Lender in Tennessee · HMDA 2025
United Community Bank mortgages in Tennessee
United Community Bank's 2025 home-purchase and refinance lending in Tennessee, compared with all lenders in the state.
United Community Bank originated 323 owner-occupied single-family loans in Tennessee from 406 completed applications.
Its median conventional purchase loan costs were $5,060 versus $5,320 for all Tennessee lenders, at a median 30-year fixed rate of 6.50% (Tennessee: 6.624%).
Loans in TN
323
of 406 applications
Denial rate
16.4%
Purchase · TN 7.7%
Rate spread
+0.20 pts
Conv. · TN +0.11 pts
Loan amount
$315,000
Purchase · TN $325,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 330 | 273 | 16.4% | 6.500% | +0.20 pts | $5,060 | $315,000 |
| Refinance | 42 | 32 | 16.7% | — | +0.06 pts | $3,610 | $295,000 |
| Cash-out refinance | 34 | 18 | 47.1% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Tennessee counties where United Community Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bradley County | 9 | 50 | 3.0% |
| Polk County | 14 | 4 | 2.1% |
| McMinn County | 17 | 10 | 1.3% |
| Johnson County | 23 | 2 | 1.3% |
| Loudon County | 24 | 13 | 1.1% |
| Roane County | 24 | 10 | 1.0% |
| Monroe County | 24 | 6 | 1.1% |
| Maury County | 25 | 24 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology