United Community Bank Mortgage Rates, Fees & Info

Blairsville, GA

LEI: T68X8LLAQYRNDV034K14

Tax ID: 58-0554454

5 stars - Updated: 4/18/24 - out of 5 stars, based on 84 reviews

Latest/2023 | 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 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 by origination volume include: Atlanta, Raleigh, Charleston, Greenville, and Charlotte among others. We have data for 202 markets. (Some data included below & more in-depth data is available with an active subscription.)

United Community Bank has a below 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 an average 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 relatively high 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) 6.27% 4/18/24
30 Year Conventional Purchase 6.76% 4/18/24
30 Year Conventional Refi 6.56% 4/18/24
30 Year Cash-out Refi 6.79% 4/18/24
30 Year FHA Purchase 7.19% 4/18/24
30 Year FHA Refi 7.29% 4/18/24
30 Year VA Purchase 6.17% 4/18/24
30 Year USDA Purchase 6.74% 4/18/24
15 Year Conventional Purchase 6.85% 4/18/24
15 Year Conventional Refi 6.08% 4/18/24
15 Year Cash-out Refi 6.08% 4/18/24
15 Year FHA Purchase 5.68% 4/18/24
15 Year VA Refi 5.68% 4/18/24
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

6,991

Origination Dollar Volume (All Markets)

$1,649,525,000
Show all (20) awards

Relative Rate

United Community Bank's average 30 year fixed mortgage rate was 6.69%.

The 2023 average 30 year fixed rate mortgage across all markets and lenders was 6.48%.

This yields a difference of 0.21%.

Relative Fees (Closing Costs)

United Community Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $6,356.

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 $9,089.

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) 1,226 $307,380,000 $250,718 $5,454 7.22%
Outside of Metro Areas 1,422 $258,850,000 $182,032 $4,479 7.52%
RALEIGH-CARY, NC (FHA|USDA|VA) 292 $79,840,000 $273,425 $6,091 6.75%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 115 $61,905,000 $538,304 $5,996 6.92%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 327 $56,985,000 $174,266 $3,613 7.17%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 189 $55,365,000 $292,937 $5,050 6.91%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 244 $52,490,000 $215,123 $3,696 7.13%
ASHEVILLE, NC (FHA|USDA|VA) 185 $49,535,000 $267,757 $4,664 7.14%
JACKSONVILLE, FL (FHA|USDA|VA) 46 $46,910,000 $1,019,783 $7,627 6.03%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 89 $46,645,000 $524,101 $11,233 6.84%
KNOXVILLE, TN (FHA|USDA|VA) 182 $43,400,000 $238,462 $5,190 7.18%
GAINESVILLE, GA (FHA|USDA|VA) 172 $37,980,000 $220,814 $4,198 7.30%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 27 $33,055,000 $1,224,259 $6,809 6.79%
HUNTSVILLE, AL (FHA|USDA|VA) 102 $30,960,000 $303,529 $6,087 6.66%
ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 67 $22,865,000 $341,269 $4,126 7.21%
ROME, GA (FHA|USDA|VA) 133 $22,025,000 $165,602 $5,734 7.32%
CLEVELAND, TN (FHA|USDA|VA) 119 $21,755,000 $182,815 $5,193 6.89%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 35 $20,915,000 $597,571 $9,557 7.25%
BRUNSWICK, GA (FHA|USDA|VA) 67 $20,665,000 $308,433 $5,391 7.15%
MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 111 $19,795,000 $178,333 $3,587 7.14%
Cullowhee, NC (FHA|USDA|VA) 70 $17,710,000 $253,000 $5,649 7.25%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 65 $16,865,000 $259,462 $6,550 6.72%
PANAMA CITY, FL (FHA|USDA|VA) 37 $16,355,000 $442,027 $7,738 6.39%
SAVANNAH, GA (FHA|USDA|VA) 70 $15,690,000 $224,143 $5,436 7.31%
Brevard, NC (FHA|USDA|VA) 67 $14,965,000 $223,358 $5,295 7.21%
HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 53 $14,795,000 $279,151 $6,825 7.11%
TUSCALOOSA, AL (FHA|USDA|VA) 64 $14,410,000 $225,156 $6,638 6.98%
Cornelia, GA (FHA|USDA|VA) 91 $14,215,000 $156,209 $4,036 7.33%
SPARTANBURG, SC (FHA|USDA|VA) 99 $13,485,000 $136,212 $3,107 7.13%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 33 $13,145,000 $398,333 $6,908 6.83%
FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) 58 $11,360,000 $195,862 $5,311 7.26%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 56 $8,970,000 $160,179 $5,855 7.75%
Jefferson, GA (FHA|USDA|VA) 50 $8,590,000 $171,800 $4,918 7.22%
FAYETTEVILLE, NC (FHA|USDA|VA) 39 $8,505,000 $218,077 $5,578 5.74%
Summerville, GA (FHA|USDA|VA) 89 $7,755,000 $87,135 $3,479 7.27%
COLUMBIA, SC (FHA|USDA|VA) 55 $7,485,000 $136,091 $5,468 7.08%
DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 21 $7,255,000 $345,476 $7,912 7.49%
WILMINGTON, NC (FHA|USDA|VA) 19 $6,945,000 $365,526 $6,354 6.93%
Boone, NC (FHA|USDA|VA) 25 $6,805,000 $272,200 $5,447 7.05%
DECATUR, AL (FHA|USDA|VA) 31 $5,585,000 $180,161 $4,037 7.32%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 60 $5,430,000 $90,500 $0 9.56%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 37 $4,855,000 $131,216 $4,138 7.20%
Seneca, SC (FHA|USDA|VA) 14 $4,740,000 $338,571 $7,733 6.72%
Greenwood, SC (FHA|USDA|VA) 26 $4,520,000 $173,846 $7,295 7.14%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 14 $4,360,000 $311,429 $4,005 7.29%
Marion, NC (FHA|USDA|VA) 10 $3,910,000 $391,000 $4,956 6.69%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 8 $3,510,000 $438,750 $14,859 7.42%
Cedartown, GA (FHA|USDA|VA) 15 $3,385,000 $225,667 $7,669 7.39%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 6 $3,190,000 $531,667 $10,747 7.21%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 7 $2,945,000 $420,714 $5,653 6.36%
Morehead City, NC (FHA|USDA|VA) 7 $2,925,000 $417,857 $5,766 7.23%
Calhoun, GA (FHA|USDA|VA) 19 $2,825,000 $148,684 $5,411 7.10%
GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 9 $2,375,000 $263,889 $5,666 6.90%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 6 $2,140,000 $356,667 $8,932 7.04%
Athens, TN (FHA|USDA|VA) 8 $2,060,000 $257,500 $5,858 7.64%
Gaffney, SC (FHA|USDA|VA) 13 $2,055,000 $158,077 $2,218 7.11%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 11 $2,035,000 $185,000 $8,907 7.15%
Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $2,005,000 $2,005,000 $14,279 8.00%
BURLINGTON, NC (FHA|USDA|VA) 7 $1,985,000 $283,571 $5,882 6.82%
ROCKY MOUNT, NC (FHA|USDA|VA) 7 $1,915,000 $273,571 $5,921 6.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 6 $1,830,000 $305,000 $4,467 6.88%
Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $1,815,000 $605,000 $3,630 7.17%
FLORENCE, SC (FHA|USDA|VA) 7 $1,795,000 $256,429 $7,820 7.13%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 18 $1,730,000 $96,111 $3,270 8.38%
Albertville, AL (FHA|USDA|VA) 7 $1,715,000 $245,000 $9,045 7.75%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,685,000 $561,667 $6,003 6.96%
AUBURN-OPELIKA, AL (FHA|USDA|VA) 4 $1,580,000 $395,000 $4,324 7.12%
Sevierville, TN (FHA|USDA|VA) 5 $1,445,000 $289,000 $5,068 6.93%
MOBILE, AL (FHA|USDA|VA) 13 $1,415,000 $108,846 $3,576 7.61%
Toccoa, GA (FHA|USDA|VA) 6 $1,350,000 $225,000 $0 7.25%
Georgetown, SC (FHA|USDA|VA) 6 $1,330,000 $221,667 $4,336 7.39%
WINSTON-SALEM, NC (FHA|USDA|VA) 3 $1,325,000 $441,667 $6,303 6.59%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 9 $1,315,000 $146,111 $3,970 7.03%
Key West, FL (FHA|USDA|VA) 3 $1,195,000 $398,333 $8,366 7.38%
BATON ROUGE, LA (FHA|USDA|VA) 11 $1,155,000 $105,000 $4,483 8.68%
St. Marys, GA (FHA|USDA|VA) 6 $1,090,000 $181,667 $5,197 7.12%
MONTGOMERY, AL (FHA|USDA|VA) 6 $980,000 $163,333 $7,631 6.62%
DALTON, GA (FHA|USDA|VA) 4 $930,000 $232,500 $10,505 7.50%
Cullman, AL (FHA|USDA|VA) 5 $895,000 $179,000 $3,481 8.09%
Orangeburg, SC (FHA|USDA|VA) 3 $895,000 $298,333 $5,066 6.86%
THE VILLAGES, FL (FHA|USDA|VA) 2 $880,000 $440,000 $9,510 6.94%
MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) 9 $875,000 $97,222 $3,789 8.77%
JACKSON, MS (FHA|USDA|VA) 10 $870,000 $87,000 $0 9.64%
Lewisburg, TN (FHA|USDA|VA) 4 $860,000 $215,000 $5,336 7.09%
MACON-BIBB COUNTY, GA (FHA|USDA|VA) 5 $835,000 $167,000 $6,344 7.13%
Jasper, AL (FHA|USDA|VA) 10 $810,000 $81,000 $0 10.36%
JOHNSON CITY, TN (FHA|USDA|VA) 3 $765,000 $255,000 $4,249 7.00%
JACKSONVILLE, NC (FHA|USDA|VA) 2 $760,000 $380,000 $7,068 7.75%
HOT SPRINGS, AR (FHA|USDA|VA) 8 $740,000 $92,500 $0 9.43%
TEXARKANA, TX-AR (FHA|USDA|VA) 9 $735,000 $81,667 $0 8.61%
AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 4 $720,000 $180,000 $3,841 6.91%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 7 $685,000 $97,857 $0 8.83%
COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 8 $670,000 $83,750 $0 10.13%
Dayton, TN (FHA|USDA|VA) 2 $660,000 $330,000 $8,272 6.75%
