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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    • Mortgage Data

  • Originations
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  • Product Mix
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  • Loan Sizes
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  • Complaints
  • Similar Lenders
  • 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, Asheville, Greenville, Knoxville, and Raleigh among others. We have data for 104 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% 11/21/24
    30 Year Conventional Purchase 6.76% 11/21/24
    30 Year Conventional Refi 6.56% 11/21/24
    30 Year Cash-out Refi 6.79% 11/21/24
    30 Year FHA Purchase 7.19% 11/21/24
    30 Year FHA Refi 7.29% 11/21/24
    30 Year VA Purchase 6.17% 11/21/24
    30 Year USDA Purchase 6.74% 11/21/24
    15 Year Conventional Purchase 6.85% 11/21/24
    15 Year Conventional Refi 6.08% 11/21/24
    15 Year Cash-out Refi 6.08% 11/21/24
    15 Year FHA Purchase 5.68% 11/21/24
    15 Year VA Refi 5.68% 11/21/24
    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

    7,744

    Origination Dollar Volume (All Markets)

    $1,500,450,000

    Employee count

    2,303 Show all (12) 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) 1,851 $382,755,000 $206,783 $4,610 3.73%
    Outside of Metro Areas 1,804 $289,450,000 $160,449 $4,102 3.62%
    ASHEVILLE, NC (FHA|USDA|VA) 344 $88,350,000 $256,831 $4,566 3.65%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 513 $83,065,000 $161,920 $4,045 3.46%
    KNOXVILLE, TN (FHA|USDA|VA) 377 $69,055,000 $183,170 $4,169 3.37%
    RALEIGH-CARY, NC (FHA|USDA|VA) 301 $66,545,000 $221,080 $4,291 3.79%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 180 $61,210,000 $340,056 $5,031 3.89%
    SAVANNAH, GA (FHA|USDA|VA) 130 $36,540,000 $281,077 $4,752 3.92%
    GAINESVILLE, GA (FHA|USDA|VA) 194 $36,320,000 $187,216 $4,190 3.56%
    CLEVELAND, TN (FHA|USDA|VA) 202 $32,570,000 $161,238 $4,181 3.83%
    Brevard, NC (FHA|USDA|VA) 131 $28,925,000 $220,802 $4,900 3.66%
    ROME, GA (FHA|USDA|VA) 169 $27,895,000 $165,059 $4,208 3.73%
    SPARTANBURG, SC (FHA|USDA|VA) 187 $25,815,000 $138,048 $3,524 3.48%
    BRUNSWICK, GA (FHA|USDA|VA) 128 $24,860,000 $194,219 $4,683 3.72%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 125 $21,785,000 $174,280 $3,571 3.66%
    Cullowhee, NC (FHA|USDA|VA) 117 $21,355,000 $182,521 $4,508 3.47%
    Cornelia, GA (FHA|USDA|VA) 113 $19,135,000 $169,336 $3,600 3.67%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 46 $13,730,000 $298,478 $5,688 3.42%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 29 $13,455,000 $463,966 $4,895 3.83%
    COLUMBIA, SC (FHA|USDA|VA) 38 $11,450,000 $301,316 $7,600 4.45%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 53 $10,465,000 $197,453 $4,009 4.28%
    Jefferson, GA (FHA|USDA|VA) 65 $10,205,000 $157,000 $4,876 3.69%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 37 $10,105,000 $273,108 $3,957 4.08%
    Boone, NC (FHA|USDA|VA) 32 $9,560,000 $298,750 $4,696 3.68%
    Summerville, GA (FHA|USDA|VA) 91 $9,255,000 $101,703 $3,569 3.85%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 38 $7,970,000 $209,737 $4,426 3.81%
    Seneca, SC (FHA|USDA|VA) 28 $6,910,000 $246,786 $5,053 3.95%
    FAYETTEVILLE, NC (FHA|USDA|VA) 40 $6,110,000 $152,750 $4,451 4.04%
    Greenwood, SC (FHA|USDA|VA) 43 $5,125,000 $119,186 $4,944 3.30%
    Sevierville, TN (FHA|USDA|VA) 14 $4,380,000 $312,857 $4,270 4.49%
    Calhoun, GA (FHA|USDA|VA) 23 $3,775,000 $164,130 $4,183 4.08%
    GREENVILLE, NC (FHA|USDA|VA) 1 $3,695,000 $3,695,000 $0 4.00%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 11 $2,905,000 $264,091 $3,552 3.92%
    WILMINGTON, NC (FHA|USDA|VA) 6 $2,890,000 $481,667 $3,479 4.81%
    Cedartown, GA (FHA|USDA|VA) 20 $2,680,000 $134,000 $3,439 3.59%
    Morehead City, NC (FHA|USDA|VA) 9 $2,645,000 $293,889 $4,083 4.46%
    Toccoa, GA (FHA|USDA|VA) 14 $2,450,000 $175,000 $3,882 3.81%
    GOLDSBORO, NC (FHA|USDA|VA) 4 $2,300,000 $575,000 $4,546 4.38%
    DALTON, GA (FHA|USDA|VA) 10 $2,130,000 $213,000 $3,866 3.84%
    Athens, TN (FHA|USDA|VA) 11 $1,925,000 $175,000 $4,353 3.52%
    LaGrange, GA-AL (FHA|USDA|VA) 10 $1,910,000 $191,000 $5,378 4.25%
    Georgetown, SC (FHA|USDA|VA) 9 $1,825,000 $202,778 $4,654 3.43%
    FLORENCE, SC (FHA|USDA|VA) 8 $1,800,000 $225,000 $3,916 3.56%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 8 $1,740,000 $217,500 $4,060 4.22%
