United Community Bank Mortgage Rates, Fees & Info

Blairsville, GA

LEI: T68X8LLAQYRNDV034K14

Tax ID: 58-0554454

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

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  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

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    • Review & Overview

    United Community Bank is a small 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 by origination volume include: Atlanta, Charleston, Asheville, Greenville, and Knoxville among others. We have data for 101 markets. (Some data included below & more in-depth data is available with an active subscription.)

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

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

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

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

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/3/24
    30 Year Conventional Purchase 6.76% 12/3/24
    30 Year Conventional Refi 6.56% 12/3/24
    30 Year Cash-out Refi 6.79% 12/3/24
    30 Year FHA Purchase 7.19% 12/3/24
    30 Year FHA Refi 7.29% 12/3/24
    30 Year VA Purchase 6.17% 12/3/24
    30 Year USDA Purchase 6.74% 12/3/24
    15 Year Conventional Purchase 6.85% 12/3/24
    15 Year Conventional Refi 6.08% 12/3/24
    15 Year Cash-out Refi 6.08% 12/3/24
    15 Year FHA Purchase 5.68% 12/3/24
    15 Year VA Refi 5.68% 12/3/24
    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

    7,219

    Origination Dollar Volume (All Markets)

    $1,331,145,000

    Employee count

    2,306 Show all (8) awards

    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) 1,523 $279,065,000 $183,234 $4,374 3.94%
    Outside of Metro Areas 1,818 $262,790,000 $144,549 $3,764 3.89%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 168 $84,470,000 $502,798 $4,562 4.46%
    ASHEVILLE, NC (FHA|USDA|VA) 300 $68,720,000 $229,067 $4,204 4.08%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 440 $67,970,000 $154,477 $3,764 3.49%
    KNOXVILLE, TN (FHA|USDA|VA) 364 $63,030,000 $173,159 $3,822 3.79%
    RALEIGH-CARY, NC (FHA|USDA|VA) 243 $51,255,000 $210,926 $3,865 4.66%
    SAVANNAH, GA (FHA|USDA|VA) 160 $42,850,000 $267,813 $3,994 4.35%
    GAINESVILLE, GA (FHA|USDA|VA) 201 $40,005,000 $199,030 $4,255 3.90%
    BRUNSWICK, GA (FHA|USDA|VA) 130 $28,780,000 $221,385 $3,890 4.40%
    CLEVELAND, TN (FHA|USDA|VA) 212 $28,660,000 $135,189 $3,571 4.36%
    ROME, GA (FHA|USDA|VA) 175 $24,185,000 $138,200 $3,731 4.15%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 112 $24,150,000 $215,625 $3,388 4.21%
    SPARTANBURG, SC (FHA|USDA|VA) 175 $23,805,000 $136,029 $3,690 3.83%
    Brevard, NC (FHA|USDA|VA) 112 $20,990,000 $187,411 $4,509 3.82%
    Cornelia, GA (FHA|USDA|VA) 136 $19,180,000 $141,029 $3,587 3.94%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 61 $18,875,000 $309,426 $5,673 3.77%
    Cullowhee, NC (FHA|USDA|VA) 108 $18,300,000 $169,444 $4,494 3.73%
    COLUMBIA, SC (FHA|USDA|VA) 64 $16,740,000 $261,563 $6,502 4.53%
    Jefferson, GA (FHA|USDA|VA) 65 $9,685,000 $149,000 $4,098 3.74%
    Summerville, GA (FHA|USDA|VA) 96 $9,270,000 $96,563 $3,125 3.82%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 51 $7,425,000 $145,588 $3,729 4.24%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 29 $7,295,000 $251,552 $5,403 4.18%
    Boone, NC (FHA|USDA|VA) 27 $6,775,000 $250,926 $4,277 4.16%
    Greenwood, SC (FHA|USDA|VA) 58 $6,770,000 $116,724 $4,088 3.75%
    Seneca, SC (FHA|USDA|VA) 24 $6,200,000 $258,333 $5,491 4.17%
    Statesboro, GA (FHA|USDA|VA) 3 $6,115,000 $2,038,333 $7,415 4.86%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 6 $5,700,000 $950,000 $7,006 4.54%
    FAYETTEVILLE, NC (FHA|USDA|VA) 29 $5,275,000 $181,897 $4,723 4.80%
    MORRISTOWN, TN (FHA|USDA|VA) 4 $4,500,000 $1,125,000 $0 4.29%
    GREENVILLE, NC (FHA|USDA|VA) 1 $4,305,000 $4,305,000 $0 3.15%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 6 $3,940,000 $656,667 $2,997 4.97%
    Georgetown, SC (FHA|USDA|VA) 8 $3,440,000 $430,000 $4,556 4.31%
    Calhoun, GA (FHA|USDA|VA) 23 $3,405,000 $148,043 $3,497 4.26%
    Newberry, SC (FHA|USDA|VA) 12 $3,310,000 $275,833 $7,795 4.20%
    Gaffney, SC (FHA|USDA|VA) 22 $3,220,000 $146,364 $3,672 4.19%
    Toccoa, GA (FHA|USDA|VA) 16 $3,150,000 $196,875 $3,202 4.47%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 17 $2,835,000 $166,765 $3,883 4.18%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $2,685,000 $895,000 $5,207 4.92%
