United Community Bank Mortgage Rates, Fees & Info
Blairsville, GALEI: T68X8LLAQYRNDV034K14
Tax ID: 58-0554454
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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.
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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
6,575Origination Dollar Volume (All Markets)
$1,611,935,000Awards
United Community Bank - 2024
United Community Bank is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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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% |
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Product Mix
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
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
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
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
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
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
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
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
Approval Rates
Total approvals of all applications75.93%
United Community Bank has a below average approval rate.
Pick Rate
Approvals leading to origination82.94%
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 |