    Gaffney, SC (FHA|USDA|VA) 17 $1,605,000 $94,412 $3,072 3.78%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 6 $1,490,000 $248,333 $5,778 3.90%
    JACKSONVILLE, FL (FHA|USDA|VA) 4 $1,420,000 $355,000 $4,979 4.31%
    Waycross, GA (FHA|USDA|VA) 15 $1,205,000 $80,333 $3,619 3.71%
    WINSTON-SALEM, NC (FHA|USDA|VA) 2 $1,070,000 $535,000 $4,322 4.13%
    Marion, NC (FHA|USDA|VA) 5 $1,055,000 $211,000 $3,635 4.05%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 6 $1,050,000 $175,000 $4,127 4.40%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 3 $1,035,000 $345,000 $5,564 3.63%
    JOHNSON CITY, TN (FHA|USDA|VA) 7 $1,015,000 $145,000 $5,836 3.68%
    Forest City, NC (FHA|USDA|VA) 6 $980,000 $163,333 $4,000 4.21%
    COLUMBUS, GA-AL (FHA|USDA|VA) 5 $835,000 $167,000 $3,906 4.00%
    JACKSONVILLE, NC (FHA|USDA|VA) 2 $820,000 $410,000 $2,998 3.69%
    Statesboro, GA (FHA|USDA|VA) 4 $800,000 $200,000 $2,939 4.47%
    Milledgeville, GA (FHA|USDA|VA) 5 $745,000 $149,000 $5,417 3.08%
    Dayton, TN (FHA|USDA|VA) 5 $725,000 $145,000 $3,364 3.83%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 3 $705,000 $235,000 $3,511 4.33%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $700,000 $350,000 $4,055 3.63%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 6 $690,000 $115,000 $4,619 3.85%
    St. Marys, GA (FHA|USDA|VA) 4 $640,000 $160,000 $4,510 3.31%
    MORRISTOWN, TN (FHA|USDA|VA) 3 $635,000 $211,667 $5,404 3.54%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 2 $630,000 $315,000 $4,013 4.94%
    Scottsboro, AL (FHA|USDA|VA) 1 $565,000 $565,000 $3,048 3.75%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $560,000 $280,000 $3,297 5.35%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $540,000 $270,000 $3,039 4.31%
    Orangeburg, SC (FHA|USDA|VA) 3 $525,000 $175,000 $7,034 4.33%
    Washington, NC (FHA|USDA|VA) 2 $480,000 $240,000 $3,648 3.81%
    Newberry, SC (FHA|USDA|VA) 2 $470,000 $235,000 $5,479 4.31%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $460,000 $230,000 $4,826 3.69%
    ROCKY MOUNT, NC (FHA|USDA|VA) 4 $450,000 $112,500 $1,402 3.39%
    Vidalia, GA (FHA|USDA|VA) 2 $440,000 $220,000 $5,280 4.69%
    SUMTER, SC (FHA|USDA|VA) 3 $435,000 $145,000 $2,726 4.67%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $405,000 $405,000 $5,401 3.13%
    Crossville, TN (FHA|USDA|VA) 2 $370,000 $185,000 $3,309 3.44%
    Rockingham, NC (FHA|USDA|VA) 4 $370,000 $92,500 $1,301 4.91%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $355,000 $355,000 $3,856 4.25%
    Alexander City, AL (FHA|USDA|VA) 1 $355,000 $355,000 $3,317 3.25%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $345,000 $115,000 $2,726 5.46%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $345,000 $345,000 $4,807 4.75%
    NEW BERN, NC (FHA|USDA|VA) 2 $290,000 $145,000 $6,471 4.06%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $275,000 $275,000 $8,628 4.13%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $265,000 $265,000 $4,021 3.88%
    McMinnville, TN (FHA|USDA|VA) 1 $255,000 $255,000 $5,120 3.63%
    Union, SC (FHA|USDA|VA) 1 $245,000 $245,000 $6,359 4.88%
    Tifton, GA (FHA|USDA|VA) 1 $235,000 $235,000 $7,710 4.13%
    Wilson, NC (FHA|USDA|VA) 6 $220,000 $36,667 $0 5.94%
    HINESVILLE, GA (FHA|USDA|VA) 2 $220,000 $110,000 $4,607 3.81%
    Mount Airy, NC (FHA|USDA|VA) 1 $215,000 $215,000 $3,020 4.63%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $205,000 $205,000 $3,310 4.50%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 2 $190,000 $95,000 $3,216 5.25%
    Jesup, GA (FHA|USDA|VA) 1 $175,000 $175,000 $3,596 4.38%
    Cookeville, TN (FHA|USDA|VA) 1 $175,000 $175,000 $3,232 3.50%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $170,000 $85,000 $3,345 3.31%
    Thomaston, GA (FHA|USDA|VA) 1 $155,000 $155,000 $5,759 3.50%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,016 4.63%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 2 $140,000 $70,000 $4,146 4.25%
    BURLINGTON, NC (FHA|USDA|VA) 1 $135,000 $135,000 $0 2.75%
    Paris, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,822 3.88%
    Greeneville, TN (FHA|USDA|VA) 1 $115,000 $115,000 $2,877 4.38%
    Sanford, NC (FHA|USDA|VA) 1 $115,000 $115,000 $3,207 3.63%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $55,000 $55,000 $3,354 5.50%
    United Community Bank's top markets include Atlanta, Asheville, Greenville, Knoxville, and Raleigh among others.

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

    • 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.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 4,288 $1,090,320,000 $254,272 $4,159 4.30%
    HELOC 2,892 $298,520,000 $103,223 n/a 2.72%
    FHA 338 $63,000,000 $186,391 $6,454 3.99%
    VA 134 $33,650,000 $251,119 $5,036 3.85%
    USDA 92 $14,960,000 $162,609 $4,818 3.88%

    For 2019, United Community Bank's most frequently originated type of loan was Conventional, with 4,288 originations. Their 2nd most popular type was HELOC, with 2,892 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 3,271 $807,355,000 $246,822 $4,679 4.06%
    Refi 1,950 $384,550,000 $197,205 $3,766 3.70%
    Home Improvement 964 $81,870,000 $84,927 $4,792 2.80%
    Other 868 $73,740,000 $84,954 $1,082 2.79%
    Cash Out Refi 691 $152,935,000 $221,324 $3,944 4.21%

    For 2019, United Community Bank's most frequently cited loan purpose was Home Purchase, with 3,271 originations. The 2nd most popular reason was Refi, with 1,950 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 3,176 $757,290,000 $238,441 $4,233 4.19%
    Other 3,056 $330,890,000 $108,276 $1,941 2.86%
    30+ year 706 $252,470,000 $357,606 $6,474 4.21%
    15 Year 491 $84,615,000 $172,332 $3,206 3.87%
    5 Year 130 $39,910,000 $307,000 $648 5.78%
    20 Year 96 $18,860,000 $196,458 $3,014 4.19%
    10 Year 62 $9,790,000 $157,903 $2,252 4.63%
    1 Year 25 $6,075,000 $243,000 $4,257 6.12%
    3 Year 2 $550,000 $275,000 $0 4.75%

    For 2019, United Community Bank's most frequently cited loan duration was 30 Year, with 3,176 originations. The 2nd most popular length was Other, with 3,056 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 2,181 $474,385,000 $217,508
    $1k-2k 1,575 $384,205,000 $243,940
    $2k-3k 340 $81,520,000 $239,765
    $3k-4k 224 $66,310,000 $296,027
    $5k+ 162 $79,980,000 $493,704
    $4k-5k 132 $43,130,000 $326,742

    United Community Bank's average total fees were $4,233, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 2,181 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 2,633 $663,225,000 $251,889
    <2.5% 1,987 $213,145,000 $107,270
    4-5% 1,981 $467,685,000 $236,085
    2.5-3% 542 $60,200,000 $111,070
    5-6% 418 $73,120,000 $174,928
    6-7% 148 $20,980,000 $141,757
    7-8% 27 $1,815,000 $67,222
    Over 8% 6 $190,000 $31,667
    % 1 $85,000 $85,000

    During 2019, United Community Bank's average interest rate for loans was 4.19%, while their most frequently originated rate bucket for loans was 3-4%, with 2,633 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 2,519 $127,345,000 $50,554 $2,495 3.30%
    $100k-200k 2,309 $338,185,000 $146,464 $3,791 3.79%
    $200k-400k 2,214 $604,350,000 $272,967 $4,829 3.93%
    $400k-600k 491 $231,925,000 $472,352 $5,835 3.91%
    $600k-1MM 166 $122,400,000 $737,349 $7,060 3.97%
    $1MM+ 45 $76,245,000 $1,694,333 $9,656 4.21%