MONROE, LA (FHA|USDA|VA) 7 $645,000 $92,143 $0 8.55%
NEW BERN, NC (FHA|USDA|VA) 1 $645,000 $645,000 $4,522 6.38%
LAFAYETTE, LA (FHA|USDA|VA) 8 $620,000 $77,500 $0 9.75%
Opelousas, LA (FHA|USDA|VA) 6 $610,000 $101,667 $4,632 8.11%
BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) 7 $605,000 $86,429 $0 9.74%
Tupelo, MS (FHA|USDA|VA) 8 $600,000 $75,000 $3,970 9.04%
COLUMBUS, GA-AL (FHA|USDA|VA) 4 $590,000 $147,500 $5,956 6.97%
LaGrange, GA-AL (FHA|USDA|VA) 5 $575,000 $115,000 $6,185 6.73%
WARNER ROBINS, GA (FHA|USDA|VA) 3 $545,000 $181,667 $5,532 7.17%
Brookhaven, MS (FHA|USDA|VA) 6 $520,000 $86,667 $0 9.56%
Sanford, NC (FHA|USDA|VA) 4 $510,000 $127,500 $2,607 7.25%
Shelby, NC (FHA|USDA|VA) 2 $500,000 $250,000 $3,376 7.31%
Newberry, SC (FHA|USDA|VA) 1 $495,000 $495,000 $4,492 6.50%
Durant, OK (FHA|USDA|VA) 5 $495,000 $99,000 $0 9.49%
MEMPHIS, TN-MS-AR (FHA|USDA|VA) 5 $495,000 $99,000 $5,154 8.10%
OCALA, FL (FHA|USDA|VA) 2 $490,000 $245,000 $12,272 6.44%
LONGVIEW, TX (FHA|USDA|VA) 5 $455,000 $91,000 $0 9.46%
SUMTER, SC (FHA|USDA|VA) 3 $455,000 $151,667 $4,133 6.92%
Waycross, GA (FHA|USDA|VA) 7 $445,000 $63,571 $0 7.11%
NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) 6 $440,000 $73,333 $0 9.29%
Newport, TN (FHA|USDA|VA) 2 $440,000 $220,000 $11,613 6.68%
GADSDEN, AL (FHA|USDA|VA) 1 $435,000 $435,000 $0 7.00%
Palatka, FL (FHA|USDA|VA) 2 $430,000 $215,000 $6,879 7.50%
AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 4 $410,000 $102,500 $0 8.91%
GAINESVILLE, FL (FHA|USDA|VA) 1 $405,000 $405,000 $0 7.50%
HAMMOND, LA (FHA|USDA|VA) 5 $405,000 $81,000 $0 8.81%
Laurel, MS (FHA|USDA|VA) 4 $390,000 $97,500 $0 8.38%
Corsicana, TX (FHA|USDA|VA) 3 $385,000 $128,333 $3,967 7.44%
GOLDSBORO, NC (FHA|USDA|VA) 3 $385,000 $128,333 $4,486 4.42%
JACKSON, TN (FHA|USDA|VA) 3 $375,000 $125,000 $2,850 4.25%
ALEXANDRIA, LA (FHA|USDA|VA) 3 $365,000 $121,667 $4,351 7.72%
Talladega-Sylacauga, AL (FHA|USDA|VA) 2 $360,000 $180,000 $0 8.00%
Malvern, AR (FHA|USDA|VA) 4 $360,000 $90,000 $0 7.55%
Lake City, FL (FHA|USDA|VA) 3 $355,000 $118,333 $4,226 7.50%
HINESVILLE, GA (FHA|USDA|VA) 3 $345,000 $115,000 $5,671 7.33%
Jesup, GA (FHA|USDA|VA) 2 $330,000 $165,000 $3,935 7.25%
Washington, NC (FHA|USDA|VA) 1 $315,000 $315,000 $0 5.75%
Russellville, AR (FHA|USDA|VA) 2 $300,000 $150,000 $0 7.87%
SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) 3 $295,000 $98,333 $4,375 10.20%
GREENVILLE, NC (FHA|USDA|VA) 2 $290,000 $145,000 $5,321 3.38%
DeRidder, LA (FHA|USDA|VA) 4 $290,000 $72,500 $0 8.83%
Mount Pleasant, TX (FHA|USDA|VA) 3 $275,000 $91,667 $0 9.92%
ODESSA, TX (FHA|USDA|VA) 3 $265,000 $88,333 $0 10.47%
Fort Payne, AL (FHA|USDA|VA) 1 $265,000 $265,000 $8,205 6.00%
Cookeville, TN (FHA|USDA|VA) 2 $260,000 $130,000 $5,244 5.88%
Natchez, MS-LA (FHA|USDA|VA) 2 $260,000 $130,000 $5,461 9.17%
Minden, LA (FHA|USDA|VA) 3 $255,000 $85,000 $3,705 7.99%
TYLER, TX (FHA|USDA|VA) 3 $255,000 $85,000 $0 8.97%
MIDLAND, TX (FHA|USDA|VA) 2 $250,000 $125,000 $6,544 8.81%
Meridian, MS (FHA|USDA|VA) 3 $245,000 $81,667 $2,844 9.31%
Henderson, NC (FHA|USDA|VA) 3 $245,000 $81,667 $4,696 7.25%
Ruston, LA (FHA|USDA|VA) 2 $230,000 $115,000 $0 8.03%
Vicksburg, MS (FHA|USDA|VA) 4 $230,000 $57,500 $0 10.00%
Laurinburg, NC (FHA|USDA|VA) 1 $225,000 $225,000 $9,696 6.00%
VALDOSTA, GA (FHA|USDA|VA) 1 $225,000 $225,000 $7,903 6.88%
KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $225,000 $225,000 $4,690 7.13%
HATTIESBURG, MS (FHA|USDA|VA) 3 $225,000 $75,000 $0 7.62%
Lawrenceburg, TN (FHA|USDA|VA) 2 $220,000 $110,000 $4,938 7.06%
BROWNSVILLE-HARLINGEN, TX (FHA|USDA|VA) 3 $215,000 $71,667 $0 8.96%
Starkville, MS (FHA|USDA|VA) 2 $210,000 $105,000 $0 8.33%
Crossville, TN (FHA|USDA|VA) 1 $205,000 $205,000 $4,298 6.50%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 2 $200,000 $100,000 $0 9.03%
Ardmore, OK (FHA|USDA|VA) 2 $200,000 $100,000 $0 9.24%
Martin, TN (FHA|USDA|VA) 1 $185,000 $185,000 $4,268 8.00%
Duncan, OK (FHA|USDA|VA) 1 $175,000 $175,000 $5,474 6.99%
HOUMA-THIBODAUX, LA (FHA|USDA|VA) 2 $170,000 $85,000 $4,694 8.72%
Statesboro, GA (FHA|USDA|VA) 2 $160,000 $80,000 $0 7.50%
Alexander City, AL (FHA|USDA|VA) 2 $160,000 $80,000 $0 7.19%
SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) 2 $160,000 $80,000 $0 8.22%
Fort Polk South, LA (FHA|USDA|VA) 2 $150,000 $75,000 $0 9.37%
Searcy, AR (FHA|USDA|VA) 1 $145,000 $145,000 $0 7.99%
Gainesville, TX (FHA|USDA|VA) 1 $145,000 $145,000 $0 9.04%
Milledgeville, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,903 7.25%
McComb, MS (FHA|USDA|VA) 1 $135,000 $135,000 $0 8.79%
KILLEEN-TEMPLE, TX (FHA|USDA|VA) 1 $135,000 $135,000 $4,794 7.19%
Shelbyville, TN (FHA|USDA|VA) 1 $125,000 $125,000 $0 7.99%
DOTHAN, AL (FHA|USDA|VA) 2 $120,000 $60,000 $0 8.10%
Elizabeth City, NC (FHA|USDA|VA) 1 $105,000 $105,000 $4,601 7.88%
Brenham, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 8.99%
Sulphur Springs, TX (FHA|USDA|VA) 1 $95,000 $95,000 $0 9.74%
PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $90,000 $45,000 $0 7.50%
SHERMAN-DENISON, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.49%
Rio Grande City-Roma, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 9.44%
Shawnee, OK (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.44%
Levelland, TX (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.24%
Clarksdale, MS (FHA|USDA|VA) 1 $85,000 $85,000 $0 7.14%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $85,000 $85,000 $0 8.24%
Oxford, MS (FHA|USDA|VA) 1 $75,000 $75,000 $0 11.79%
North Wilkesboro, NC (FHA|USDA|VA) 1 $75,000 $75,000 $0 6.75%
Cleveland, MS (FHA|USDA|VA) 1 $75,000 $75,000 $0 11.79%
Scottsboro, AL (FHA|USDA|VA) 1 $75,000 $75,000 $5,615 5.75%
Athens, TX (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.79%
Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $75,000 $75,000 $0 8.64%
LAREDO, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 11.99%
Arkadelphia, AR (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.99%
Greeneville, TN (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.94%
Jacksonville, TX (FHA|USDA|VA) 1 $65,000 $65,000 $0 9.19%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.69%
Greenville, MS (FHA|USDA|VA) 1 $65,000 $65,000 $0 8.79%
Thomasville, GA (FHA|USDA|VA) 1 $65,000 $65,000 $4,201 6.75%
Beeville, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 7.24%
West Point, MS (FHA|USDA|VA) 1 $55,000 $55,000 $0 8.79%
VICTORIA, TX (FHA|USDA|VA) 1 $55,000 $55,000 $0 11.34%
ANNISTON-OXFORD, AL (FHA|USDA|VA) 1 $45,000 $45,000 $0 7.00%
Vidalia, GA (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.50%
Union, SC (FHA|USDA|VA) 1 $35,000 $35,000 $0 7.25%
MORRISTOWN, TN (FHA|USDA|VA) 1 $25,000 $25,000 $0 7.25%
LAKE CHARLES, LA (FHA|USDA|VA) 1 $15,000 $15,000 $0 10.34%
United Community Bank's top markets include Atlanta, Raleigh, Charleston, Greenville, and Charlotte among others.

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

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,475 $1,056,855,000 $304,131 $4,622 7.29%
    HELOC 3,106 $472,050,000 $151,980 n/a 7.38%
    FHA 286 $76,540,000 $267,622 $10,234 6.38%
    VA 94 $37,580,000 $399,787 $9,227 6.05%
    USDA 30 $6,500,000 $216,667 $6,635 6.20%

    For 2023, United Community Bank's most frequently originated type of loan was Conventional, with 3,475 originations. Their 2nd most popular type was HELOC, with 3,106 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 2,982 $1,050,740,000 $352,361 $6,606 7.19%
    Home Improvement 1,586 $185,590,000 $117,018 $368 7.42%
    Refi 1,301 $245,125,000 $188,413 $1,976 7.26%
    Other 863 $100,075,000 $115,962 $233 7.42%
    Cash Out Refi 259 $67,995,000 $262,529 $5,800 6.95%

    For 2023, United Community Bank's most frequently cited loan purpose was Home Purchase, with 2,982 originations. The 2nd most popular reason was Home Improvement, with 1,586 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 3,638 $578,670,000 $159,063 $1,907 7.61%
    30 Year 2,063 $661,275,000 $320,540 $6,356 6.69%
    15 Year 583 $51,365,000 $88,105 $656 6.96%
    30+ year 413 $228,345,000 $552,893 $7,986 7.63%
    10 Year 126 $18,220,000 $144,603 $446 7.34%
    5 Year 108 $36,590,000 $338,796 $1,243 7.24%
    20 Year 39 $5,825,000 $149,359 $4,323 7.11%
    1 Year 16 $9,280,000 $580,000 $370 8.39%
    3 Year 5 $59,955,000 $11,991,000 $177 7.69%

    For 2023, United Community Bank's most frequently cited loan duration was Other, with 3,638 originations. The 2nd most popular length was 30 Year, with 2,063 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,223 $446,155,000 $364,804
    $<1k 764 $77,530,000 $101,479
    $2k-3k 415 $110,425,000 $266,084
    $5k+ 340 $170,430,000 $501,265
    $3k-4k 287 $83,765,000 $291,864
    $4k-5k 193 $68,475,000 $354,793

    United Community Bank's average total fees were $6,356, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,223 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    7-8% 3,062 $708,590,000 $231,414
    6-7% 2,394 $589,270,000 $246,145
    Over 8% 967 $191,095,000 $197,616
    5-6% 517 $153,165,000 $296,257
    <2.5% 37 $1,575,000 $42,568
    4-5% 8 $3,630,000 $453,750
    3-4% 3 $1,025,000 $341,667
    2.5-3% 3 $1,175,000 $391,667

    During 2023, United Community Bank's average interest rate for loans was 6.69%, while their most frequently originated rate bucket for loans was 7-8%, with 3,062 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,551 $144,465,000 $56,631 $767 7.59%
    $200k-400k 1,790 $504,620,000 $281,911 $6,388 6.95%
    $100k-200k 1,602 $218,580,000 $136,442 $4,380 7.25%
    $400k-600k 658 $312,850,000 $475,456 $7,554 7.04%
    $600k-1MM 283 $208,375,000 $736,307 $8,402 7.14%
    $1MM+ 107 $260,635,000 $2,435,841 $12,108 7.17%