    Cedartown, GA (FHA|USDA|VA) 14 $2,290,000 $163,571 $4,711 4.42%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 9 $2,205,000 $245,000 $5,203 4.18%
    Forest City, NC (FHA|USDA|VA) 9 $2,085,000 $231,667 $4,852 4.14%
    JACKSONVILLE, FL (FHA|USDA|VA) 5 $2,055,000 $411,000 $4,664 4.45%
    Morehead City, NC (FHA|USDA|VA) 7 $1,835,000 $262,143 $3,806 4.22%
    St. Marys, GA (FHA|USDA|VA) 9 $1,795,000 $199,444 $5,576 4.19%
    WILMINGTON, NC (FHA|USDA|VA) 6 $1,760,000 $293,333 $2,529 4.77%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 8 $1,670,000 $208,750 $5,311 4.40%
    Marion, NC (FHA|USDA|VA) 4 $1,630,000 $407,500 $6,256 4.28%
    FLORENCE, SC (FHA|USDA|VA) 8 $1,560,000 $195,000 $5,018 4.23%
    Athens, TN (FHA|USDA|VA) 12 $1,560,000 $130,000 $3,333 3.91%
    Orangeburg, SC (FHA|USDA|VA) 4 $1,470,000 $367,500 $8,620 3.53%
    Waycross, GA (FHA|USDA|VA) 15 $1,305,000 $87,000 $3,193 3.70%
    Sevierville, TN (FHA|USDA|VA) 8 $1,270,000 $158,750 $3,989 4.75%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 5 $1,245,000 $249,000 $4,917 4.53%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,180,000 $196,667 $6,076 4.17%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 4 $990,000 $247,500 $5,708 4.26%
    LaGrange, GA-AL (FHA|USDA|VA) 7 $915,000 $130,714 $4,233 4.40%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 1 $885,000 $885,000 $5,232 4.50%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $820,000 $205,000 $3,537 4.75%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 4 $810,000 $202,500 $4,025 4.50%
    BURLINGTON, NC (FHA|USDA|VA) 3 $785,000 $261,667 $3,724 4.83%
    MOBILE, AL (FHA|USDA|VA) 1 $505,000 $505,000 $0 5.50%
    SUMTER, SC (FHA|USDA|VA) 2 $500,000 $250,000 $3,239 4.94%
    Alexander City, AL (FHA|USDA|VA) 2 $500,000 $250,000 $3,434 3.77%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $490,000 $245,000 $2,469 3.83%
    DALTON, GA (FHA|USDA|VA) 3 $485,000 $161,667 $3,560 3.85%
    Cookeville, TN (FHA|USDA|VA) 2 $480,000 $240,000 $6,070 4.88%
    Jesup, GA (FHA|USDA|VA) 3 $465,000 $155,000 $4,256 5.27%
    ROCKY MOUNT, NC (FHA|USDA|VA) 2 $380,000 $190,000 $4,142 3.06%
    JOHNSON CITY, TN (FHA|USDA|VA) 4 $370,000 $92,500 $4,330 3.65%
    Milledgeville, GA (FHA|USDA|VA) 1 $355,000 $355,000 $3,996 4.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $355,000 $355,000 $0 4.25%
    Sanford, NC (FHA|USDA|VA) 2 $350,000 $175,000 $4,461 5.19%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $350,000 $175,000 $3,501 5.00%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $295,000 $295,000 $3,279 4.38%
    Wilson, NC (FHA|USDA|VA) 4 $280,000 $70,000 $0 5.78%
    Crossville, TN (FHA|USDA|VA) 3 $265,000 $88,333 $3,002 4.06%
    Scottsboro, AL (FHA|USDA|VA) 1 $255,000 $255,000 $4,056 4.13%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $235,000 $235,000 $8,787 4.13%
    Fort Payne, AL (FHA|USDA|VA) 2 $220,000 $110,000 $2,652 4.88%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,993 5.13%
    OCALA, FL (FHA|USDA|VA) 1 $205,000 $205,000 $4,318 4.25%
    PUNTA GORDA, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,480 5.13%
    MONTGOMERY, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,459 4.25%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $175,000 $175,000 $3,489 4.75%
    COLUMBUS, GA-AL (FHA|USDA|VA) 1 $165,000 $165,000 $5,542 4.63%
    Americus, GA (FHA|USDA|VA) 1 $165,000 $165,000 $3,596 4.25%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 3 $165,000 $55,000 $2,631 4.26%
    Vidalia, GA (FHA|USDA|VA) 2 $150,000 $75,000 $2,578 3.90%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,646 4.38%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $145,000 $145,000 $0 5.50%
    GOLDSBORO, NC (FHA|USDA|VA) 1 $145,000 $145,000 $2,711 3.75%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $135,000 $135,000 $2,070 4.88%
    HINESVILLE, GA (FHA|USDA|VA) 2 $130,000 $65,000 $2,965 3.46%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $125,000 $125,000 $0 6.50%
    Dayton, TN (FHA|USDA|VA) 1 $85,000 $85,000 $4,672 4.88%
    Newport, TN (FHA|USDA|VA) 1 $65,000 $65,000 $0 2.79%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $65,000 $65,000 $2,348 4.38%
    Union, SC (FHA|USDA|VA) 2 $60,000 $30,000 $2,296 3.75%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $55,000 $55,000 $3,362 3.88%
    VALDOSTA, GA (FHA|USDA|VA) 1 $25,000 $25,000 $0 2.25%
    United Community Bank's top markets include Atlanta, Charleston, Asheville, Greenville, and Knoxville among others.

