.12%
Summerville, GA (FHA|USDA|VA) 115 $13,285,000 $115,522 $3,678 7.42%
Cornelia, GA (FHA|USDA|VA) 81 $12,935,000 $159,691 $4,709 7.47%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 45 $12,925,000 $287,222 $4,361 6.56%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 65 $11,125,000 $171,154 $4,902 6.97%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 56 $10,660,000 $190,357 $4,662 6.71%
FAYETTEVILLE, NC (FHA|USDA|VA) 38 $10,430,000 $274,474 $5,807 5.90%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 46 $9,780,000 $212,609 $7,389 7.23%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 51 $9,215,000 $180,686 $4,212 7.55%
DECATUR, AL (FHA|USDA|VA) 44 $8,430,000 $191,591 $6,138 6.90%
Jefferson, GA (FHA|USDA|VA) 42 $7,910,000 $188,333 $5,446 7.56%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 27 $7,545,000 $279,444 $9,731 7.17%
COLUMBIA, SC (FHA|USDA|VA) 55 $7,285,000 $132,455 $3,841 7.59%
Boone, NC (FHA|USDA|VA) 22 $7,210,000 $327,727 $6,065 7.43%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 16 $7,070,000 $441,875 $6,389 7.18%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 20 $6,250,000 $312,500 $4,409 7.16%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 11 $6,095,000 $554,091 $7,443 7.03%
Cedartown, GA (FHA|USDA|VA) 13 $5,155,000 $396,538 $7,219 7.58%
WILMINGTON, NC (FHA|USDA|VA) 22 $4,790,000 $217,727 $8,455 7.61%
Calhoun, GA (FHA|USDA|VA) 17 $4,575,000 $269,118 $7,945 7.34%
Georgetown, SC (FHA|USDA|VA) 5 $4,035,000 $807,000 $12,257 6.85%
Morehead City, NC (FHA|USDA|VA) 8 $3,970,000 $496,250 $6,472 7.11%
WINSTON-SALEM, NC (FHA|USDA|VA) 12 $3,760,000 $313,333 $6,179 6.83%
Toccoa, GA (FHA|USDA|VA) 14 $3,400,000 $242,857 $7,231 7.30%
Cookeville, TN (FHA|USDA|VA) 9 $3,265,000 $362,778 $3,969 7.83%
Greenwood, SC (FHA|USDA|VA) 21 $3,145,000 $149,762 $4,274 7.58%
Seneca, SC (FHA|USDA|VA) 12 $3,090,000 $257,500 $6,079 7.13%
St. Marys, GA (FHA|USDA|VA) 7 $3,065,000 $437,857 $9,926 7.27%
PANAMA CITY, FL (FHA|USDA|VA) 7 $3,045,000 $435,000 $4,742 7.58%
Marion, NC (FHA|USDA|VA) 6 $2,850,000 $475,000 $10,379 7.00%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 12 $2,810,000 $234,167 $4,601 7.08%
Sevierville, TN (FHA|USDA|VA) 7 $2,725,000 $389,286 $6,858 7.14%
GOLDSBORO, NC (FHA|USDA|VA) 10 $2,580,000 $258,000 $4,297 5.45%
MOBILE, AL (FHA|USDA|VA) 8 $2,510,000 $313,750 $4,540 7.28%
PORT ST. LUCIE, FL (FHA|USDA|VA) 5 $2,185,000 $437,000 $5,654 7.33%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $1,990,000 $331,667 $8,333 6.71%
ROCKY MOUNT, NC (FHA|USDA|VA) 9 $1,785,000 $198,333 $5,970 6.01%
Forest City, NC (FHA|USDA|VA) 7 $1,745,000 $249,286 $5,371 7.20%
JOHNSON CITY, TN (FHA|USDA|VA) 7 $1,715,000 $245,000 $6,044 6.64%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $1,580,000 $395,000 $7,334 7.00%
DALTON, GA (FHA|USDA|VA) 8 $1,560,000 $195,000 $5,437 7.16%
HINESVILLE, GA (FHA|USDA|VA) 6 $1,550,000 $258,333 $6,309 7.78%
Sanford, NC (FHA|USDA|VA) 4 $1,520,000 $380,000 $10,604 6.56%
Athens, TN (FHA|USDA|VA) 8 $1,410,000 $176,250 $5,239 7.09%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 5 $1,275,000 $255,000 $7,650 7.25%
Wilson, NC (FHA|USDA|VA) 6 $1,090,000 $181,667 $4,132 4.40%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $1,015,000 $338,333 $6,318 6.63%
Alexander City, AL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 7.75%
BURLINGTON, NC (FHA|USDA|VA) 5 $1,005,000 $201,000 $5,837 5.18%
Lawrenceburg, TN (FHA|USDA|VA) 8 $920,000 $115,000 $2,528 7.15%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 3 $895,000 $298,333 $0 7.58%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 3 $875,000 $291,667 $0 7.66%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $845,000 $169,000 $3,328 7.44%