    2023 saw United Community Bank place emphasis on $100,000 or less loans with 2,551 originations, totaling $144,465,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 1,482 $296,900,000 $200,337 $5,596 7.22%
    $150k-250k 1,206 $323,030,000 $267,852 $6,050 7.20%
    $50k-75k 1,200 $157,460,000 $131,217 $4,536 7.28%
    $75k-100k 1,070 $172,080,000 $160,822 $4,906 7.20%
    $250k+ 930 $434,960,000 $467,699 $7,698 7.21%
    $50k or less 801 $67,895,000 $84,763 $3,139 7.63%

    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 1,206 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,395 $253,895,000 $182,004 $4,287 7.31%
    30-36% 1,188 $256,930,000 $216,271 $4,984 7.28%
    <20% 812 $151,980,000 $187,167 $4,061 7.20%
    47% 346 $73,960,000 $213,757 $6,164 7.08%
    39% 316 $63,340,000 $200,443 $5,248 7.41%
    44% 295 $50,515,000 $171,237 $4,348 7.39%
    42% 291 $77,225,000 $265,378 $6,152 7.44%
    40% 283 $70,645,000 $249,629 $5,726 7.34%
    41% 250 $70,620,000 $282,480 $5,947 7.45%
    38% 246 $51,680,000 $210,081 $4,871 7.54%
    37% 238 $54,700,000 $229,832 $5,082 7.30%
    43% 224 $58,080,000 $259,286 $5,357 7.15%
    36% 207 $45,315,000 $218,913 $5,337 7.46%
    50-60% 168 $46,830,000 $278,750 $9,116 6.80%
    45% 143 $35,545,000 $248,566 $6,638 7.03%
    46% 133 $34,675,000 $260,714 $6,552 6.93%
    48% 121 $30,425,000 $251,446 $6,953 6.91%
    49% 89 $25,245,000 $283,652 $7,027 6.90%
    >60% 75 $24,885,000 $331,800 $3,847 6.88%

    United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 1,395 originations. The next most common DTI ratio? 30-36%, with 1,188 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 5,612 $1,191,540,000 $212,320 $5,115 7.26%
    Not applicable 138 $172,070,000 $1,246,884 $0 7.30%
    Not provided 588 $128,260,000 $218,129 $5,254 7.41%
    Black 498 $109,280,000 $219,438 $6,141 7.38%
    Asian 89 $28,515,000 $320,393 $6,633 6.88%
    American Indian 28 $7,150,000 $255,357 $6,906 7.31%
    Asian Indian 12 $5,410,000 $450,833 $5,827 6.86%
    Other Asian 9 $2,655,000 $295,000 $5,823 7.68%
    Native Hawaiian or Islander 8 $1,560,000 $195,000 $5,942 6.87%
    Filipino 3 $1,245,000 $415,000 $10,475 6.13%
    Japanese 1 $745,000 $745,000 $6,894 7.50%
    Vietnamese 1 $385,000 $385,000 $9,337 6.13%
    Chinese 1 $315,000 $315,000 $3,345 6.25%
    Other Pacific Islander 2 $270,000 $135,000 $6,811 7.38%
    Korean 1 $125,000 $125,000 $3,092 7.38%

    Approval Rates

    Total approvals of all applications
    63.06%

    United Community Bank has a low approval rate. They may have poor market targeting or stringent lending standards.

    Pick Rate

    Approvals leading to origination
    79.90%

    United Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    1005.01 1 $65,000 $65,000
    1005.06 1 $75,000 $75,000
    1005.79 1 $65,000 $65,000
    1006.75 1 $65,000 $65,000
    1008.4 1 $75,000 $75,000
    1008.93 1 $75,000 $75,000
    1010.76 1 $75,000 $75,000
    1012.49 1 $45,000 $45,000
    1020.0 1 $75,000 $75,000
    1022.98 1 $75,000 $75,000
    1027.58 1 $75,000 $75,000
    1031.89 1 $75,000 $75,000
    1033.14 1 $75,000 $75,000
    1034.73 1 $75,000 $75,000
    1035.62 1 $75,000 $75,000
    1036.97 1 $75,000 $75,000
    1039.82 1 $75,000 $75,000
    1044.67 1 $75,000 $75,000
    1049.01 1 $75,000 $75,000
    1052.5 1 $75,000 $75,000
    1052.85 1 $75,000 $75,000
    1053.22 1 $75,000 $75,000
    1053.49 1 $75,000 $75,000
    1054.0 1 $75,000 $75,000
    1055.29 1 $75,000 $75,000
    1055.75 1 $75,000 $75,000
    1055.78 1 $75,000 $75,000
    1056.06 1 $75,000 $75,000
    1059.6 1 $75,000 $75,000
    1060.25 1 $75,000 $75,000
    1062.79 1 $75,000 $75,000
    1063.23 1 $75,000 $75,000
    1067.5 1 $75,000 $75,000
    1070.02 1 $75,000 $75,000
    1072.6 1 $75,000 $75,000
    1079.38 1 $75,000 $75,000
    1080.19 1 $75,000 $75,000
    1081.56 1 $75,000 $75,000
    1082.5 1 $75,000 $75,000
    1084.17 1 $75,000 $75,000
    1085.68 1 $75,000 $75,000
    1085.95 1 $75,000 $75,000
    1086.22 1 $75,000 $75,000
    1094.9 1 $75,000 $75,000
    1099.48 1 $75,000 $75,000
    1101.21 1 $75,000 $75,000
    1102.67 1 $75,000 $75,000
    1103.67 1 $75,000 $75,000
    1106.76 1 $75,000 $75,000
    1107.31 1 $75,000 $75,000
    1107.45 1 $75,000 $75,000
    1109.91 1 $75,000 $75,000
    1109.99 1 $75,000 $75,000
    1111.32 1 $75,000 $75,000
    1115.84 1 $75,000 $75,000
    1116.66 1 $75,000 $75,000
    1118.56 1 $75,000 $75,000
    1123.29 1 $75,000 $75,000
    1126.2 1 $75,000 $75,000
    1128.59 1 $75,000 $75,000
    1129.77 1 $75,000 $75,000
    1132.67 1 $75,000 $75,000
    1132.96 1 $75,000 $75,000
    1135.61 1 $65,000 $65,000
    1136.43 1 $75,000 $75,000
    1139.04 1 $75,000 $75,000
    1142.47 1 $75,000 $75,000
    1144.0 1 $75,000 $75,000
    1144.88 1 $75,000 $75,000
    1147.11 1 $75,000 $75,000
    1153.32 1 $75,000 $75,000
    1154.82 1 $85,000 $85,000
    1155.32 1 $75,000 $75,000
    1157.51 1 $75,000 $75,000
    1159.48 1 $85,000 $85,000
    1159.88 1 $75,000 $75,000
    1161.37 1 $75,000 $75,000
    1161.59 1 $75,000 $75,000
    1161.71 1 $85,000 $85,000
    1162.0 1 $85,000 $85,000
    1168.53 1 $85,000 $85,000
    1168.99 1 $85,000 $85,000
    1169.76 1 $85,000 $85,000
    1171.59 1 $85,000 $85,000
    1172.71 1 $85,000 $85,000
    1177.39 1 $85,000 $85,000
    1179.92 1 $85,000 $85,000
    1180.0 1 $85,000 $85,000
    1182.04 1 $85,000 $85,000
    1185.76 1 $85,000 $85,000
    1185.85 1 $85,000 $85,000
    1187.5 1 $85,000 $85,000
    1189.35 1 $85,000 $85,000
    1191.48 1 $85,000 $85,000
    1193.85 1 $85,000 $85,000
    1194.16 1 $85,000 $85,000
    1194.56 1 $85,000 $85,000
    1195.0 1 $85,000 $85,000
    1196.67 1 $85,000 $85,000
    1199.17 1 $85,000 $85,000
    1202.81 1 $85,000 $85,000
    1203.07 1 $85,000 $85,000
    1203.98 1 $85,000 $85,000
    1205.43 1 $85,000 $85,000
    1205.81 1 $85,000 $85,000
    1216.33 1 $85,000 $85,000
    1217.75 1 $85,000 $85,000
    1217.79 1 $85,000 $85,000
    1219.53 2 $170,000 $85,000
    1220.67 1 $85,000 $85,000
    1220.82 1 $85,000 $85,000
    1222.3 1 $85,000 $85,000
    1227.03 1 $85,000 $85,000
    1227.64 1 $85,000 $85,000
    1231.6 1 $85,000 $85,000
    1232.16 1 $85,000 $85,000
    1233.1 1 $85,000 $85,000
    1233.77 1 $85,000 $85,000
    1237.0 1 $85,000 $85,000
    1237.82 1 $85,000 $85,000
    1238.22 1 $85,000 $85,000
    1238.54 1 $85,000 $85,000
    1241.42 1 $85,000 $85,000
    1243.38 1 $85,000 $85,000
    1246.0 1 $85,000 $85,000
    1246.53 1 $85,000 $85,000
    1246.98 1 $85,000 $85,000
    1249.75 1 $85,000 $85,000
    1253.06 1 $85,000 $85,000
    1253.81 1 $85,000 $85,000
    1256.1 1 $85,000 $85,000
    1256.7 1 $85,000 $85,000
    1259.37 1 $85,000 $85,000
    1259.5 1 $85,000 $85,000
    1259.94 1 $85,000 $85,000
    1264.09 1 $85,000 $85,000
    1264.27 1 $85,000 $85,000
    1266.45 1 $85,000 $85,000
    1267.58 1 $85,000 $85,000
    1269.68 1 $85,000 $85,000
    1271.23 1 $85,000 $85,000
    1273.2 1 $55,000 $55,000
    1273.64 1 $85,000 $85,000
    1275.46 1 $85,000 $85,000
    1277.08 1 $85,000 $85,000
    1277.65 1 $85,000 $85,000
    1286.04 1 $85,000 $85,000
    1287.19 1 $85,000 $85,000
    1288.81 1 $85,000 $85,000
    1291.17 1 $85,000 $85,000
    1294.81 1 $85,000 $85,000
    1297.11 1 $85,000 $85,000
