United Community Bank: 2025 mortgage rates, costs & approvals
How United Community Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.
HMDA legal name: United Community Bank · LEI 5493000XYE7QL54NMB52
In 2025, United Community Bank originated 736 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 11 states — 580th by volume among the 2,017 lenders profiled here.
On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was in line with the national median. Median conventional loan costs were $2,160, 61% lower than the national median ($5,570).
It denied 8.1% of completed home-purchase applications (all lenders: 8.5%).
How United Community Bank priced home-purchase loans
| Purchase loans, 2025 | United Community Bank | All lenders |
|---|---|---|
| 30-year fixed rate · conventional | 6.500% | 6.625% |
| 30-year fixed rate · FHA | 6.375% | 6.250% |
| 30-year fixed rate · VA | — | 6.125% |
| 15-year fixed rate · conventional | 5.750% | 5.875% |
| Rate spread vs. APOR · conventional | +0.15 pts | +0.13 pts |
| Total loan costs · conventional | $2,160 | $5,570 |
| Total loan costs · FHA | $5,200 | $11,310 |
| Total loan costs · VA | — | $6,490 |
| Origination charges (all types) | $500 | $1,860 |
| Borrowers paying discount points | 20.8% | 51.3% |
| Points paid, when paid (% of loan) | 0.11% | 0.87% |
| Borrowers receiving lender credits | 91.6% | 33.1% |
Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.
Loan mix and borrowers
By loan type
By purpose
Why United Community Bank denied purchase applications
First reason the lender reported for each denied home-purchase application.
Where United Community Bank lends
| State | Loans | Applications | Purchase denial rate | 30-yr rate* | Loan costs* |
|---|---|---|---|---|---|
| Illinois | 649 | 714 | 7.4% | 6.500% | $2,120 |
| Missouri | 56 | 61 | 8.0% | 6.625% | $2,360 |
| Iowa | 19 | 26 | 25.0% | — | — |
| Indiana | 5 | 5 | — | — | — |
| Kansas | 2 | 2 | — | — | — |
| Florida | 1 | 2 | — | — | — |
| Minnesota | 1 | 2 | — | — | — |
| Arizona | 1 | 1 | — | — | — |
| Michigan | 1 | 1 | — | — | — |
| Ohio | 1 | 1 | — | — | — |
| Wisconsin | 0 | 1 | — | — | — |
*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open United Community Bank's page for that state.
Counties where United Community Bank is a top lender
| County | Rank | Loans | Market share |
|---|---|---|---|
| Brown County, IL | 1 | 8 | 34.8% |
| Hancock County, IL | 1 | 39 | 30.0% |
| McDonough County, IL | 2 | 33 | 15.1% |
| Greene County, IL | 2 | 17 | 14.9% |
| Adams County, IL | 1 | 77 | 14.2% |
| Lewis County, MO | 3 | 9 | 11.7% |
| Clark County, MO | 2 | 3 | 11.5% |
| Pike County, IL | 1 | 7 | 10.1% |
| Macoupin County, IL | 1 | 50 | 9.6% |
| Schuyler County, IL | 3 | 5 | 9.3% |
| Lee County, IA | 3 | 18 | 9.1% |
| Sangamon County, IL | 3 | 184 | 7.0% |
| Marion County, IL | 5 | 19 | 5.9% |
| Henderson County, IL | 5 | 2 | 4.4% |
| Logan County, IL | 8 | 15 | 4.0% |
Check United Community Bank yourself
- FFIEC HMDA Data Browser — the official 2025 records filed under LEI 5493000XYE7QL54NMB52.
- NMLS Consumer Access — confirm the company and loan officer are licensed in your state.
- CFPB Consumer Complaint Database — search complaints by company name.
- Compare your Loan Estimate from United Community Bank with similar 2025 loans.
This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.
Lenders of similar size
Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology