United Community Bank Mortgage Rates, Fees & Info

Blairsville, GA

LEI: T68X8LLAQYRNDV034K14

Tax ID: 58-0554454

5 stars - out of 5 stars, based on 105 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

United Community Bank is a mid-sized bank specializing in Home Purchase and Refi loans. United Community Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets include Atlanta, Raleigh, Greenville, Charleston, and Asheville among others. United Community Bank has an average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. United Community Bank is typically an average fee lendor.


Originations

10,969

Origination Dollar Volume (All Markets)

$3,095,505,000

Employee count

2,513 Show all (15) awards

Relative Rate

United Community Bank's average 30 year fixed rate mortgage of loans were 3.09%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.06%.

Relative Fees

United Community Bank's average total fees for a 30 year fixed rate mortgage are $4,611.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2,434 $701,620,000 $288,258 $4,984 3.06%
Outside of Metro Areas 2,224 $489,300,000 $220,009 $4,180 3.09%
RALEIGH-CARY, NC (FHA|USDA|VA) 631 $210,355,000 $333,368 $4,295 3.03%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 707 $194,345,000 $274,887 $4,127 2.98%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 318 $182,860,000 $575,031 $5,827 2.92%
ASHEVILLE, NC (FHA|USDA|VA) 453 $131,305,000 $289,857 $4,387 2.96%
KNOXVILLE, TN (FHA|USDA|VA) 358 $92,910,000 $259,525 $4,363 2.95%
GAINESVILLE, GA (FHA|USDA|VA) 265 $74,825,000 $282,358 $4,764 3.08%
SAVANNAH, GA (FHA|USDA|VA) 185 $65,145,000 $352,135 $5,044 3.06%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 138 $58,480,000 $423,768 $4,236 3.01%
BRUNSWICK, GA (FHA|USDA|VA) 206 $55,740,000 $270,583 $4,846 3.06%
CLEVELAND, TN (FHA|USDA|VA) 262 $50,690,000 $193,473 $4,047 3.11%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 125 $50,365,000 $402,920 $5,409 3.18%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 63 $48,615,000 $771,667 $8,764 2.95%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 131 $48,035,000 $366,679 $6,245 2.89%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 86 $40,620,000 $472,326 $5,354 3.04%
SPARTANBURG, SC (FHA|USDA|VA) 218 $40,080,000 $183,853 $3,519 3.04%
Cullowhee, NC (FHA|USDA|VA) 130 $39,080,000 $300,615 $5,479 3.03%
ROME, GA (FHA|USDA|VA) 210 $38,820,000 $184,857 $4,009 3.25%
Brevard, NC (FHA|USDA|VA) 151 $38,435,000 $254,536 $4,461 2.96%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 195 $36,125,000 $185,256 $3,979 3.21%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 97 $28,105,000 $289,742 $4,389 3.35%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 53 $26,885,000 $507,264 $6,259 2.88%
JACKSONVILLE, FL (FHA|USDA|VA) 40 $21,910,000 $547,750 $6,111 2.82%
COLUMBIA, SC (FHA|USDA|VA) 91 $20,275,000 $222,802 $4,073 3.02%
Cornelia, GA (FHA|USDA|VA) 123 $20,195,000 $164,187 $3,525 3.27%
Seneca, SC (FHA|USDA|VA) 52 $18,270,000 $351,346 $4,940 3.10%
Boone, NC (FHA|USDA|VA) 46 $17,080,000 $371,304 $5,009 2.93%
Jefferson, GA (FHA|USDA|VA) 88 $16,470,000 $187,159 $3,969 3.18%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 19 $14,225,000 $748,684 $9,383 2.77%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 50 $12,240,000 $244,800 $4,466 3.09%
Georgetown, SC (FHA|USDA|VA) 23 $11,215,000 $487,609 $5,031 3.04%
Summerville, GA (FHA|USDA|VA) 90 $10,020,000 $111,333 $3,342 3.29%
WILMINGTON, NC (FHA|USDA|VA) 23 $9,795,000 $425,870 $3,897 3.14%
Greenwood, SC (FHA|USDA|VA) 54 $9,290,000 $172,037 $5,259 3.09%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 18 $8,500,000 $472,222 $5,668 3.03%
FAYETTEVILLE, NC (FHA|USDA|VA) 45 $8,275,000 $183,889 $4,488 3.20%
Cedartown, GA (FHA|USDA|VA) 33 $8,055,000 $244,091 $5,415 3.32%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 13 $7,775,000 $598,077 $5,384 3.05%
Morehead City, NC (FHA|USDA|VA) 16 $7,500,000 $468,750 $4,534 3.14%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 17 $7,315,000 $430,294 $5,085 3.06%
Calhoun, GA (FHA|USDA|VA) 34 $6,800,000 $200,000 $4,670 3.10%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 14 $6,540,000 $467,143 $6,438 3.32%
NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 15 $5,605,000 $373,667 $3,861 2.92%
PORT ST. LUCIE, FL (FHA|USDA|VA) 11 $5,325,000 $484,091 $8,923 2.89%
LaGrange, GA-AL (FHA|USDA|VA) 25 $4,725,000 $189,000 $5,047 3.13%
Sevierville, TN (FHA|USDA|VA) 13 $4,715,000 $362,692 $4,479 3.08%
Marion, NC (FHA|USDA|VA) 14 $4,490,000 $320,714 $5,105 3.23%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 10 $4,450,000 $445,000 $5,749 2.84%
MORRISTOWN, TN (FHA|USDA|VA) 11 $4,255,000 $386,818 $5,296 2.90%
FLORENCE, SC (FHA|USDA|VA) 14 $3,730,000 $266,429 $4,663 3.29%