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

    • Similar Lenders

    We use machine learning to identify the top lenders compared against United Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    The Citizens Bank
    Similarity Rank: 44
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    Similarity Rank: 285
    SOUTH CAROLINA FEDERAL CREDIT UNION
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    We Florida Financial
    Similarity Rank: 312
    Home Federal Bank of Tennessee
    Similarity Rank: 376
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    POWER FINANCIAL
    Similarity Rank: 432
    Suncoast Credit Union
    Similarity Rank: 493

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 3,976 $964,470,000 $242,573 $3,853 4.86%
    HELOC 2,808 $284,090,000 $101,172 n/a 2.66%
    FHA 250 $42,730,000 $170,920 $6,150 4.65%
    USDA 97 $14,675,000 $151,289 $4,417 4.61%
    VA 88 $25,180,000 $286,136 $6,755 4.48%

    For 2018, United Community Bank's most frequently originated type of loan was Conventional, with 3,976 originations. Their 2nd most popular type was HELOC, with 2,808 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,153 $782,515,000 $248,181 $4,391 4.59%
    Refi 1,963 $344,785,000 $175,642 $3,269 4.02%
    Other 952 $74,650,000 $78,414 $2,303 2.70%
    Home Improvement 789 $56,755,000 $71,933 $3,633 2.74%
    Cash Out Refi 362 $72,440,000 $200,110 $3,622 4.74%

    For 2018, United Community Bank's most frequently cited loan purpose was Home Purchase, with 3,153 originations. The 2nd most popular reason was Refi, with 1,963 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,185 $755,825,000 $237,308 $4,189 4.79%
    Other 2,975 $333,245,000 $112,015 $991 2.82%
    15 Year 399 $58,645,000 $146,980 $2,972 4.46%
    30+ year 232 $76,880,000 $331,379 $6,250 4.64%
    5 Year 191 $42,605,000 $223,063 $1,109 5.77%
    20 Year 104 $16,600,000 $159,615 $2,846 4.68%
    10 Year 60 $11,380,000 $189,667 $1,668 5.07%
    1 Year 59 $14,025,000 $237,712 $4,165 5.74%
    3 Year 14 $21,940,000 $1,567,143 $499 5.26%

    For 2018, United Community Bank's most frequently cited loan duration was 30 Year, with 3,185 originations. The 2nd most popular length was Other, with 2,975 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 1,920 $384,330,000 $200,172
    $1k-2k 1,396 $327,070,000 $234,291
    $2k-3k 346 $85,610,000 $247,428
    $3k-4k 147 $39,835,000 $270,986
    $5k+ 102 $46,670,000 $457,549
    $4k-5k 98 $34,180,000 $348,776

    United Community Bank's average total fees were $4,189, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 1,920 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 2,883 $715,525,000 $248,188
    2.5-3% 1,600 $160,970,000 $100,606
    <2.5% 1,149 $112,435,000 $97,855
    5-6% 1,082 $226,790,000 $209,603
    3-4% 297 $90,435,000 $304,495
    6-7% 177 $24,135,000 $136,356
    7-8% 10 $580,000 $58,000
    Over 8% 2 $50,000 $25,000

    During 2018, United Community Bank's average interest rate for loans was 4.79%, while their most frequently originated rate bucket for loans was 4-5%, with 2,883 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,651 $136,045,000 $51,318 $2,309 3.44%
    $100k-200k 2,207 $318,595,000 $144,357 $3,619 4.20%
    $200k-400k 1,820 $496,280,000 $272,681 $4,689 4.41%
    $400k-600k 365 $171,935,000 $471,055 $5,801 4.38%
    $600k-1MM 124 $92,730,000 $747,823 $7,002 4.44%
    $1MM+ 52 $115,560,000 $2,222,308 $8,130 4.63%