    1298.5 1 $95,000 $95,000
    1300.0 1 $95,000 $95,000
    1300.01 1 $85,000 $85,000
    1300.4 1 $85,000 $85,000
    1302.35 1 $95,000 $95,000
    1303.06 1 $85,000 $85,000
    1312.87 1 $95,000 $95,000
    1314.13 1 $95,000 $95,000
    1322.46 1 $95,000 $95,000
    1324.0 1 $95,000 $95,000
    1325.45 1 $95,000 $95,000
    1327.83 1 $95,000 $95,000
    1329.38 1 $95,000 $95,000
    1331.33 1 $95,000 $95,000
    1334.42 1 $95,000 $95,000
    1337.5 1 $95,000 $95,000
    1339.53 1 $95,000 $95,000
    1340.16 1 $95,000 $95,000
    1341.07 1 $95,000 $95,000
    1345.71 1 $95,000 $95,000
    1346.97 1 $95,000 $95,000
    1347.25 1 $95,000 $95,000
    1351.79 1 $95,000 $95,000
    1355.84 1 $95,000 $95,000
    1356.52 1 $95,000 $95,000
    1357.0 1 $95,000 $95,000
    1357.28 1 $95,000 $95,000
    1358.71 1 $95,000 $95,000
    1359.3 1 $95,000 $95,000
    1359.98 1 $95,000 $95,000
    1362.01 1 $95,000 $95,000
    1363.85 1 $95,000 $95,000
    1364.59 1 $95,000 $95,000
    1367.45 1 $95,000 $95,000
    1367.59 1 $95,000 $95,000
    1369.0 1 $95,000 $95,000
    1370.59 1 $95,000 $95,000
    1377.08 1 $95,000 $95,000
    1377.78 1 $95,000 $95,000
    1377.86 1 $95,000 $95,000
    1379.22 1 $95,000 $95,000
    1379.72 1 $95,000 $95,000
    1381.6 1 $95,000 $95,000
    1384.28 1 $95,000 $95,000
    1386.3 1 $95,000 $95,000
    1397.84 1 $95,000 $95,000
    1402.36 1 $95,000 $95,000
    1404.48 1 $95,000 $95,000
    1408.99 1 $95,000 $95,000
    1425.12 1 $95,000 $95,000
    1426.85 1 $95,000 $95,000
    1430.5 1 $95,000 $95,000
    1431.44 1 $95,000 $95,000
    1436.58 1 $95,000 $95,000
    1439.52 1 $95,000 $95,000
    1440.73 1 $95,000 $95,000
    1441.13 1 $95,000 $95,000
    1443.16 1 $95,000 $95,000
    1445.91 1 $105,000 $105,000
    1454.32 1 $105,000 $105,000
    1462.95 1 $105,000 $105,000
    1464.22 1 $105,000 $105,000
    1470.17 1 $105,000 $105,000
    1470.4 1 $105,000 $105,000
    1471.68 1 $105,000 $105,000
    1474.0 1 $105,000 $105,000
    1475.72 1 $105,000 $105,000
    1487.12 1 $105,000 $105,000
    1488.47 1 $105,000 $105,000
    1489.08 1 $105,000 $105,000
    1489.2 1 $105,000 $105,000
    1495.05 1 $105,000 $105,000
    1503.58 1 $105,000 $105,000
    1504.9 1 $65,000 $65,000
    1519.48 1 $105,000 $105,000
    1536.34 1 $105,000 $105,000
    1536.54 1 $105,000 $105,000
    1543.12 1 $65,000 $65,000
    1549.0 1 $105,000 $105,000
    1550.96 1 $105,000 $105,000
    1551.65 1 $105,000 $105,000
    1552.3 1 $105,000 $105,000
    1553.24 1 $105,000 $105,000
    1558.53 1 $105,000 $105,000
    1561.27 1 $105,000 $105,000
    1571.88 1 $105,000 $105,000
    1572.89 1 $105,000 $105,000
    1572.9 1 $105,000 $105,000
    1575.43 1 $105,000 $105,000
    1580.98 1 $105,000 $105,000
    1597.97 1 $105,000 $105,000
    1600.57 1 $105,000 $105,000
    1601.54 1 $115,000 $115,000
    1607.23 1 $115,000 $115,000
    1612.38 1 $115,000 $115,000
    1613.4 1 $115,000 $115,000
    1616.2 1 $115,000 $115,000
    1625.95 1 $115,000 $115,000
    1629.07 1 $115,000 $115,000
    1633.06 1 $115,000 $115,000
    1639.86 1 $115,000 $115,000
    1644.18 1 $115,000 $115,000
    1647.36 1 $115,000 $115,000
    1648.45 1 $115,000 $115,000
    1654.0 1 $115,000 $115,000
    1655.98 1 $115,000 $115,000
    1656.55 1 $115,000 $115,000
    1657.0 1 $115,000 $115,000
    1669.0 1 $115,000 $115,000
    1670.5 1 $115,000 $115,000
    1678.35 1 $115,000 $115,000
    1690.67 1 $115,000 $115,000
    1691.92 1 $115,000 $115,000
    1711.24 1 $65,000 $65,000
    1716.45 1 $115,000 $115,000
    1726.62 1 $125,000 $125,000
    1734.87 1 $125,000 $125,000
    1741.75 1 $115,000 $115,000
    1747.97 1 $125,000 $125,000
    1753.73 1 $125,000 $125,000
    1757.52 1 $125,000 $125,000
    1761.93 1 $115,000 $115,000
    1813.62 1 $125,000 $125,000
    1818.98 1 $125,000 $125,000
    1819.37 1 $125,000 $125,000
    1821.78 1 $125,000 $125,000
    1841.87 1 $125,000 $125,000
    1845.51 1 $125,000 $125,000
    1850.2 1 $65,000 $65,000
    1852.06 1 $125,000 $125,000
    1859.54 1 $125,000 $125,000
    1869.42 1 $125,000 $125,000
    1872.4 1 $65,000 $65,000
    1873.12 1 $125,000 $125,000
    1873.23 1 $125,000 $125,000
    1874.85 1 $125,000 $125,000
    1903.31 1 $135,000 $135,000
    1911.4 1 $135,000 $135,000
    1923.82 1 $135,000 $135,000
    1924.59 1 $85,000 $85,000
    1937.04 1 $135,000 $135,000
    1937.91 1 $135,000 $135,000
    1946.07 1 $135,000 $135,000
    1965.49 1 $135,000 $135,000
    1970.5 1 $135,000 $135,000
    1991.35 1 $135,000 $135,000
    1996.34 1 $135,000 $135,000
    2013.06 1 $135,000 $135,000
    2062.53 1 $145,000 $145,000
    2069.97 1 $145,000 $145,000