Athens, TN (FHA|USDA|VA) 23 $3,695,000 $160,652 $3,873 3.08%
Forest City, NC (FHA|USDA|VA) 13 $3,405,000 $261,923 $5,380 3.24%
PUNTA GORDA, FL (FHA|USDA|VA) 9 $2,745,000 $305,000 $4,593 3.00%
JOHNSON CITY, TN (FHA|USDA|VA) 9 $2,695,000 $299,444 $6,161 3.24%
BURLINGTON, NC (FHA|USDA|VA) 10 $2,600,000 $260,000 $5,087 3.14%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $2,540,000 $254,000 $5,357 2.94%
Gaffney, SC (FHA|USDA|VA) 19 $2,495,000 $131,316 $2,918 2.91%
ALBANY, GA (FHA|USDA|VA) 3 $2,345,000 $781,667 $7,509 3.46%
COLUMBUS, GA-AL (FHA|USDA|VA) 10 $2,230,000 $223,000 $6,863 3.16%
Vidalia, GA (FHA|USDA|VA) 11 $2,195,000 $199,545 $5,597 3.27%
Thomaston, GA (FHA|USDA|VA) 8 $2,180,000 $272,500 $7,275 3.31%
Newberry, SC (FHA|USDA|VA) 9 $2,115,000 $235,000 $3,701 3.06%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $2,085,000 $695,000 $8,435 2.67%
St. Marys, GA (FHA|USDA|VA) 9 $1,965,000 $218,333 $5,313 2.94%
GREENVILLE, NC (FHA|USDA|VA) 3 $1,925,000 $641,667 $9,486 2.88%
DALTON, GA (FHA|USDA|VA) 8 $1,890,000 $236,250 $5,332 3.61%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 10 $1,740,000 $174,000 $3,048 2.94%
Orangeburg, SC (FHA|USDA|VA) 4 $1,680,000 $420,000 $6,185 3.20%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,485,000 $297,000 $8,002 3.25%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 8 $1,460,000 $182,500 $4,285 3.43%
Waycross, GA (FHA|USDA|VA) 15 $1,425,000 $95,000 $3,276 3.24%
Key West, FL (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $9,242 3.25%
PANAMA CITY, FL (FHA|USDA|VA) 4 $1,370,000 $342,500 $3,909 3.18%
WINSTON-SALEM, NC (FHA|USDA|VA) 5 $1,335,000 $267,000 $5,177 2.95%
WARNER ROBINS, GA (FHA|USDA|VA) 5 $1,255,000 $251,000 $4,274 3.15%
Jesup, GA (FHA|USDA|VA) 7 $1,165,000 $166,429 $4,126 3.37%
ROCKY MOUNT, NC (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,808 2.94%
Toccoa, GA (FHA|USDA|VA) 6 $1,050,000 $175,000 $3,132 3.30%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 4 $1,020,000 $255,000 $4,585 3.44%
Sanford, NC (FHA|USDA|VA) 6 $1,010,000 $168,333 $4,361 3.42%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 9 $995,000 $110,556 $3,354 3.19%
Statesboro, GA (FHA|USDA|VA) 8 $990,000 $123,750 $2,730 3.12%
Milledgeville, GA (FHA|USDA|VA) 3 $855,000 $285,000 $3,521 3.00%
Crossville, TN (FHA|USDA|VA) 5 $805,000 $161,000 $3,144 2.85%
Lumberton, NC (FHA|USDA|VA) 4 $800,000 $200,000 $10,830 3.19%
Washington, NC (FHA|USDA|VA) 2 $790,000 $395,000 $6,792 2.81%
Henderson, NC (FHA|USDA|VA) 2 $770,000 $385,000 $4,918 3.38%
Alexander City, AL (FHA|USDA|VA) 2 $740,000 $370,000 $6,574 3.25%
Fort Payne, AL (FHA|USDA|VA) 4 $610,000 $152,500 $2,841 3.44%
Wilson, NC (FHA|USDA|VA) 3 $555,000 $185,000 $2,529 3.17%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $520,000 $260,000 $4,074 2.94%
Paris, TN (FHA|USDA|VA) 3 $505,000 $168,333 $4,035 3.38%
Kill Devil Hills, NC (FHA|USDA|VA) 1 $505,000 $505,000 $5,926 3.75%
HINESVILLE, GA (FHA|USDA|VA) 2 $500,000 $250,000 $5,347 3.13%
SUMTER, SC (FHA|USDA|VA) 3 $485,000 $161,667 $3,931 3.08%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $485,000 $485,000 $0 2.75%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $440,000 $220,000 $3,110 3.13%
OCALA, FL (FHA|USDA|VA) 2 $430,000 $215,000 $4,533 2.63%
GOLDSBORO, NC (FHA|USDA|VA) 3 $375,000 $125,000 $4,600 3.25%
Albertville, AL (FHA|USDA|VA) 2 $360,000 $180,000 $3,267 3.06%
NEW BERN, NC (FHA|USDA|VA) 3 $345,000 $115,000 $3,950 2.88%
Cookeville, TN (FHA|USDA|VA) 1 $295,000 $295,000 $3,073 2.75%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $295,000 $295,000 $0 2.75%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $265,000 $265,000 $2,924 2.63%
Shelby, NC (FHA|USDA|VA) 2 $260,000 $130,000 $0 2.75%
Albemarle, NC (FHA|USDA|VA) 1 $235,000 $235,000 $3,040 2.88%
Roanoke Rapids, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,116 2.63%
Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $185,000 $185,000 $3,926 3.63%
Dayton, TN (FHA|USDA|VA) 1 $185,000 $185,000 $2,931 2.63%
Mount Airy, NC (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.50%
Kinston, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,218 2.75%
TUSCALOOSA, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,151 2.88%
HUNTSVILLE, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,396 3.50%
GAINESVILLE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,065 3.00%
MOBILE, AL (FHA|USDA|VA) 1 $125,000 $125,000 $2,665 3.38%
SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,903 2.88%
JACKSONVILLE, NC (FHA|USDA|VA) 1 $85,000 $85,000 $3,390 3.63%
Union, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.00%
Laurinburg, NC (FHA|USDA|VA) 1 $25,000 $25,000 $2,427 3.63%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $15,000 $15,000 $0 3.25%