    2018 saw United Community Bank place emphasis on $100,000 or less loans with 2,651 originations, totaling $136,045,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,596 $214,750,000 $134,555 $3,749 3.99%
    $50k or less 1,564 $143,840,000 $91,969 $3,168 4.01%
    $100k-150k 1,260 $247,350,000 $196,310 $4,483 3.94%
    $75k-100k 1,157 $191,725,000 $165,709 $4,198 3.90%
    $150k-250k 839 $213,985,000 $255,048 $5,018 3.90%
    $250k+ 477 $197,755,000 $414,581 $5,368 3.83%

    United Community Bank lent most frequently to those with incomes in the $50k-75k range, with 1,596 originations. The second most popular income band? $50k or less, with 1,564 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,703 $274,385,000 $161,119 $3,931 3.78%
    30-36% 1,307 $237,295,000 $181,557 $4,043 4.02%
    <20% 950 $122,900,000 $129,368 $3,220 3.37%
    39% 414 $70,480,000 $170,242 $4,763 3.63%
    37% 279 $55,355,000 $198,405 $4,551 4.00%
    38% 262 $49,970,000 $190,725 $4,441 3.85%
    36% 250 $49,350,000 $197,400 $4,442 3.93%
    40% 240 $53,320,000 $222,167 $4,508 4.31%
    41% 240 $51,830,000 $215,958 $4,125 4.38%
    42% 228 $51,450,000 $225,658 $4,397 4.42%
    44% 217 $40,955,000 $188,733 $3,958 3.83%
    43% 165 $33,895,000 $205,424 $4,201 4.21%
    >60% 126 $20,100,000 $159,524 $1,407 4.11%
    50-60% 124 $22,720,000 $183,226 $5,080 4.32%
    45% 84 $15,650,000 $186,310 $4,346 4.59%
    47% 80 $18,620,000 $232,750 $4,381 4.54%
    48% 78 $19,300,000 $247,436 $3,989 4.55%
    49% 69 $13,255,000 $192,101 $3,614 4.50%
    46% 66 $14,260,000 $216,061 $4,043 4.24%

    United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 1,703 originations. The next most common DTI ratio? 30-36%, with 1,307 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,018 $1,050,170,000 $174,505 $4,063 3.98%
    Not provided 739 $121,725,000 $164,716 $3,986 3.50%
    Not applicable 212 $108,500,000 $511,792 $0 5.59%
    Black 151 $26,925,000 $178,311 $4,521 4.58%
    Asian 70 $18,180,000 $259,714 $4,348 3.92%
    Asian Indian 7 $2,115,000 $302,143 $4,953 3.86%
    American Indian 15 $2,045,000 $136,333 $2,584 3.75%
    Native Hawaiian or Islander 2 $600,000 $300,000 $9,323 4.00%
    Other Asian 3 $575,000 $191,667 $1,897 3.04%
    Other Pacific Islander 2 $310,000 $155,000 $4,459 4.81%

    Approval Rates

    Total approvals of all applications
    79.47%

    United Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    81.01%

    United Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 1 $15,000 $15,000
    NA 7,218 $1,331,130,000 $184,418

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 6 $1,460,000 $243,333
    Multifamily:Site-Built 44 $65,740,000 $1,494,091
    Single Family (1-4 Units):Manufactured 58 $3,080,000 $53,103
    Single Family (1-4 Units):Site-Built 7,111 $1,260,865,000 $177,312

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,184 $117,730,000 $99,434 $2,542 3.28%
    40-60% 1,014 $203,950,000 $201,134 $3,372 3.95%
    60-80% 1,821 $469,255,000 $257,691 $4,127 4.38%
    80-100% 1,942 $463,980,000 $238,919 $4,539 4.71%
    Over 100% 34 $10,840,000 $318,824 $7,661 4.78%
    Under 20% 1,211 $63,725,000 $52,622 $940 2.91%

    Complaints

    Bank Name Product Issue 2018 CPFB Complaints % of Total Issues
    UNITED COMMUNITY BANK Other type of mortgage Trouble during payment process 1 25.0%
    UNITED COMMUNITY BANK Conventional home mortgage Trouble during payment process 1 25.0%
    UNITED COMMUNITY BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 25.0%
    UNITED COMMUNITY BANK Other type of mortgage Struggling to pay mortgage 1 25.0%

    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 $46,826
    United Community Bank 100 West Greenwood St Abbeville, SC 29620 Full Service B&M $24,025
    United Community Bank 1000 Georgia Hwy138 Se Conyers, GA 30013 Full Service B&M $116,774
    United Community Bank 1001 Polk Street Marietta, GA 30064 Full Service B&M $94,947
    United Community Bank 101 West Carolina Avenue Clinton, SC 29325 Full Service B&M $23,669
    United Community Bank 101 West Main Street Laurens, SC 29360 Full Service B&M $110,195
    United Community Bank 101 West Saint John Street Spartanburg, SC 29306 Full Service B&M $40,502
    United Community Bank 1010 Plant Avenue Waycross, GA 31501 Full Service B&M $28,771
    United Community Bank 1015 Buford Highway Cumming, GA 30041 Full Service B&M $53,565
    United Community Bank 102 East Main Street Clayton, NC 27520 Full Service B&M $71,411
    United Community Bank 10514 Kingston Pike Knoxville, TN 37922 Full Service B&M $55,395
    United Community Bank 106 West College Street Simpsonville, SC 29681 Full Service B&M $63,226
    United Community Bank 108 East Main Street Duncan, SC 29334 Full Service B&M $34,976
    United Community Bank 1087 Hunters Crossing Alcoa, TN 37701 Full Service B&M $32,692
    United Community Bank 109 Highway 53 West Dawsonville, GA 30534 Full Service B&M $116,139
    United Community Bank 109 Scranton Connector Brunswick, GA 31521 Full Service B&M $95,455
    United Community Bank 115 Four Oaks Place Dunn, NC 28334 Full Service B&M $17,544
    United Community Bank 11500 Asheville Highway Inman, SC 29349 Full Service B&M $42,042
    United Community Bank 116 Peachtree Street Murphy, NC 28906 Full Service B&M $124,663
    United Community Bank 118 Whitfield Drive Jasper, GA 30143 Full Service B&M $53,696
    United Community Bank 119 Maple Street Carrollton, GA 30117 Full Service B&M $169,126
    United Community Bank 11915 Plaza Drive Murrells Inlet, SC 29576 Full Service B&M $36,001
    United Community Bank 1220 Richard Sailors Parkway Powder Springs, GA 30127 Full Service B&M $79,532
    United Community Bank 128 North Second Street Smithfield, NC 27577 Full Service B&M $73,044
    United Community Bank 1300 2nd Avenue Conway, SC 29526 Full Service B&M $11,588
    United Community Bank 1312 Professional Drive Myrtle Beach, SC 29577 Full Service B&M $36,759
    United Community Bank 132 Rodney Orr Bypass Robbinsville, NC 28771 Full Service B&M $75,626
    United Community Bank 1320 Joe Frank Harris Parkway Cartersville, GA 30120 Full Service B&M $31,550
    United Community Bank 1400 Augusta Street Greenville, SC 29605 Full Service B&M $100,156
    United Community Bank 14031 Highway 27 Trion, GA 30753 Full Service B&M $24,981
    United Community Bank 1408 Garner Station Boulevard Raleigh, NC 27603 Full Service B&M $18,266
    United Community Bank 145 Slope Street Bryson City, NC 28713 Full Service B&M $80,677
    United Community Bank 1472 441 By-Pass Cornelia, GA 30531 Full Service B&M $115,689
    United Community Bank 149 Brackett's Way Blairsville, GA 30512 Full Service B&M $25,074
    United Community Bank 15 Cedartown Street Cave Spring, GA 30124 Full Service B&M $30,923
    United Community Bank 1500 Commerce Drive Peachtree City, GA 30269 Full Service B&M $48,765
    United Community Bank 1510 Old Trolley Road Summerville, SC 29485 Full Service B&M $39,588
    United Community Bank 1524 East Main Street Easley, SC 29640 Full Service B&M $22,521
    United Community Bank 1528 North Hwy 74 Tyrone, GA 30290 Full Service B&M $49,930
    United Community Bank 153 East Kytle Street Cleveland, GA 30528 Full Service B&M $166,537
    United Community Bank 1544 East Main Street Spartanburg, SC 29307 Full Service B&M $28,572
    United Community Bank 160 West Main Street Brevard, NC 28712 Full Service B&M $52,244
    United Community Bank 1627-A Church Street Conway, SC 29526 Full Service B&M $29,667
    United Community Bank 1640 East Main Street Sylva, NC 28779 Full Service B&M $56,892
    United Community Bank 165 North Main Street Waynesville, NC 28786 Full Service B&M $77,358
    United Community Bank 1701 North Oak Street Myrtle Beach, SC 29577 Full Service B&M $42,862
    United Community Bank 177 Highway 515 East Blairsville, GA 30512 Full Service B&M $915,201
    United Community Bank 182 Blue Ridge Drive Mccaysville, GA 30555 Full Service B&M $72,562