PUNTA GORDA, FL (FHA|USDA|VA) 2 $840,000 $420,000 $11,997 7.25%
Cullman, AL (FHA|USDA|VA) 4 $780,000 $195,000 $8,304 6.44%
THE VILLAGES, FL (FHA|USDA|VA) 3 $755,000 $251,667 $5,650 7.33%
Waycross, GA (FHA|USDA|VA) 9 $745,000 $82,778 $2,334 7.87%
GREENVILLE, NC (FHA|USDA|VA) 6 $690,000 $115,000 $5,471 5.85%
Newberry, SC (FHA|USDA|VA) 4 $680,000 $170,000 $4,913 8.66%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $655,000 $655,000 $0 7.75%
Milledgeville, GA (FHA|USDA|VA) 3 $635,000 $211,667 $8,073 7.37%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $620,000 $310,000 $0 6.74%
Shelby, NC (FHA|USDA|VA) 2 $600,000 $300,000 $8,556 5.75%
Roanoke Rapids, NC (FHA|USDA|VA) 2 $570,000 $285,000 $9,427 6.81%
MORRISTOWN, TN (FHA|USDA|VA) 4 $570,000 $142,500 $7,844 7.50%
Elizabeth City, NC (FHA|USDA|VA) 3 $565,000 $188,333 $4,099 6.13%
Albemarle, NC (FHA|USDA|VA) 2 $530,000 $265,000 $8,018 6.06%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $530,000 $265,000 $6,547 6.43%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $515,000 $171,667 $5,571 6.00%
Washington, NC (FHA|USDA|VA) 2 $500,000 $250,000 $6,587 6.63%
Gaffney, SC (FHA|USDA|VA) 6 $460,000 $76,667 $4,036 7.85%
ALBANY, GA (FHA|USDA|VA) 2 $450,000 $225,000 $2,621 6.25%
Mount Airy, NC (FHA|USDA|VA) 2 $440,000 $220,000 $7,175 6.88%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 3 $365,000 $121,667 $4,341 7.29%
MONTGOMERY, AL (FHA|USDA|VA) 2 $360,000 $180,000 $8,007 6.69%
Jesup, GA (FHA|USDA|VA) 3 $335,000 $111,667 $2,764 7.92%
McMinnville, TN (FHA|USDA|VA) 2 $320,000 $160,000 $12,019 7.94%
OCALA, FL (FHA|USDA|VA) 2 $300,000 $150,000 $4,011 6.75%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $285,000 $285,000 $11,508 6.63%
Dyersburg, TN (FHA|USDA|VA) 1 $255,000 $255,000 $9,576 6.63%
Enterprise, AL (FHA|USDA|VA) 1 $245,000 $245,000 $4,635 6.63%
COLUMBUS, GA-AL (FHA|USDA|VA) 2 $240,000 $120,000 $4,438 8.13%
Moultrie, GA (FHA|USDA|VA) 1 $225,000 $225,000 $0 6.25%
Orangeburg, SC (FHA|USDA|VA) 3 $225,000 $75,000 $0 7.08%
Dublin, GA (FHA|USDA|VA) 1 $225,000 $225,000 $4,779 8.00%
SUMTER, SC (FHA|USDA|VA) 2 $220,000 $110,000 $6,086 6.25%
Kinston, NC (FHA|USDA|VA) 3 $215,000 $71,667 $3,873 4.54%
Shelbyville, TN (FHA|USDA|VA) 1 $215,000 $215,000 $9,407 6.13%
Albertville, AL (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.99%
LaGrange, GA-AL (FHA|USDA|VA) 2 $200,000 $100,000 $2,021 7.48%
Scottsboro, AL (FHA|USDA|VA) 1 $185,000 $185,000 $7,587 6.88%
Cordele, GA (FHA|USDA|VA) 1 $185,000 $185,000 $0 8.50%
Douglas, GA (FHA|USDA|VA) 1 $185,000 $185,000 $0 6.99%
Rockingham, NC (FHA|USDA|VA) 1 $155,000 $155,000 $0 8.00%
North Wilkesboro, NC (FHA|USDA|VA) 1 $145,000 $145,000 $7,394 6.63%
Dayton, TN (FHA|USDA|VA) 2 $130,000 $65,000 $0 7.88%
Statesboro, GA (FHA|USDA|VA) 2 $130,000 $65,000 $0 7.38%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $110,000 $55,000 $0 6.75%
GAINESVILLE, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.75%
DOTHAN, AL (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.50%
FLORENCE, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.00%
GADSDEN, AL (FHA|USDA|VA) 1 $45,000 $45,000 $3,422 6.63%
Lewisburg, TN (FHA|USDA|VA) 1 $45,000 $45,000 $0 8.00%
Crossville, TN (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.75%
Newport, TN (FHA|USDA|VA) 1 $35,000 $35,000 $0 8.00%
Lake City, FL (FHA|USDA|VA) 1 $15,000 $15,000 $0 6.50%
United Community Bank's top markets include Atlanta, Raleigh, Nashville, Charleston, and Greenville among others.