United Community Bank's top markets include Atlanta, Raleigh, Greenville, Charleston, and Asheville among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 10,383 $2,956,785,000 $284,772 $4,452 3.07%
FHA 333 $73,675,000 $221,246 $7,344 2.99%
VA 157 $46,705,000 $297,484 $6,804 2.77%
USDA 96 $18,340,000 $191,042 $5,264 2.88%

For the 2021 period, United Community Bank's most frequently originated loan type of loans were Conventional, with 10,383 originations. Their 2nd most popular type is FHA, with 333 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 4,138 $1,615,790,000 $390,476 $5,528 3.08%
Refi 2,971 $776,795,000 $261,459 $3,599 3.01%
Cash Out Refi 1,587 $456,685,000 $287,766 $4,081 3.11%
Home Improvement 1,292 $133,250,000 $103,135 $2,046 3.06%
Other 981 $112,985,000 $115,173 $439 3.04%

For the 2021, United Community Bank's most frequently cited loan purpose of loans were Home Purchase, with 4,138 originations. The 2nd most popular reason of loans were Refi, with 2,971 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 4,789 $1,563,975,000 $326,577 $4,611 3.09%
Other 3,455 $584,875,000 $169,284 $2,844 3.02%
30+ year 1,195 $606,965,000 $507,921 $6,811 3.06%
15 Year 898 $179,550,000 $199,944 $3,000 2.85%
20 Year 267 $57,695,000 $216,086 $3,318 3.04%
5 Year 178 $53,440,000 $300,225 $393 4.03%
10 Year 161 $31,805,000 $197,547 $2,206 3.15%
1 Year 20 $11,410,000 $570,500 $2,527 4.16%
3 Year 6 $5,790,000 $965,000 $2 3.45%

For the 2021, United Community Bank's most frequently cited loan length of loans were 30 Year, with 4,789 originations. The 2nd most popular length of loans were Other, with 3,455 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 3,292 $957,210,000 $290,769
$1k-2k 2,644 $883,010,000 $333,967
$2k-3k 639 $202,595,000 $317,050
$3k-4k 491 $182,075,000 $370,825
$5k+ 347 $221,185,000 $637,421

$4,611 of loans were United Community Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 3,292 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
2.5-3% 4,314 $1,307,770,000 $303,146
3-4% 3,697 $989,035,000 $267,524
<2.5% 2,277 $680,905,000 $299,036
4-5% 564 $107,730,000 $191,011
5-6% 72 $7,580,000 $105,278
6-7% 37 $2,135,000 $57,703
7-8% 4 $280,000 $70,000
Over 8% 4 $70,000 $17,500

During 2021, United Community Bank's average interest rate of loans were 3.09%, while their most frequently originated rate bucket of loans were 2.5-3%, with 4,314 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$200k-400k 3,626 $1,014,350,000 $279,744 $4,619 3.03%
$100k-200k 2,852 $419,120,000 $146,957 $3,631 3.08%
$100,000 or less 2,396 $129,070,000 $53,869 $1,998 3.21%
$400k-600k 1,221 $591,705,000 $484,607 $5,679 3.02%
$600k-1MM 636 $482,530,000 $758,695 $6,811 2.77%
$1MM+ 238 $458,730,000 $1,927,437 $10,416 2.85%