    2100.68 1 $75,000 $75,000
    2102.04 1 $75,000 $75,000
    2111.28 1 $75,000 $75,000
    2112.32 1 $75,000 $75,000
    2117.92 1 $145,000 $145,000
    2124.63 1 $145,000 $145,000
    2153.12 1 $145,000 $145,000
    2157.06 1 $145,000 $145,000
    2166.12 1 $145,000 $145,000
    2189.44 1 $145,000 $145,000
    2193.68 1 $145,000 $145,000
    2203.38 1 $105,000 $105,000
    2225.92 1 $75,000 $75,000
    2234.95 1 $75,000 $75,000
    2239.91 1 $155,000 $155,000
    2340.04 1 $85,000 $85,000
    2389.38 1 $165,000 $165,000
    2396.73 1 $165,000 $165,000
    2431.0 1 $85,000 $85,000
    2434.0 1 $85,000 $85,000
    2438.47 1 $165,000 $165,000
    2442.38 1 $165,000 $165,000
    2446.0 1 $85,000 $85,000
    2483.17 1 $115,000 $115,000
    2494.93 1 $175,000 $175,000
    2497.76 1 $85,000 $85,000
    2498.5 1 $85,000 $85,000
    252.27 1 $15,000 $15,000
    2572.04 1 $85,000 $85,000
    2593.15 1 $175,000 $175,000
    2609.2 1 $175,000 $175,000
    2634.33 1 $175,000 $175,000
    2783.05 1 $95,000 $95,000
    2890.98 1 $75,000 $75,000
    2894.96 1 $105,000 $105,000
    2901.01 1 $105,000 $105,000
    2918.38 1 $105,000 $105,000
    2991.7 1 $105,000 $105,000
    3112.0 1 $105,000 $105,000
    3113.57 1 $105,000 $105,000
    3275.36 1 $15,000 $15,000
    3312.06 1 $115,000 $115,000
    336.51 1 $25,000 $25,000
    3369.8 1 $115,000 $115,000
    3384.8 1 $115,000 $115,000
    3434.36 1 $125,000 $125,000
    3525.24 1 $125,000 $125,000
    3625.98 1 $125,000 $125,000
    3741.86 1 $125,000 $125,000
    3775.64 1 $135,000 $135,000
    396.79 1 $25,000 $25,000
    4.0 32 $2,530,000 $79,063
    4197.1 1 $145,000 $145,000
    421.35 1 $25,000 $25,000
    4272.56 1 $145,000 $145,000
    4443.98 1 $155,000 $155,000
    4653.77 1 $195,000 $195,000
    4891.98 1 $175,000 $175,000
    494.9 1 $35,000 $35,000
    500.95 1 $35,000 $35,000
    511.17 1 $35,000 $35,000
    610.08 1 $45,000 $45,000
    647.15 1 $45,000 $45,000
    682.43 1 $45,000 $45,000
    682.75 1 $45,000 $45,000
    702.36 1 $45,000 $45,000
    704.66 1 $45,000 $45,000
    746.95 1 $55,000 $55,000
    749.43 1 $55,000 $55,000
    759.95 1 $55,000 $55,000
    773.79 1 $55,000 $55,000
    784.6 1 $55,000 $55,000
    793.26 1 $55,000 $55,000
    801.85 1 $55,000 $55,000
    801.91 1 $55,000 $55,000
    802.15 1 $55,000 $55,000
    802.53 1 $55,000 $55,000
    802.64 1 $55,000 $55,000
    803.76 1 $55,000 $55,000
    810.82 1 $55,000 $55,000
    824.2 1 $55,000 $55,000
    827.05 1 $55,000 $55,000
    830.67 1 $55,000 $55,000
    832.93 1 $55,000 $55,000
    833.13 1 $55,000 $55,000
    836.42 1 $55,000 $55,000
    838.15 1 $55,000 $55,000
    844.45 1 $55,000 $55,000
    854.06 1 $55,000 $55,000
    857.5 1 $55,000 $55,000
    859.98 1 $55,000 $55,000
    870.1 1 $65,000 $65,000
    870.76 1 $65,000 $65,000
    875.33 1 $65,000 $65,000
    875.73 1 $65,000 $65,000
    877.6 1 $65,000 $65,000
    881.61 1 $65,000 $65,000
    882.22 1 $65,000 $65,000
    882.88 1 $65,000 $65,000
    885.75 1 $65,000 $65,000
    890.94 1 $65,000 $65,000
    893.8 1 $65,000 $65,000
    896.53 1 $65,000 $65,000
    896.74 1 $65,000 $65,000
    898.48 1 $65,000 $65,000
    900.06 1 $65,000 $65,000
    901.47 1 $65,000 $65,000
    902.5 1 $65,000 $65,000
    908.44 1 $65,000 $65,000
    913.86 1 $65,000 $65,000
    917.29 1 $65,000 $65,000
    920.65 1 $65,000 $65,000
    922.0 1 $65,000 $65,000
    930.66 1 $65,000 $65,000
    935.05 1 $65,000 $65,000
    935.35 1 $65,000 $65,000
    935.56 1 $65,000 $65,000
    944.06 1 $65,000 $65,000
    944.8 1 $65,000 $65,000
    948.72 1 $65,000 $65,000
    949.11 1 $65,000 $65,000
    949.53 1 $65,000 $65,000
    950.05 1 $65,000 $65,000
    954.6 1 $65,000 $65,000
    954.95 1 $65,000 $65,000
    956.92 1 $65,000 $65,000
    959.74 1 $65,000 $65,000
    960.71 1 $65,000 $65,000
    965.82 1 $65,000 $65,000
    976.0 1 $65,000 $65,000
    978.52 1 $65,000 $65,000
    979.52 1 $65,000 $65,000
    981.75 1 $65,000 $65,000
    985.4 1 $65,000 $65,000
    987.49 1 $65,000 $65,000
    987.75 1 $65,000 $65,000
    987.97 1 $65,000 $65,000
    989.92 1 $65,000 $65,000
    991.23 1 $65,000 $65,000
    997.37 1 $65,000 $65,000
    NA 6,517 $1,607,565,000 $246,673

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    6,991 $1,649,525,000 $235,950

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,448 $236,850,000 $163,570 $2,706 7.31%
    40-60% 770 $360,640,000 $468,364 $5,760 7.16%
    60-80% 1,206 $438,120,000 $363,284 $6,744 7.44%
    80-100% 1,527 $449,245,000 $294,201 $6,670 7.13%
    Over 100% 30 $12,100,000 $403,333 $15,123 6.50%
    Under 20% 2,008 $152,520,000 $75,956 $354 7.31%