    2019 saw United Community Bank place emphasis on $100,000 or less loans with 2,519 originations, totaling $127,345,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 1,698 $247,050,000 $145,495 $4,077 3.68%
    $50k or less 1,520 $150,800,000 $99,211 $3,511 3.76%
    $100k-150k 1,492 $318,580,000 $213,525 $4,690 3.62%
    $75k-100k 1,238 $210,680,000 $170,178 $4,336 3.67%
    $150k-250k 957 $259,615,000 $271,280 $5,088 3.54%
    $250k+ 568 $237,190,000 $417,588 $5,766 3.55%

    United Community Bank lent most frequently to those with incomes in the $50k-75k range, with 1,698 originations. The second most popular income band? $50k or less, with 1,520 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 1,865 $336,855,000 $180,619 $4,106 3.52%
    30-36% 1,453 $280,925,000 $193,341 $4,405 3.65%
    <20% 985 $151,705,000 $154,015 $3,968 3.21%
    39% 427 $80,015,000 $187,389 $4,879 3.50%
    38% 322 $65,940,000 $204,783 $4,793 3.65%
    42% 279 $67,165,000 $240,735 $4,773 4.00%
    37% 278 $54,720,000 $196,835 $4,604 3.64%
    36% 274 $58,640,000 $214,015 $4,749 3.71%
    40% 269 $58,525,000 $217,565 $4,782 3.83%
    44% 254 $51,040,000 $200,945 $4,103 3.62%
    41% 231 $54,305,000 $235,087 $4,580 4.07%
    43% 176 $35,710,000 $202,898 $4,406 3.93%
    50-60% 147 $26,175,000 $178,061 $5,339 3.76%
    45% 122 $26,030,000 $213,361 $4,094 4.13%
    >60% 118 $21,810,000 $184,831 $1,673 4.01%
    46% 87 $16,235,000 $186,609 $3,944 3.96%
    47% 86 $17,320,000 $201,395 $4,255 4.08%
    49% 84 $16,930,000 $201,548 $4,496 3.90%
    48% 65 $13,815,000 $212,538 $4,455 4.02%

    United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 1,865 originations. The next most common DTI ratio? 30-36%, with 1,453 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 6,603 $1,248,765,000 $189,121 $4,343 3.64%
    Not provided 616 $113,090,000 $183,588 $4,649 3.44%
    Not applicable 138 $58,070,000 $420,797 $0 5.52%
    Black 262 $52,280,000 $199,542 $4,455 4.28%
    Asian 78 $18,170,000 $232,949 $4,331 3.82%
    American Indian 22 $4,330,000 $196,818 $3,917 4.07%
    Asian Indian 11 $3,235,000 $294,091 $5,545 3.40%
    Other Asian 5 $1,135,000 $227,000 $3,516 3.90%
    Vietnamese 3 $545,000 $181,667 $3,243 3.00%
    Chinese 2 $330,000 $165,000 $2,672 3.19%
    Native Hawaiian or Islander 2 $270,000 $135,000 $7,870 4.50%
    Native Hawaiian 1 $185,000 $185,000 $3,254 5.00%
    Other Pacific Islander 1 $45,000 $45,000 $0 2.25%

    Approval Rates

    Total approvals of all applications
    79.67%

    United Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    78.29%

    United Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 6 $80,000 $13,333
    3840.5 1 $455,000 $455,000
    NA 7,737 $1,499,915,000 $193,863

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 3 $935,000 $311,667
    Multifamily:Site-Built 30 $33,480,000 $1,116,000
    Single Family (1-4 Units):Manufactured 70 $3,420,000 $48,857
    Single Family (1-4 Units):Site-Built 7,641 $1,462,615,000 $191,417