2021 saw United Community Bank place emphasis on $200k-400k loans with 3,626 originations, totaling $1,014,350,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$100k-150k 2,199 $561,645,000 $255,409 $4,641 3.05%
$50k-75k 2,027 $352,205,000 $173,757 $4,160 3.10%
$150k-250k 1,821 $635,565,000 $349,020 $5,313 2.96%
$75k-100k 1,580 $333,840,000 $211,291 $4,436 3.08%
$50k or less 1,524 $187,290,000 $122,894 $3,479 3.18%
$250k+ 1,273 $748,535,000 $588,009 $6,494 2.88%

United Community Bank lent most frequently to those with incomes in the $100k-150k range, with 2,199 originations. The second most popular income band? $50k-75k, with 2,027 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 2,731 $713,415,000 $261,228 $4,447 2.99%
30-36% 2,068 $579,860,000 $280,397 $4,747 3.09%
<20% 1,610 $415,900,000 $258,323 $4,337 2.89%
39% 435 $123,115,000 $283,023 $5,135 3.15%
38% 396 $115,880,000 $292,626 $4,793 3.08%
37% 379 $117,095,000 $308,958 $4,937 3.04%
40% 371 $120,085,000 $323,679 $5,131 3.11%
36% 356 $101,700,000 $285,674 $4,738 3.12%
42% 348 $98,890,000 $284,167 $4,890 3.07%
41% 338 $97,570,000 $288,669 $4,769 3.09%
44% 330 $76,610,000 $232,152 $4,093 3.18%
43% 310 $80,670,000 $260,226 $4,645 3.12%
45% 212 $51,250,000 $241,745 $4,646 3.12%
47% 181 $36,945,000 $204,116 $4,194 2.89%
50-60% 162 $44,710,000 $275,988 $6,393 2.95%
46% 140 $34,040,000 $243,143 $4,356 2.97%
48% 138 $33,250,000 $240,942 $4,565 2.96%
49% 95 $22,525,000 $237,105 $4,520 3.12%
>60% 73 $14,705,000 $201,438 $1,873 3.77%

United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 2,731 originations. The next most common DTI ratio? 30-36%, with 2,068 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 9,312 $2,502,520,000 $268,741 $4,581 3.05%
Not applicable 212 $202,980,000 $957,453 $0 3.89%
Not provided 808 $198,160,000 $245,248 $4,770 3.00%
Black 388 $108,560,000 $279,794 $5,385 3.08%
Asian 144 $53,140,000 $369,028 $5,349 2.91%
American Indian 56 $13,870,000 $247,679 $5,253 3.20%
Asian Indian 30 $11,280,000 $376,000 $4,969 2.78%
Other Asian 8 $2,390,000 $298,750 $5,209 2.92%
Chinese 4 $1,140,000 $285,000 $4,413 3.24%
Native Hawaiian 2 $400,000 $200,000 $3,195 3.38%
Korean 1 $365,000 $365,000 $6,751 2.38%
Vietnamese 1 $325,000 $325,000 $3,477 3.50%
Japanese 1 $285,000 $285,000 $3,007 2.38%
Other Pacific Islander 1 $55,000 $55,000 $1,811 4.27%
Filipino 1 $35,000 $35,000 $0 3.25%

Approval Rates

Total approvals of all applications
82.64%

United Community Bank has a below average approval rate.

Pick Rate

Approvals leading to origination
78.30%

United Community Bank has a below average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 10,969 $3,095,505,000 $282,205

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
10,969 $3,095,505,000 $282,205