    United Community Bank 20 Frank Allen Road Cashiers, NC 28717 Full Service B&M $53,354
    United Community Bank 200 Cherokee Street Marietta, GA 30090 Full Service B&M $121,718
    United Community Bank 200 East Church Street Benson, NC 27504 Full Service B&M $33,045
    United Community Bank 200 Glen Road Garner, NC 27529 Full Service B&M $35,318
    United Community Bank 200 Linville Street Newland, NC 28657 Full Service B&M $39,416
    United Community Bank 2001 Commercial Drive, South Brunswick, GA 31525 Full Service B&M $50,465
    United Community Bank 201 West Center Street Holly Springs, NC 27540 Full Service B&M $25,126
    United Community Bank 2055 Homer Road Commerce, GA 30529 Full Service B&M $65,546
    United Community Bank 206 Morrison Moore Parkway Dahlonega, GA 30533 Full Service B&M $125,910
    United Community Bank 207 North Cambridge Ninety Six, SC 29666 Full Service B&M $32,492
    United Community Bank 2101 Woodruff Road Greenville, SC 29607 Full Service B&M $30,281
    United Community Bank 214 North Main Street Hiawassee, GA 30546 Full Service B&M $161,809
    United Community Bank 2157 Sandridge Court Gainesville, GA 30501 Full Service B&M $34,069
    United Community Bank 2160 W Spring St Monroe, GA 30655 Full Service B&M $17,836
    United Community Bank 2168 Scenic Highway Snellville, GA 30078 Full Service B&M $60,539
    United Community Bank 2215 Riverstone Boulevard Canton, GA 30114 Full Service B&M $100,865
    United Community Bank 2225 East Victory Drive Savannah, GA 31404 Full Service B&M $31,758
    United Community Bank 223 North 3rd Street Kingston, TN 37763 Full Service B&M $42,039
    United Community Bank 2230 Riverside Parkway Lawrenceville, GA 30043 Full Service B&M $258,229
    United Community Bank 2245 East Highway 34 Newnan, GA 30265 Full Service B&M $21,115
    United Community Bank 2461 Demere Road St. Simons Island, GA 31522 Full Service B&M $69,810
    United Community Bank 2520 Chimney Rock Road Hendersonville, NC 28792 Full Service B&M $52,269
    United Community Bank 2525 Keith St Nw Cleveland, TN 37312 Full Service B&M $38,382
    United Community Bank 257 East Main Street Franklin, NC 28734 Full Service B&M $58,754
    United Community Bank 257 Medical Park Drive Lenoir City, TN 37771 Full Service B&M $220,317
    United Community Bank 27 Bull Street Savannah, GA 31401 Full Service B&M $84,485
    United Community Bank 2760 Martha Berry Highway Rome, GA 30165 Full Service B&M $29,209
    United Community Bank 290 Village Square Loudon, TN 37774 Full Service B&M $71,862
    United Community Bank 291 East Us Highway 19e Burnsville, NC 28714 Full Service B&M $52,144
    United Community Bank 300 North Weston Street Fountain Inn, SC 29644 Full Service B&M $47,201
    United Community Bank 306 East North Street Greenville, SC 29601 Full Service B&M $93,291
    United Community Bank 307 East 2nd Avenue Rome, GA 30162 Full Service B&M $196,278
    United Community Bank 311 South Limestone Street Gaffney, SC 29340 Full Service B&M $51,689
    United Community Bank 3187 Highway 9 East Little River, SC 29566 Full Service B&M $25,445
    United Community Bank 3210 Highway 701 North Byp Loris, SC 29569 Full Service B&M $24,414
    United Community Bank 325 N Judd Parkway, N.E. Fuquay Varina, NC 27526 Full Service B&M $63,275
    United Community Bank 3273 U.S. Highway 441 North Whittier, NC 28789 Full Service B&M $38,653
    United Community Bank 3310 Henderson Mill Road Atlanta, GA 30341 Full Service B&M $62,794
    United Community Bank 351 Jesse Jewell Pkwy Gainesville, GA 30501 Full Service B&M $214,840
    United Community Bank 3640 Ralph Ellis Blvd Loris, SC 29569 Full Service Cyber Office $2,692
    United Community Bank 3781 Sixes Road Canton, GA 30114 Full Service B&M $41,210
    United Community Bank 3785 Mundy Mill Road Oakwood, GA 30566 Full Service B&M $99,172
    United Community Bank 3995 Sc Highway 9 Boiling Springs, SC 29316 Full Service B&M $33,144
    United Community Bank 4000 Appalachian Highway Blue Ridge, GA 30513 Full Service B&M $247,212
    United Community Bank 401 West Butler Road Mauldin, SC 29662 Full Service B&M $33,191
    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 $55,291
    United Community Bank 4356 South Lee Street Buford, GA 30518 Full Service B&M $76,603
    United Community Bank 4365 Browns Bridge Road Cumming, GA 30041 Full Service B&M $194,277
    United Community Bank 4425 North Ocoee Street Cleveland, TN 37312 Full Service B&M $27,287
    United Community Bank 4519 Highway 411 Madisonville, TN 37354 Full Service B&M $17,173
    United Community Bank 468 West Louise Street Clarkesville, GA 30523 Full Service B&M $92,683
    United Community Bank 470 Haywood Road Greenville, SC 29607 Full Service B&M $41,336
    United Community Bank 485 W. Bankhead Highway Villa Rica, GA 30180 Full Service B&M $21,548
    United Community Bank 4970 Bill Gardner Parkway Locust Grove, GA 30248 Full Service B&M $34,412
    United Community Bank 50 United Bank Drive Etowah, NC 28729 Full Service B&M $48,934
    United Community Bank 5009 Broad Street Loris, SC 29569 Full Service B&M $47,777
    United Community Bank 501 Church Street Laurens, SC 29360 Full Service B&M $61,316
    United Community Bank 5100 Dallas Highway Powder Springs, GA 30127 Full Service B&M $79,132
    United Community Bank 5125 Atlanta Highway Alpharetta, GA 30004 Full Service B&M $37,485
    United Community Bank 516 Hwy 441 S Clayton, GA 30525 Full Service B&M $81,717
    United Community Bank 5172 Cleveland Hwy Gainesville, GA 30506 Full Service B&M $39,876
    United Community Bank 52 Burnt Church Road Bluffton, SC 29910 Full Service B&M $40,866
    United Community Bank 525 North Jeff Davis Drive Fayetteville, GA 30214 Full Service B&M $100,983
    United Community Bank 5264 Highway 9 Green Sea, SC 29545 Full Service B&M $12,622
    United Community Bank 54 N Mitchell Ave Bakersville, NC 28705 Full Service B&M $41,746
    United Community Bank 5504 Thompson Bridge Road Murrayville, GA 30564 Full Service B&M $33,582
    United Community Bank 558 Industrial Boulevard Ellijay, GA 30540 Full Service B&M $183,273
    United Community Bank 5679 Appalachian Highway Blue Ridge, GA 30513 Full Service B&M $7,277
    United Community Bank 570 Roe Center Court Travelers Rest, SC 29690 Full Service B&M $20,828
    United Community Bank 6144 Us Highway 301 South Four Oaks, NC 27524 Full Service B&M $103,612
    United Community Bank 617 Hwy. 17 South North Myrtle Beach, SC 29582 Full Service B&M $32,715
    United Community Bank 6372 Highway 53 East Dawsonville, GA 30534 Full Service B&M $87,297
    United Community Bank 65 Washington Street Fairburn, GA 30213 Full Service B&M $155,966
    United Community Bank 6600 Mcginnis Ferry Road Duluth, GA 30097 Full Service B&M $110,267
    United Community Bank 6670 Church Street Douglasville, GA 30134 Full Service B&M $25,822
    United Community Bank 701 Montague Avenue Greenwood, SC 29649 Full Service B&M $69,144
    United Community Bank 71 Bullsboro Newnan, GA 30265 Full Service B&M $26,748
    United Community Bank 732 Main Street Andrews, NC 28901 Full Service B&M $50,098
    United Community Bank 7400 Adairsville Hwy Adairsville, GA 30103 Full Service B&M $70,795
    United Community Bank 800 Summit Avenue Spruce Pine, NC 28777 Full Service B&M $41,982
    United Community Bank 8036 Valley Blvd Blowing Rock, NC 28605 Full Service B&M $20,735
    United Community Bank 805 North Arendell Avenue Zebulon, NC 27597 Full Service B&M $57,492
    United Community Bank 809 West Wade Hampton Boulevard Greer, SC 29650 Full Service B&M $29,650
    United Community Bank 815 North Main Street Anderson, SC 29621 Full Service B&M $72,553
    United Community Bank 817 Mulberry Street Loudon, TN 37774 Full Service B&M $35,465
    United Community Bank 8201 White Bluff Rd Savannah, GA 31406 Full Service B&M $29,348
    United Community Bank 8460 Hwy 75 N Helen, GA 30545 Limited, Drive-thru $27,680
    United Community Bank 850 Eagle's Landing Parkway Stockbridge, GA 30281 Full Service B&M $98,638
    United Community Bank 865 Hampton Road Mcdonough, GA 30253 Full Service B&M $35,452
    United Community Bank 875 Lowcountry Boulevard Mount Pleasant, SC 29464 Full Service B&M $69,941
    United Community Bank 901 South Mechanic Street Pendleton, SC 29670 Full Service B&M $68,670
    United Community Bank 9100 Covington Bypass Covington, GA 30014 Full Service B&M $36,137
    United Community Bank 946 Orleans Road Charleston, SC 29407 Full Service B&M $64,409
    United Community Bank 95 U.S. Highway 64 West Hayesville, NC 28904 Full Service B&M $70,853
    United Community Bank 9699 Rome Boulevard Summerville, GA 30747 Full Service B&M $106,708