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,255 $134,855,000 $107,454 $2,789 3.19%
    40-60% 1,018 $198,140,000 $194,637 $3,686 3.64%
    60-80% 1,909 $531,335,000 $278,332 $4,411 3.98%
    80-100% 2,271 $568,245,000 $250,218 $4,753 4.14%
    Over 100% 38 $10,380,000 $273,158 $8,082 3.87%
    Under 20% 1,247 $56,025,000 $44,928 $1,381 2.90%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    UNITED COMMUNITY BANK Conventional home mortgage Struggling to pay mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    United Community Bank 109 Scranton Connector Brunswick, GA 31521 Full Service B&M $92,987
    United Community Bank 10 Park Place East Brevard, NC 28712 Full Service B&M $42,944
    United Community Bank 1000 Georgia Hwy138 Se Conyers, GA 30013 Full Service B&M $123,981
    United Community Bank 1001 Polk Street Marietta, GA 30064 Full Service B&M $105,597
    United Community Bank 101 West Carolina Avenue Clinton, SC 29325 Full Service B&M $24,445
    United Community Bank 101 West Main Street Laurens, SC 29360 Full Service B&M $89,756
    United Community Bank 1010 Plant Avenue Waycross, GA 31501 Full Service B&M $27,974
    United Community Bank 1015 Buford Highway Cumming, GA 30041 Full Service B&M $57,281
    United Community Bank 102 East Main Street Clayton, NC 27520 Full Service B&M $69,661
    United Community Bank 10514 Kingston Pike Knoxville, TN 37922 Full Service B&M $50,171
    United Community Bank 106 West College Street Simpsonville, SC 29681 Full Service B&M $65,094
    United Community Bank 108 East Main Street Duncan, SC 29334 Full Service B&M $38,659
    United Community Bank 1087 Hunters Crossing Alcoa, TN 37701 Full Service B&M $29,121
    United Community Bank 109 Highway 53 West Dawsonville, GA 30534 Full Service B&M $123,958
    United Community Bank 115 Four Oaks Place Dunn, NC 28334 Full Service B&M $16,381
    United Community Bank 11500 Asheville Highway Inman, SC 29349 Full Service B&M $46,168
    United Community Bank 116 Peachtree Street Murphy, NC 28906 Full Service B&M $137,175
    United Community Bank 118 Whitfield Drive Jasper, GA 30143 Full Service B&M $62,477
    United Community Bank 119 Maple Street Carrollton, GA 30117 Full Service B&M $192,298
    United Community Bank 11915 Plaza Drive Murrells Inlet, SC 29576 Full Service B&M $35,291
    United Community Bank 1220 Richard Sailors Parkway Powder Springs, GA 30127 Full Service B&M $87,760
    United Community Bank 128 North Second Street Smithfield, NC 27577 Full Service B&M $76,310
    United Community Bank 1300 2nd Avenue Conway, SC 29526 Full Service B&M $38,227
    United Community Bank 1312 Professional Drive Myrtle Beach, SC 29577 Full Service B&M $30,698
    United Community Bank 132 Rodney Orr Bypass Robbinsville, NC 28771 Full Service B&M $81,066
    United Community Bank 1320 Joe Frank Harris Parkway Cartersville, GA 30120 Full Service B&M $36,548
    United Community Bank 1400 Augusta Street Greenville, SC 29605 Full Service B&M $101,446
    United Community Bank 14031 Highway 27 Trion, GA 30753 Full Service B&M $26,387
    United Community Bank 1408 Garner Station Boulevard Raleigh, NC 27603 Full Service B&M $27,840
    United Community Bank 145 Slope Street Bryson City, NC 28713 Full Service B&M $84,128
    United Community Bank 1472 441 By-Pass Cornelia, GA 30531 Full Service B&M $130,504
    United Community Bank 149 Brackett's Way Blairsville, GA 30512 Full Service B&M $28,051
    United Community Bank 15 Cedartown Street Cave Spring, GA 30124 Full Service B&M $32,845
    United Community Bank 1500 Commerce Drive Peachtree City, GA 30269 Full Service B&M $59,726
    United Community Bank 1510 Old Trolley Road Summerville, SC 29485 Full Service B&M $37,221
    United Community Bank 1524 East Main Street Easley, SC 29640 Full Service B&M $24,377
    United Community Bank 1528 North Hwy 74 Tyrone, GA 30290 Full Service B&M $51,677
    United Community Bank 153 East Kytle Street Cleveland, GA 30528 Full Service B&M $157,880
    United Community Bank 160 West Main Street Brevard, NC 28712 Full Service B&M $54,662
    United Community Bank 1627-A Church Street Conway, SC 29526 Full Service B&M $32,400
    United Community Bank 1640 East Main Street Sylva, NC 28779 Full Service B&M $58,148
    United Community Bank 165 North Main Street Waynesville, NC 28786 Full Service B&M $78,092
    United Community Bank 1701 North Oak Street Myrtle Beach, SC 29577 Full Service B&M $51,542