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 1,627 $250,775,000 $154,133 $3,303 3.02%
40-60% 1,911 $621,475,000 $325,209 $3,967 2.94%
60-80% 3,419 $1,306,705,000 $382,189 $4,825 3.07%
80-100% 2,397 $793,755,000 $331,145 $5,227 3.14%
Over 100% 41 $13,695,000 $334,024 $12,213 2.92%
Under 20% 1,560 $107,000,000 $68,590 $1,319 3.12%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
UNITED COMMUNITY BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%
UNITED COMMUNITY BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 20.0%
UNITED COMMUNITY BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%
UNITED COMMUNITY BANK Other type of mortgage Trouble during payment process 1 20.0%
UNITED COMMUNITY BANK Conventional home mortgage Trouble during payment process 1 20.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
United Community Bank 10 Park Place East Brevard, NC 28712 Full Service B&M $59,819
United Community Bank 102 East Main Street Clayton, NC 27520 Full Service B&M $111,094
United Community Bank 10514 Kingston Pike Knoxville, TN 37922 Full Service B&M $60,255
United Community Bank 106 West College Street Simpsonville, SC 29681 Full Service B&M $85,566
United Community Bank 108 East Main Street Duncan, SC 29334 Full Service B&M $48,650
United Community Bank 1087 Hunters Crossing Alcoa, TN 37701 Full Service B&M $34,504
United Community Bank 109 Highway 53 West Dawsonville, GA 30534 Full Service B&M $168,180
United Community Bank 109 Scranton Connector Brunswick, GA 31521 Full Service B&M $122,686
United Community Bank 115 E. Burleigh Boulevard Tavares, FL 32778 Full Service B&M $60,000
United Community Bank 115 Four Oaks Place Dunn, NC 28334 Full Service B&M $20,928
United Community Bank 11500 Asheville Highway Inman, SC 29349 Full Service B&M $58,478
United Community Bank 116 Peachtree Street Murphy, NC 28906 Full Service B&M $228,611
United Community Bank 118 Whitfield Drive Jasper, GA 30143 Full Service B&M $93,686
United Community Bank 15 Cedartown Street Cave Spring, GA 30124 Full Service B&M $37,536
United Community Bank 1500 Commerce Drive Peachtree City, GA 30269 Full Service B&M $90,828
United Community Bank 1510 Old Trolley Road Summerville, SC 29485 Full Service B&M $40,046
United Community Bank 1524 East Main Street Easley, SC 29640 Full Service B&M $37,947
United Community Bank 1528 North Hwy 74 Tyrone, GA 30290 Full Service B&M $79,254
United Community Bank 153 East Kytle Street Cleveland, GA 30528 Full Service B&M $228,103
United Community Bank 160 West Main Street Brevard, NC 28712 Full Service B&M $76,082
United Community Bank 1627-A Church Street Conway, SC 29526 Full Service B&M $36,195
United Community Bank 1640 East Main Street Sylva, NC 28779 Full Service B&M $82,064
United Community Bank 165 North Main Street Waynesville, NC 28786 Full Service B&M $110,747
United Community Bank 1701 North Oak Street Myrtle Beach, SC 29577 Full Service B&M $102,409
United Community Bank 177 Highway 515 East Blairsville, GA 30512 Full Service B&M $1,042,193
United Community Bank 2456 Mars Hill Road Athens, GA 30606 Full Service B&M $26,598
United Community Bank 2461 Demere Road St. Simons Island, GA 31522 Full Service B&M $79,853
United Community Bank 2520 Chimney Rock Road Hendersonville, NC 28792 Full Service B&M $78,133
United Community Bank 2525 Keith St Nw Cleveland, TN 37312 Full Service B&M $66,648
United Community Bank 257 East Main Street Franklin, NC 28734 Full Service B&M $90,257
United Community Bank 257 Medical Park Drive Lenoir City, TN 37771 Full Service B&M $279,011
United Community Bank 27 Bull Street Savannah, GA 31401 Full Service B&M $115,649
United Community Bank 2760 Martha Berry Highway Rome, GA 30165 Full Service B&M $46,344
United Community Bank 290 Village Square Loudon, TN 37774 Full Service B&M $116,729
United Community Bank 291 East Us Highway 19e Burnsville, NC 28714 Full Service B&M $76,018
United Community Bank 300 North Weston Street Fountain Inn, SC 29644 Full Service B&M $68,137
United Community Bank 3001 Tamiami Trail North Naples, FL 34103 Full Service B&M $10,039
United Community Bank 306 East North Street Greenville, SC 29601 Full Service B&M $198,486
United Community Bank 401 West Butler Road Mauldin, SC 29662 Full Service B&M $46,984
United Community Bank 4018 Forest Dr Columbia, SC 29204 Full Service B&M $5,098
United Community Bank 403 South Brightleaf Boulevard Smithfield, NC 27577 Limited, Drive-thru $0
United Community Bank 406 East Main Street Wallace, NC 28466 Full Service B&M $93,542
United Community Bank 420 Royal Palm Way, Suite 200 Palm Beach, FL 33480 Full Service B&M $14,597
United Community Bank 4290 Professional Center Drive, Ste 201 Palm Beach Gardens, FL 33410 Full Service B&M $51,447
United Community Bank 4356 South Lee Street Buford, GA 30518 Full Service B&M $160,327
United Community Bank 4365 Browns Bridge Road Cumming, GA 30041 Full Service B&M $357,969
United Community Bank 449 East Main Street Spartanburg, SC 29302 Full Service B&M $96,605
United Community Bank 450 East Las Olas Blvd Suite 150 Fort Lauderdale, FL 33301 Full Service B&M $110,243
United Community Bank 468 West Louise Street Clarkesville, GA 30523 Full Service B&M $130,824
United Community Bank 470 Haywood Road Greenville, SC 29607 Full Service B&M $60,509
United Community Bank 525 North Jeff Davis Drive Fayetteville, GA 30214 Full Service B&M $156,028
United Community Bank 5346 Sunset Blvd Lexington, SC 29072 Full Service B&M $9,852
United Community Bank 54 N Mitchell Ave Bakersville, NC 28705 Full Service B&M $55,032
United Community Bank 5426 Bay Center Drive Tampa, FL 33609 Full Service B&M $84,515
United Community Bank 558 Industrial Boulevard Ellijay, GA 30540 Full Service B&M $305,122
United Community Bank 5679 Appalachian Highway Blue Ridge, GA 30513 Full Service B&M $11,456
United Community Bank 570 Roe Center Court Travelers Rest, SC 29690 Full Service B&M $27,898
United Community Bank 6144 Us Highway 301 South Four Oaks, NC 27524 Full Service B&M $117,373
United Community Bank 617 Hwy. 17 South North Myrtle Beach, SC 29582 Full Service B&M $55,009
United Community Bank 6372 Highway 53 East Dawsonville, GA 30534 Full Service B&M $136,964
United Community Bank 65 Washington Street Fairburn, GA 30213 Full Service B&M $227,860
United Community Bank 6600 Mcginnis Ferry Road Duluth, GA 30097 Full Service B&M $102,073
United Community Bank 817 Mulberry Street Loudon, TN 37774 Full Service B&M $47,911
United Community Bank 820 North Highway A1a, Suite E-11 Ponte Vedra Beach, FL 32082 Full Service B&M $80,869
United Community Bank 8201 White Bluff Rd Savannah, GA 31406 Full Service B&M $46,631
United Community Bank 8460 Hwy 75 N Helen, GA 30545 Limited, Drive-thru $52,250
United Community Bank 850 Eagle's Landing Parkway Stockbridge, GA 30281 Full Service B&M $178,724
United Community Bank 865 Hampton Road Mcdonough, GA 30253 Full Service B&M $47,902
United Community Bank 875 Lowcountry Boulevard Mount Pleasant, SC 29464 Full Service B&M $107,621
United Community Bank 901 South Mechanic Street Pendleton, SC 29670 Full Service B&M $78,923
United Community Bank 9100 Covington Bypass Covington, GA 30014 Full Service B&M $57,041
United Community Bank 922 E Main St Laurens, SC 29360 Full Service Cyber Office $33,064
United Community Bank 946 Orleans Road Charleston, SC 29407 Full Service B&M $97,910
United Community Bank 95 U.S. Highway 64 West Hayesville, NC 28904 Full Service B&M $103,024
United Community Bank 149 Brackett's Way Blairsville, GA 30512 Full Service B&M $40,855
United Community Bank 119 Maple Street Carrollton, GA 30117 Full Service B&M $308,505
United Community Bank 11915 Plaza Drive Murrells Inlet, SC 29576 Full Service B&M $41,770
United Community Bank 1220 Richard Sailors Parkway Powder Springs, GA 30127 Full Service B&M $111,996
United Community Bank 128 North Second Street Smithfield, NC 27577 Full Service B&M $115,615
United Community Bank 1300 2nd Avenue Conway, SC 29526 Full Service B&M $27,816
United Community Bank 132 Rodney Orr Bypass Robbinsville, NC 28771 Full Service B&M $101,030
United Community Bank 1320 Joe Frank Harris Parkway Cartersville, GA 30120 Full Service B&M $46,327
United Community Bank 1400 Augusta Street Greenville, SC 29605 Full Service B&M $181,103
United Community Bank 14031 Highway 27 Trion, GA 30753 Full Service B&M $32,680
United Community Bank 1408 Garner Station Boulevard Raleigh, NC 27603 Full Service B&M $35,130
United Community Bank 145 Slope Street Bryson City, NC 28713 Full Service B&M $128,535
United Community Bank 1472 441 By-Pass Cornelia, GA 30531 Full Service B&M $190,294
United Community Bank 1800 North Military Trail, Suite 100 Boca Raton, FL 33431 Full Service B&M $96,865
United Community Bank 182 Blue Ridge Drive Mccaysville, GA 30555 Full Service B&M $96,049
United Community Bank 1999 Main Street Sarasota, FL 34236 Full Service B&M $74,229
United Community Bank 20 Frank Allen Road Cashiers, NC 28717 Full Service B&M $110,196
United Community Bank 200 Cherokee Street Marietta, GA 30090 Full Service B&M $415,317
United Community Bank 200 East Church Street Benson, NC 27504 Full Service B&M $44,419
United Community Bank 200 Glen Road Garner, NC 27529 Full Service B&M $41,550
United Community Bank 200 Linville Street Newland, NC 28657 Full Service B&M $57,238
United Community Bank 2001 Commercial Drive, South Brunswick, GA 31525 Full Service B&M $67,681
United Community Bank 201 South Orange Avenue, Suite 1350 Orlando, FL 32801 Full Service B&M $383,246
United Community Bank 201 West Center Street Holly Springs, NC 27540 Full Service B&M $45,625
United Community Bank 2055 Homer Road Commerce, GA 30529 Full Service B&M $110,683
United Community Bank 206 Morrison Moore Parkway Dahlonega, GA 30533 Full Service B&M $201,615