Their top states include:
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    HELOC 3,505 $603,965,000 $172,315 n/a 7.58%
    Conventional 2,480 $837,780,000 $337,815 $4,959 7.01%
    FHA 454 $123,580,000 $272,203 $10,449 6.43%
    VA 89 $35,345,000 $397,135 $8,327 6.13%
    USDA 47 $11,265,000 $239,681 $7,208 6.25%

    For 2024, United Community Bank's most frequently originated type of loan was HELOC, with 3,505 originations. Their 2nd most popular type was Conventional, with 2,480 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,496 $903,990,000 $362,175 $6,871 6.75%
    Home Improvement 1,677 $222,185,000 $132,490 $433 7.64%
    Refi 1,316 $314,070,000 $238,655 $3,289 7.47%
    Other 883 $115,185,000 $130,447 $527 7.74%
    Cash Out Refi 203 $56,505,000 $278,350 $6,137 6.88%

    For 2024, United Community Bank's most frequently cited loan purpose was Home Purchase, with 2,496 originations. The 2nd most popular reason was Home Improvement, with 1,677 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 3,567 $679,045,000 $190,369 $3,547 7.59%
    30 Year 1,943 $627,765,000 $323,091 $7,016 6.65%
    30+ year 414 $209,400,000 $505,797 $7,900 7.70%
    15 Year 383 $29,545,000 $77,141 $817 6.65%
    10 Year 127 $5,735,000 $45,157 $678 7.93%
    5 Year 98 $41,730,000 $425,816 $208 6.96%
    20 Year 30 $6,560,000 $218,667 $4,219 6.64%
    1 Year 10 $8,640,000 $864,000 $0 8.26%
    3 Year 3 $3,515,000 $1,171,667 $800 8.17%

    For 2024, United Community Bank's most frequently cited loan duration was Other, with 3,567 originations. The 2nd most popular length was 30 Year, with 1,943 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,219 $441,555,000 $362,227
    $<1k 524 $37,440,000 $71,450
    $2k-3k 442 $129,790,000 $293,643
    $3k-4k 306 $98,890,000 $323,170
    $5k+ 272 $119,080,000 $437,794
    $4k-5k 164 $56,460,000 $344,268

    United Community Bank's average total fees were $7,016, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,219 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 2,758 $640,420,000 $232,204
    6-7% 2,483 $639,135,000 $257,404
    Over 8% 923 $211,995,000 $229,680
    5-6% 300 $107,380,000 $357,933
    <2.5% 82 $3,940,000 $48,049
    4-5% 22 $7,740,000 $351,818
    3-4% 5 $1,045,000 $209,000
    2.5-3% 2 $280,000 $140,000