    United Community Bank 177 Highway 515 East Blairsville, GA 30512 Full Service B&M $735,523
    United Community Bank 182 Blue Ridge Drive Mccaysville, GA 30555 Full Service B&M $76,419
    United Community Bank 20 Frank Allen Road Cashiers, NC 28717 Full Service B&M $59,618
    United Community Bank 200 Cherokee Street Marietta, GA 30090 Full Service B&M $128,399
    United Community Bank 200 East Church Street Benson, NC 27504 Full Service B&M $32,672
    United Community Bank 200 Glen Road Garner, NC 27529 Full Service B&M $40,013
    United Community Bank 200 Linville Street Newland, NC 28657 Full Service B&M $36,619
    United Community Bank 2001 Commercial Drive, South Brunswick, GA 31525 Full Service B&M $51,410
    United Community Bank 201 West Center Street Holly Springs, NC 27540 Full Service B&M $25,410
    United Community Bank 2055 Homer Road Commerce, GA 30529 Full Service B&M $73,363
    United Community Bank 206 Morrison Moore Parkway Dahlonega, GA 30533 Full Service B&M $130,594
    United Community Bank 207 North Cambridge Ninety Six, SC 29666 Full Service B&M $35,797
    United Community Bank 210 General Daniel Avenue Danielsville, GA 30633 Full Service B&M $63,954
    United Community Bank 2101 Woodruff Road Greenville, SC 29607 Full Service B&M $33,115
    United Community Bank 214 North Main Street Hiawassee, GA 30546 Full Service B&M $183,220
    United Community Bank 2157 Sandridge Court Gainesville, GA 30501 Full Service B&M $69,212
    United Community Bank 2160 W Spring St Monroe, GA 30655 Full Service B&M $22,906
    United Community Bank 2168 Scenic Highway Snellville, GA 30078 Full Service B&M $63,288
    United Community Bank 2215 Riverstone Boulevard Canton, GA 30114 Full Service B&M $110,497
    United Community Bank 2225 East Victory Drive Savannah, GA 31404 Full Service B&M $48,718
    United Community Bank 223 North 3rd Street Kingston, TN 37763 Full Service B&M $45,757
    United Community Bank 800 Summit Avenue Spruce Pine, NC 28777 Full Service B&M $51,001
    United Community Bank 2230 Riverside Parkway Lawrenceville, GA 30043 Full Service B&M $295,174
    United Community Bank 2456 Mars Hill Road Athens, GA 30606 Full Service B&M $7,378
    United Community Bank 2461 Demere Road St. Simons Island, GA 31522 Full Service B&M $57,616
    United Community Bank 2520 Chimney Rock Road Hendersonville, NC 28792 Full Service B&M $45,250
    United Community Bank 2525 Keith St Nw Cleveland, TN 37312 Full Service B&M $60,831
    United Community Bank 257 East Main Street Franklin, NC 28734 Full Service B&M $61,069
    United Community Bank 257 Medical Park Drive Lenoir City, TN 37771 Full Service B&M $213,185
    United Community Bank 27 Bull Street Savannah, GA 31401 Full Service B&M $100,107
    United Community Bank 2760 Martha Berry Highway Rome, GA 30165 Full Service B&M $32,758
    United Community Bank 290 Village Square Loudon, TN 37774 Full Service B&M $73,426
    United Community Bank 291 East Us Highway 19e Burnsville, NC 28714 Full Service B&M $51,552
    United Community Bank 300 North Weston Street Fountain Inn, SC 29644 Full Service B&M $52,591
    United Community Bank 4000 Appalachian Highway Blue Ridge, GA 30513 Full Service B&M $276,996
    United Community Bank 306 East North Street Greenville, SC 29601 Full Service B&M $126,174
    United Community Bank 307 East 2nd Avenue Rome, GA 30162 Full Service B&M $238,320
    United Community Bank 311 South Limestone Street Gaffney, SC 29340 Full Service B&M $54,425
    United Community Bank 3187 Highway 9 East Little River, SC 29566 Full Service B&M $28,465
    United Community Bank 3210 Highway 701 North Byp Loris, SC 29569 Full Service B&M $21,608
    United Community Bank 325 N Judd Parkway, N.E. Fuquay Varina, NC 27526 Full Service B&M $66,773
    United Community Bank 3273 U.S. Highway 441 North Whittier, NC 28789 Full Service B&M $32,902
    United Community Bank 3310 Henderson Mill Road Atlanta, GA 30341 Full Service B&M $72,241
    United Community Bank 351 Jesse Jewell Pkwy Gainesville, GA 30501 Full Service B&M $231,502
    United Community Bank 3781 Sixes Road Canton, GA 30114 Full Service B&M $82,876
    United Community Bank 3785 Mundy Mill Road Oakwood, GA 30566 Full Service B&M $101,195
    United Community Bank 3995 Sc Highway 9 Boiling Springs, SC 29316 Full Service B&M $37,523
    United Community Bank 401 West Butler Road Mauldin, SC 29662 Full Service B&M $36,698
    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 $65,084
    United Community Bank 4356 South Lee Street Buford, GA 30518 Full Service B&M $93,178
    United Community Bank 4365 Browns Bridge Road Cumming, GA 30041 Full Service B&M $212,080
    United Community Bank 449 East Main Street Spartanburg, SC 29302 Full Service B&M $71,409
    United Community Bank 4519 Highway 411 Madisonville, TN 37354 Full Service B&M $16,124
    United Community Bank 468 West Louise Street Clarkesville, GA 30523 Full Service B&M $94,426
    United Community Bank 470 Haywood Road Greenville, SC 29607 Full Service B&M $42,670
    United Community Bank 485 W. Bankhead Highway Villa Rica, GA 30180 Full Service B&M $23,626
    United Community Bank 4970 Bill Gardner Parkway Locust Grove, GA 30248 Full Service B&M $40,452
    United Community Bank 50 United Bank Drive Etowah, NC 28729 Full Service B&M $47,064
    United Community Bank 5009 Broad Street Loris, SC 29569 Full Service B&M $59,949
    United Community Bank 501 Church Street Laurens, SC 29360 Full Service B&M $61,186
    United Community Bank 5100 Dallas Highway Powder Springs, GA 30127 Full Service B&M $89,105
    United Community Bank 5125 Atlanta Highway Alpharetta, GA 30004 Full Service B&M $39,942
    United Community Bank 516 Hwy 441 S Clayton, GA 30525 Full Service B&M $90,301
    United Community Bank 5172 Cleveland Hwy Gainesville, GA 30506 Full Service B&M $47,682
    United Community Bank 52 Burnt Church Road Bluffton, SC 29910 Full Service B&M $32,538
    United Community Bank 525 North Jeff Davis Drive Fayetteville, GA 30214 Full Service B&M $108,742
    United Community Bank 54 N Mitchell Ave Bakersville, NC 28705 Full Service B&M $46,454
    United Community Bank 5536 Georgia Highway 72 Colbert, GA 30628 Full Service B&M $64,974
    United Community Bank 558 Industrial Boulevard Ellijay, GA 30540 Full Service B&M $191,647
    United Community Bank 5679 Appalachian Highway Blue Ridge, GA 30513 Full Service B&M $7,344
    United Community Bank 570 Roe Center Court Travelers Rest, SC 29690 Full Service B&M $21,555
    United Community Bank 6144 Us Highway 301 South Four Oaks, NC 27524 Full Service B&M $99,278
    United Community Bank 617 Hwy. 17 South North Myrtle Beach, SC 29582 Full Service B&M $36,312
    United Community Bank 6372 Highway 53 East Dawsonville, GA 30534 Full Service B&M $91,943
    United Community Bank 65 Washington Street Fairburn, GA 30213 Full Service B&M $168,066
    United Community Bank 6600 Mcginnis Ferry Road Duluth, GA 30097 Full Service B&M $64,107
    United Community Bank 6670 Church Street Douglasville, GA 30134 Full Service B&M $28,882
    United Community Bank 701 Montague Avenue Greenwood, SC 29649 Full Service B&M $86,840
    United Community Bank 71 Bullsboro Newnan, GA 30265 Full Service B&M $46,051
    United Community Bank 732 Main Street Andrews, NC 28901 Full Service B&M $51,818
    United Community Bank 7400 Adairsville Hwy Adairsville, GA 30103 Full Service B&M $70,044
    United Community Bank 780 Us Highway 29 North Athens, GA 30601 Full Service B&M $93,047
    United Community Bank 8036 Valley Blvd Blowing Rock, NC 28605 Full Service B&M $23,594
    United Community Bank 805 North Arendell Avenue Zebulon, NC 27597 Full Service B&M $58,069
    United Community Bank 809 West Wade Hampton Boulevard Greer, SC 29650 Full Service B&M $32,203
    United Community Bank 815 North Main Street Anderson, SC 29621 Full Service B&M $69,584
    United Community Bank 817 Mulberry Street Loudon, TN 37774 Full Service B&M $41,662
    United Community Bank 8201 White Bluff Rd Savannah, GA 31406 Full Service B&M $39,465
    United Community Bank 8460 Hwy 75 N Helen, GA 30545 Limited, Drive-thru $31,914
    United Community Bank 850 Eagle's Landing Parkway Stockbridge, GA 30281 Full Service B&M $114,382
    United Community Bank 865 Hampton Road Mcdonough, GA 30253 Full Service B&M $39,246
    United Community Bank 875 Lowcountry Boulevard Mount Pleasant, SC 29464 Full Service B&M $59,733
    United Community Bank 901 South Mechanic Street Pendleton, SC 29670 Full Service B&M $61,540
    United Community Bank 9100 Covington Bypass Covington, GA 30014 Full Service B&M $39,099
    United Community Bank 922 E Main St Laurens, SC 29360 Full Service Cyber Office $4,377
    United Community Bank 946 Orleans Road Charleston, SC 29407 Full Service B&M $69,221
    United Community Bank 95 U.S. Highway 64 West Hayesville, NC 28904 Full Service B&M $69,536
    United Community Bank 9699 Rome Boulevard Summerville, GA 30747 Full Service B&M $113,287