United Community Bank 207 North Cambridge Ninety Six, SC 29666 Full Service B&M $44,986
United Community Bank 210 General Daniel Avenue Danielsville, GA 30633 Full Service B&M $67,655
United Community Bank 2101 Woodruff Road Greenville, SC 29607 Full Service B&M $50,237
United Community Bank 214 North Main Street Hiawassee, GA 30546 Full Service B&M $260,205
United Community Bank 2157 Sandridge Court Gainesville, GA 30501 Full Service B&M $89,652
United Community Bank 2160 W Spring St Monroe, GA 30655 Full Service B&M $35,425
United Community Bank 2168 Scenic Highway Snellville, GA 30078 Full Service B&M $88,508
United Community Bank 2215 Riverstone Boulevard Canton, GA 30114 Full Service B&M $183,218
United Community Bank 2222 Ponde De Leon Blvd, Suite 101 Coral Gables, FL 33134 Full Service B&M $42,199
United Community Bank 2225 East Victory Drive Savannah, GA 31404 Full Service B&M $69,066
United Community Bank 223 North 3rd Street Kingston, TN 37763 Full Service B&M $64,296
United Community Bank 2230 Riverside Parkway Lawrenceville, GA 30043 Full Service B&M $368,414
United Community Bank 307 East 2nd Avenue Rome, GA 30162 Full Service B&M $275,162
United Community Bank 309 Southeast Osceola Street, Suite 106 Stuart, FL 34994 Full Service B&M $22,801
United Community Bank 311 South Limestone Street Gaffney, SC 29340 Full Service B&M $68,260
United Community Bank 3187 Highway 9 East Little River, SC 29566 Full Service B&M $39,425
United Community Bank 325 N Judd Parkway, N.E. Fuquay Varina, NC 27526 Full Service B&M $91,209
United Community Bank 3273 U.S. Highway 441 North Whittier, NC 28789 Full Service B&M $51,436
United Community Bank 3310 Henderson Mill Road Atlanta, GA 30341 Full Service B&M $97,016
United Community Bank 351 Jesse Jewell Pkwy Gainesville, GA 30501 Full Service B&M $300,633
United Community Bank 3781 Sixes Road Canton, GA 30114 Full Service B&M $57,953
United Community Bank 3785 Mundy Mill Road Oakwood, GA 30566 Full Service B&M $154,602
United Community Bank 3995 Sc Highway 9 Boiling Springs, SC 29316 Full Service B&M $55,719
United Community Bank 4000 Appalachian Highway Blue Ridge, GA 30513 Full Service B&M $425,623
United Community Bank 4705 South Apopka Vineland Road, Suite 120 Orlando, FL 32819 Full Service B&M $164,499
United Community Bank 4711 Six Forks Road Raleigh, NC 27609 Full Service B&M $47,329
United Community Bank 485 W. Bankhead Highway Villa Rica, GA 30180 Full Service B&M $35,476
United Community Bank 4970 Bill Gardner Parkway Locust Grove, GA 30248 Full Service B&M $60,504
United Community Bank 50 United Bank Drive Etowah, NC 28729 Full Service B&M $60,833
United Community Bank 5009 Broad Street Loris, SC 29569 Full Service B&M $93,042
United Community Bank 501 Church Street Laurens, SC 29360 Full Service B&M $77,478
United Community Bank 5100 Dallas Highway Powder Springs, GA 30127 Full Service B&M $131,479
United Community Bank 5125 Atlanta Highway Alpharetta, GA 30004 Full Service B&M $54,942
United Community Bank 516 Hwy 441 S Clayton, GA 30525 Full Service B&M $162,180
United Community Bank 5172 Cleveland Hwy Gainesville, GA 30506 Full Service B&M $71,345
United Community Bank 52 Burnt Church Road Bluffton, SC 29910 Full Service B&M $44,257
United Community Bank 6670 Church Street Douglasville, GA 30134 Full Service B&M $44,793
United Community Bank 700 West Morse Blvd., Suite 100 Winter Park, FL 32789 Full Service B&M $216,459
United Community Bank 701 Montague Avenue Greenwood, SC 29649 Full Service B&M $114,012
United Community Bank 71 Bullsboro Newnan, GA 30265 Full Service B&M $62,539
United Community Bank 732 Main Street Andrews, NC 28901 Full Service B&M $71,633
United Community Bank 7400 Adairsville Hwy Adairsville, GA 30103 Full Service B&M $85,078
United Community Bank 780 Us Highway 29 North Athens, GA 30601 Full Service B&M $130,535
United Community Bank 800 Summit Avenue Spruce Pine, NC 28777 Full Service B&M $87,750
United Community Bank 8036 Valley Blvd Blowing Rock, NC 28605 Full Service B&M $42,462
United Community Bank 805 North Arendell Avenue Zebulon, NC 27597 Full Service B&M $83,171
United Community Bank 809 West Wade Hampton Boulevard Greer, SC 29650 Full Service B&M $51,582
United Community Bank 815 North Main Street Anderson, SC 29621 Full Service B&M $93,374
United Community Bank 9699 Rome Boulevard Summerville, GA 30747 Full Service B&M $146,813
United Community Bank 100 Colonial Center Parkway Lake Mary, FL 32746 Full Service B&M $56,676
United Community Bank 1000 Georgia Hwy138 Se Conyers, GA 30013 Full Service B&M $215,581
United Community Bank 101 West Main Street Laurens, SC 29360 Full Service B&M $137,612
United Community Bank 1010 Plant Avenue Waycross, GA 31501 Full Service B&M $37,814
United Community Bank 1015 Buford Highway Cumming, GA 30041 Full Service B&M $84,431