    During 2024, United Community Bank's average interest rate for loans was 6.65%, while their most frequently originated rate bucket for loans was 7-8%, with 2,758 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,106 $109,040,000 $51,776 $863 7.48%
    $200k-400k 1,893 $529,335,000 $279,628 $7,072 7.01%
    $100k-200k 1,532 $207,180,000 $135,235 $5,010 7.30%
    $400k-600k 627 $299,785,000 $478,126 $8,269 7.23%
    $600k-1MM 318 $232,040,000 $729,686 $8,877 7.17%
    $1MM+ 99 $234,555,000 $2,369,242 $10,921 7.18%

    2024 saw United Community Bank place emphasis on $100,000 or less loans with 2,106 originations, totaling $109,040,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,482 $293,060,000 $197,746 $6,048 7.33%
    $150k-250k 1,274 $337,800,000 $265,149 $6,889 7.39%
    $50k-75k 1,075 $145,305,000 $135,167 $5,349 6.98%
    $250k+ 988 $481,890,000 $487,743 $7,783 7.37%
    $75k-100k 974 $159,770,000 $164,035 $5,619 7.16%
    $50k or less 547 $50,555,000 $92,422 $3,929 7.15%

    United Community Bank lent most frequently to those with incomes in the $100k-150k range, with 1,482 originations. The second most popular income band? $150k-250k, with 1,274 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,198 $225,850,000 $188,523 $5,036 7.30%
    30-36% 1,061 $259,325,000 $244,416 $5,826 7.29%
    <20% 751 $159,185,000 $211,964 $4,511 7.28%
    47% 371 $82,435,000 $222,197 $6,934 7.29%
    44% 304 $63,310,000 $208,257 $6,052 7.48%
    39% 263 $57,655,000 $219,221 $5,680 7.47%
    43% 258 $67,620,000 $262,093 $5,734 7.15%
    42% 256 $58,360,000 $227,969 $5,318 7.10%
    40% 238 $60,240,000 $253,109 $6,110 7.24%
    36% 217 $49,345,000 $227,396 $5,511 7.15%
    38% 214 $60,910,000 $284,626 $6,501 7.29%
    37% 214 $45,190,000 $211,168 $5,517 7.22%
    41% 213 $56,905,000 $267,160 $6,278 7.30%
    50-60% 197 $58,365,000 $296,269 $9,511 6.76%
    46% 183 $41,725,000 $228,005 $7,650 7.00%
    45% 165 $42,045,000 $254,818 $6,087 7.15%
    48% 125 $32,395,000 $259,160 $6,989 6.97%
    49% 125 $39,095,000 $312,760 $7,022 6.71%
    >60% 91 $31,055,000 $341,264 $1,507 7.43%

    United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 1,198 originations. The next most common DTI ratio? 30-36%, with 1,061 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,231 $1,194,185,000 $228,290 $5,736 7.33%
    Not provided 582 $135,070,000 $232,079 $6,314 7.25%
    Not applicable 100 $118,580,000 $1,185,800 $0 7.79%
    Black 505 $111,025,000 $219,851 $6,865 6.49%
    Asian 110 $40,060,000 $364,182 $6,815 6.89%
    American Indian 25 $5,325,000 $213,000 $6,021 7.13%
    Asian Indian 10 $3,600,000 $360,000 $5,056 7.24%
    Filipino 2 $1,130,000 $565,000 $6,745 6.75%
    Other Asian 2 $1,070,000 $535,000 $10,307 6.96%
    Japanese 2 $820,000 $410,000 $7,829 7.06%
    Native Hawaiian or Islander 4 $450,000 $112,500 $3,043 7.31%
    Native Hawaiian 1 $415,000 $415,000 $7,160 7.00%
    Other Pacific Islander 1 $205,000 $205,000 $8,075 5.75%

    Approval Rates

    Total approvals of all applications
    75.93%

    United Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    82.94%

    United Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 6,575 $1,611,935,000 $245,161

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,575 $1,611,935,000 $245,161

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,501 $309,995,000 $206,526 $3,067 7.49%
    40-60% 715 $251,715,000 $352,049 $5,752 7.25%
    60-80% 1,054 $474,880,000 $450,550 $6,885 7.21%
    80-100% 1,234 $413,280,000 $334,911 $7,724 6.71%
    Over 100% 27 $10,315,000 $382,037 $13,131 6.19%
    Under 20% 2,041 $148,935,000 $72,972 $422 7.46%