    For 2019, United Community Bank had 142 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $548,816
    Net interest income $476,804
    Total noninterest income $108,786
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $22,971
    Trading account gains and fees $0
    Additional Noninterest Income $85,815
    Pre-tax net operating income $253,215
    Securities gains (or losses, -) $-1,021
    Income before extraordinary items $190,506
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $190,506
    Minority interest net income $0
    Net income $190,506
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $191,312

    United Community Bank's gross interest income from loans was $548,816,000.
    United Community Bank's net interest income from loans was $476,804,000.
    United Community Bank's fee based income from loans was $22,971,000.
    United Community Bank's net income from loans was $190,506,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $72,012
    Provision for credit losses $13,102
    Total noninterest expense $319,273
    Salaries and employee benefits $186,357
    Premises and equipment expense $32,425
    Additional noninterest expense $100,491
    Applicable income taxes $61,688
    Net charge-offs $12,217
    Cash dividends $0

    United Community Bank's interest expense for loans was $72,012,000.
    United Community Bank's payroll and benefits expense were $186,357,000.
    United Community Bank's property, plant and equipment expenses $32,425,000.

    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 $10,930,164
    Deposits held in domestic offices $10,930,164
    Deposits by Individuals, partnerships, and corporations $9,465,247
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,456,456
    Deposits by Commercial banks and other depository institutions in U.S. $8,461
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,063,997
    Demand deposits $699,264
    Nontransaction accounts $9,866,167
    Money market deposit accounts (MMDAs) $2,312,334
    Other savings deposits (excluding MMDAs) $5,608,579
    Total time deposits $1,945,256
    Total time and savings deposits $10,230,900
    Noninterest-bearing deposits $3,483,431
    Interest-bearing deposits $7,446,733
    Retail deposits $10,419,985
    IRAs and Keogh plan accounts $302,310
    Brokered deposits $160,701
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $12,887,120
    Cash & Balances due from depository institutions $514,430
    Interest-bearing balances $284,567
    Total securities $2,554,573
    Federal funds sold & reverse repurchase $0
    Net loans and leases $8,808,948
    Loan and leases loss allowance $62,089
    Trading account assets $0
    Bank premises and fixed assets $231,438
    Other real estate owned $475
    Goodwill and other intangibles $362,606
    All other assets $414,650

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $12,887,120
    Total Liabilities $11,072,706
    Total deposits $10,930,164
    Interest-bearing deposits $7,446,733
    Deposits held in domestic offices $10,930,164
    % insured (estimated) $66
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $22,040
    Subordinated debt $0
    All other liabilities $120,502

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $8,808,948
    Loan and leases loss allowance $62,089
    Total loans and leases (domestic) $8,871,037
    All real estate loans $6,777,509
    Real estate loans in domestic offices $6,777,509
    Construction and development loans $1,212,662
    Residential 1-4 family construction $335,152
    Other construction, all land development and other land $877,510
    Loans secured by nonfarm nonresidential properties $3,263,223
    Nonfarm nonresidential secured by owner-occupied properties $1,594,044
    Commercial real estate & other non-farm, non-residential $1,669,179
    Multifamily residential real estate $146,257
    1-4 family residential loans $2,095,627
    Farmland loans $59,740
    Loans held in foreign offices $0
    Farm loans $7,196
    Commercial and industrial loans $1,904,225
    To non-U.S. addressees $0
    Loans to individuals $126,828
    Credit card loans $0
    Related Plans $13,924
    Consumer Auto Loans $44,950
    Other loans to individuals $67,954
    All other loans & leases $55,280
    Loans to foreign governments and official institutions $0
    Other loans $1,376
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $23,680
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $45,718
    Non 1-4 family restructured loans & leases $31,378
    Total loans and leases (foreign) $-1

    United Community Bank had $8,808,948,000 of loans outstanding in 2019. $6,777,509,000 of loans were in real estate loans. $1,212,662,000 of loans were in development loans. $146,257,000 of loans were in multifamily mortgage loans. $2,095,627,000 of loans were in 1-4 family mortgage loans. $7,196,000 of loans were in farm loans. $0 of loans were in credit card loans. $44,950,000 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 3,782 $913,182 $241,455
    Nonfarm, nonresidential loans - <$100k 576 $25,027 $43,450
    Nonfarm, nonresidential loans - $100-250k 1,223 $147,646 $120,724
    Nonfarm, nonresidential loans - $250k-1MM 1,983 $740,509 $373,429
    Commercial & Industrial, US addressed loans - <$1MM 5,736 $444,310 $77,460
    Commercial & Industrial, US addressed loans - <$100k 3,882 $89,103 $22,953
    Commercial & Industrial, US addressed loans - $100-250k 903 $90,812 $100,567
    Commercial & Industrial, US addressed loans - $250k-1MM 951 $264,395 $278,018
    Farmland loans - <$1MM 276 $27,627 $100,098
    Farmland loans - <$100k 130 $4,556 $35,046
    Farmland loans - $100-250k 99 $11,043 $111,545
    Farmland loans - $250k-1MM 47 $12,028 $255,915
    Agriculture operations loans - <$1MM 100 $3,082 $30,820
    Agriculture operations loans - <$100k 87 $1,500 $17,241
    Agriculture operations loans - $100-250k 10 $1,248 $124,800
    Agriculture operations loans - $250k-1MM 3 $334 $111,333