    For 2018, United Community Bank had 144 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $496,287
    Net interest income $446,665
    Total noninterest income $96,656
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $23,211
    Trading account gains and fees $0
    Additional Noninterest Income $73,445
    Pre-tax net operating income $231,623
    Securities gains (or losses, -) $-656
    Income before extraordinary items $179,525
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $179,525
    Minority interest net income $0
    Net income $179,525
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $180,043

    United Community Bank's gross interest income from loans was $496,287,000.
    United Community Bank's net interest income from loans was $446,665,000.
    United Community Bank's fee based income from loans was $23,211,000.
    United Community Bank's net income from loans was $179,525,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $49,622
    Provision for credit losses $8,402
    Total noninterest expense $303,296
    Salaries and employee benefits $169,596
    Premises and equipment expense $32,925
    Additional noninterest expense $100,775
    Applicable income taxes $51,442
    Net charge-offs $6,113
    Cash dividends $0

    United Community Bank's interest expense for loans was $49,622,000.
    United Community Bank's payroll and benefits expense were $169,596,000.
    United Community Bank's property, plant and equipment expenses $32,925,000.

    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 $10,683,286
    Deposits held in domestic offices $10,683,286
    Deposits by Individuals, partnerships, and corporations $9,340,253
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,333,381
    Deposits by Commercial banks and other depository institutions in U.S. $9,652
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $590,007
    Demand deposits $356,235
    Nontransaction accounts $10,093,279
    Money market deposit accounts (MMDAs) $2,375,393
    Other savings deposits (excluding MMDAs) $5,575,257
    Total time deposits $2,142,631
    Total time and savings deposits $10,327,051
    Noninterest-bearing deposits $3,214,945
    Interest-bearing deposits $7,468,341
    Retail deposits $9,753,180
    IRAs and Keogh plan accounts $293,949
    Brokered deposits $683,715
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $12,548,727
    Cash & Balances due from depository institutions $322,516
    Interest-bearing balances $88,943
    Total securities $2,901,361
    Federal funds sold & reverse repurchase $0
    Net loans and leases $8,341,133
    Loan and leases loss allowance $61,203
    Trading account assets $0
    Bank premises and fixed assets $202,615
    Other real estate owned $1,305
    Goodwill and other intangibles $343,461
    All other assets $436,336

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $12,548,727
    Total Liabilities $11,026,326
    Total deposits $10,683,286
    Interest-bearing deposits $7,468,341
    Deposits held in domestic offices $10,683,286
    % insured (estimated) $69
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $214,996
    Subordinated debt $0
    All other liabilities $128,044

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $8,341,133
    Loan and leases loss allowance $61,203
    Total loans and leases (domestic) $8,402,336
    All real estate loans $6,229,307
    Real estate loans in domestic offices $6,229,307
    Construction and development loans $1,007,118
    Residential 1-4 family construction $277,716
    Other construction, all land development and other land $729,402
    Loans secured by nonfarm nonresidential properties $3,024,534
    Nonfarm nonresidential secured by owner-occupied properties $1,515,207
    Commercial real estate & other non-farm, non-residential $1,509,327
    Multifamily residential real estate $109,383
    1-4 family residential loans $2,025,462
    Farmland loans $62,810
    Loans held in foreign offices $0
    Farm loans $4,343
    Commercial and industrial loans $1,781,874
    To non-U.S. addressees $0
    Loans to individuals $328,440
    Credit card loans $0
    Related Plans $13,068
    Consumer Auto Loans $243,053
    Other loans to individuals $72,319
    All other loans & leases $58,371
    Loans to foreign governments and official institutions $0
    Other loans $1,299
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $24,092
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $43,637
    Non 1-4 family restructured loans & leases $30,766
    Total loans and leases (foreign) $1

    United Community Bank had $8,341,133,000 of loans outstanding in 2018. $6,229,307,000 of loans were in real estate loans. $1,007,118,000 of loans were in development loans. $109,383,000 of loans were in multifamily mortgage loans. $2,025,462,000 of loans were in 1-4 family mortgage loans. $4,343,000 of loans were in farm loans. $0 of loans were in credit card loans. $243,053,000 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 3,895 $887,612 $227,885
    Nonfarm, nonresidential loans - <$100k 611 $28,056 $45,918
    Nonfarm, nonresidential loans - $100-250k 1,301 $149,945 $115,254
    Nonfarm, nonresidential loans - $250k-1MM 1,983 $709,611 $357,847
    Commercial & Industrial, US addressed loans - <$1MM 6,801 $466,045 $68,526
    Commercial & Industrial, US addressed loans - <$100k 4,515 $91,589 $20,285
    Commercial & Industrial, US addressed loans - $100-250k 1,208 $101,583 $84,092
    Commercial & Industrial, US addressed loans - $250k-1MM 1,078 $272,873 $253,129
    Farmland loans - <$1MM 303 $28,555 $94,241
    Farmland loans - <$100k 136 $4,693 $34,507
    Farmland loans - $100-250k 122 $13,374 $109,623
    Farmland loans - $250k-1MM 45 $10,488 $233,067
    Agriculture operations loans - <$1MM 93 $3,039 $32,677
    Agriculture operations loans - <$100k 79 $1,545 $19,557
    Agriculture operations loans - $100-250k 9 $853 $94,778
    Agriculture operations loans - $250k-1MM 5 $641 $128,200