For 2021, United Community Bank had 154 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $575,631
Net interest income $559,873
Total noninterest income $153,230
Gross Fiduciary activities income $4,257
Service charges on deposit accounts $20,004
Trading account gains and fees $3,288
Additional Noninterest Income $125,681
Pre-tax net operating income $362,887
Securities gains (or losses, -) $83
Income before extraordinary items $278,092
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $278,092
Minority interest net income $0
Net income $278,092
Sale, conversion, retirement of capital stock, net $0
Net operating income $278,026

United Community Bank's gross interest income from loans was $575,631,000.
United Community Bank's net interest income from loans was $559,873,000.
United Community Bank's fee based income from loans was $20,004,000.
United Community Bank's net income from loans was $278,092,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $15,758
Provision for credit losses $-37,550
Total noninterest expense $387,766
Salaries and employee benefits $226,714
Premises and equipment expense $36,669
Additional noninterest expense $124,383
Applicable income taxes $84,878
Net charge-offs $38
Cash dividends $217,000

United Community Bank's interest expense for loans was $15,758,000.
United Community Bank's payroll and benefits expense were $226,714,000.
United Community Bank's property, plant and equipment expenses $36,669,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 0.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 0.0%
Multifamily residential loans 0.0%
1-4 family residential loans 0.0%
HELOC loans 0.0%
All other family 0.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $18,549,091
Deposits held in domestic offices $18,549,091
Deposits by Individuals, partnerships, and corporations $16,009,749
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $2,462,360
Deposits by Commercial banks and other depository institutions in U.S. $76,982
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $11,232,705
Demand deposits $7,677,899
Nontransaction accounts $7,316,386
Money market deposit accounts (MMDAs) $4,600,295
Other savings deposits (excluding MMDAs) $1,209,640
Total time deposits $1,506,451
Total time and savings deposits $10,871,192
Noninterest-bearing deposits $6,962,767
Interest-bearing deposits $11,586,324
Retail deposits $18,103,121
IRAs and Keogh plan accounts $274,879
Brokered deposits $190,358
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $20,897,645
Cash & Balances due from depository institutions $2,295,247
Interest-bearing balances $2,082,119
Total securities $5,644,948
Federal funds sold & reverse repurchase $27,000
Net loans and leases $11,701,923
Loan and leases loss allowance $102,532
Trading account assets $29,631
Bank premises and fixed assets $267,844
Other real estate owned $1,144
Goodwill and other intangibles $482,639
All other assets $447,269

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $20,897,645
Total Liabilities $18,746,962
Total deposits $18,549,091
Interest-bearing deposits $11,586,324
Deposits held in domestic offices $18,549,091
% insured (estimated) $57
Federal funds purchased and repurchase agreements $0
Trading liabilities $19,895
Other borrowed funds $0
Subordinated debt $0
All other liabilities $177,976

Issued Loan Types

Type Value (in 000's)
Net loans and leases $11,701,923
Loan and leases loss allowance $102,532
Total loans and leases (domestic) $11,804,455
All real estate loans $8,673,217
Real estate loans in domestic offices $8,673,217
Construction and development loans $1,374,645
Residential 1-4 family construction $451,445
Other construction, all land development and other land $923,200
Loans secured by nonfarm nonresidential properties $4,482,671
Nonfarm nonresidential secured by owner-occupied properties $2,231,009
Commercial real estate & other non-farm, non-residential $2,251,662
Multifamily residential real estate $170,996
1-4 family residential loans $2,610,529
Farmland loans $34,376
Loans held in foreign offices $0
Farm loans $4,569
Commercial and industrial loans $2,926,203
To non-U.S. addressees $0
Loans to individuals $137,048
Credit card loans $0
Related Plans $25,164
Consumer Auto Loans $40,282
Other loans to individuals $71,602
All other loans & leases $63,419
Loans to foreign governments and official institutions $0
Other loans $2,115
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $97,923
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $40,422
Non 1-4 family restructured loans & leases $26,519
Total loans and leases (foreign) $0

United Community Bank had $11,701,923,000 of loans outstanding in 2021. $8,673,217,000 of loans were in real estate loans. $1,374,645,000 of loans were in development loans. $170,996,000 of loans were in multifamily mortgage loans. $2,610,529,000 of loans were in 1-4 family mortgage loans. $4,569,000 of loans were in farm loans. $0 of loans were in credit card loans. $40,282,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 3,889 $1,088,222 $279,821
Nonfarm, nonresidential loans - <$100k 447 $19,461 $43,537
Nonfarm, nonresidential loans - $100-250k 1,119 $135,010 $120,652
Nonfarm, nonresidential loans - $250k-1MM 2,323 $933,751 $401,959
Commercial & Industrial, US addressed loans - <$1MM 35,729 $1,540,370 $43,113
Commercial & Industrial, US addressed loans - <$100k 28,957 $547,842 $18,919
Commercial & Industrial, US addressed loans - $100-250k 4,565 $405,868 $88,909
Commercial & Industrial, US addressed loans - $250k-1MM 2,207 $586,660 $265,818
Farmland loans - <$1MM 162 $14,578 $89,988
Farmland loans - <$100k 72 $2,349 $32,625
Farmland loans - $100-250k 64 $6,313 $98,641
Farmland loans - $250k-1MM 26 $5,916 $227,538
Agriculture operations loans - <$1MM 89 $3,954 $44,427
Agriculture operations loans - <$100k 72 $1,313 $18,236
Agriculture operations loans - $100-250k 13 $1,636 $125,846
Agriculture operations loans - $250k-1MM 4 $1,005 $251,250