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United Community Bank
10,368
2024 HMDA records
133
Counties (detailed data)
Source: 2024 HMDA filings, CFPB. LEI T68X8LLAQYRNDV034K14.
County-level lending, 2024
| County | Originations | Median rate | Denial rate | Volume |
|---|---|---|---|---|
| Wake County, NC | 175 | 6.750% | 14.8% | $57,685,000 |
| Hall County, GA | 170 | 7.750% | 25.4% | $34,400,000 |
| Gilmer County, GA | 155 | 7.750% | 19.0% | $31,765,000 |
| Fannin County, GA | 153 | 7.750% | 19.3% | $36,485,000 |
| Union County, GA | 146 | 7.745% | 19.7% | $26,440,000 |
| Fulton County, GA | 141 | 6.750% | 24.7% | $45,915,000 |
| Cobb County, GA | 131 | 7.125% | 23.9% | $38,755,000 |
| Johnston County, NC | 119 | 6.875% | 20.6% | $24,415,000 |
| Chattooga County, GA | 115 | 7.600% | 22.3% | $13,285,000 |
| White County, GA | 109 | 7.750% | 16.9% | $17,895,000 |
| Floyd County, GA | 108 | 7.125% | 19.5% | $20,520,000 |
| Tuscaloosa County, AL | 106 | 6.625% | 19.4% | $24,250,000 |
| Henderson County, NC | 102 | 7.312% | 20.3% | $28,320,000 |
| Forsyth County, GA | 96 | 7.750% | 32.7% | $21,640,000 |
| Gwinnett County, GA | 91 | 6.990% | 26.2% | $21,255,000 |
| Cherokee County, NC | 89 | 7.375% | 16.0% | $13,265,000 |
| Cherokee County, GA | 89 | 7.750% | 29.1% | $24,765,000 |
| Mecklenburg County, NC | 87 | 6.875% | 21.9% | $25,525,000 |
| Bartow County, GA | 84 | 7.912% | 22.7% | $17,330,000 |
| Habersham County, GA | 81 | 7.625% | 23.5% | $12,935,000 |
| Transylvania County, NC | 77 | 7.375% | 24.8% | $20,645,000 |
| Carroll County, GA | 75 | 7.500% | 25.2% | $17,645,000 |
| Pickens County, GA | 73 | 7.375% | 23.1% | $13,225,000 |
| DeKalb County, GA | 72 | 6.875% | 25.9% | $21,150,000 |
| Lumpkin County, GA | 71 | 7.875% | 30.7% | $13,445,000 |
| Avery County, NC | 71 | 7.375% | 22.8% | $16,155,000 |
| Chatham County, GA | 70 | 7.846% | 29.5% | $25,450,000 |
| Towns County, GA | 65 | 7.750% | 19.3% | $11,825,000 |
| Glynn County, GA | 64 | 7.188% | 26.4% | $12,950,000 |
| Paulding County, GA | 64 | 7.750% | 25.5% | $15,130,000 |
| Dawson County, GA | 60 | 7.745% | 26.0% | $9,480,000 |
| Mitchell County, NC | 60 | 7.500% | 20.6% | $10,000,000 |
| Madison County, AL | 59 | 7.250% | 19.6% | $12,715,000 |
| Rabun County, GA | 58 | 7.625% | 19.1% | $12,560,000 |
| Lauderdale County, AL | 53 | 7.375% | 23.0% | $10,785,000 |
| Jefferson County, AL | 46 | 6.750% | 12.9% | $8,380,000 |
| Macon County, NC | 45 | 7.750% | 35.1% | $7,455,000 |
| Morgan County, AL | 44 | 6.857% | 13.7% | $8,430,000 |
| Coweta County, GA | 43 | 8.000% | 32.9% | $8,155,000 |
| Jackson County, NC | 42 | 7.745% | 30.3% | $11,010,000 |
| Jackson County, GA | 42 | 7.715% | 29.2% | $7,910,000 |
| Clay County, NC | 42 | 7.750% | 24.6% | $5,490,000 |
| Walton County, FL | 41 | 7.750% | 25.8% | $19,445,000 |
| Yancey County, NC | 38 | 7.750% | 20.5% | $8,150,000 |
| Banks County, GA | 37 | 7.540% | 36.4% | $5,215,000 |
| Iredell County, NC | 34 | 7.750% | 32.8% | $7,630,000 |
| Clayton County, GA | 33 | 7.000% | 28.1% | $7,815,000 |
| Graham County, NC | 32 | 7.750% | 27.1% | $3,640,000 |
| Haywood County, NC | 32 | 7.870% | 19.1% | $5,400,000 |
| Walton County, GA | 30 | 7.875% | 29.8% | $7,080,000 |
| Fayette County, GA | 30 | 7.250% | 22.0% | $7,000,000 |
| Buncombe County, NC | 28 | 7.750% | 22.0% | $6,740,000 |
| Orange County, FL | 28 | 7.125% | 18.4% | $15,540,000 |
| Baldwin County, AL | 27 | 6.750% | 32.6% | $7,545,000 |
| Harnett County, NC | 27 | 6.625% | 20.0% | $5,285,000 |
| Swain County, NC | 27 | 7.750% | 35.8% | $4,845,000 |
| Douglas County, GA | 27 | 7.750% | 25.6% | $6,765,000 |
| Newton County, GA | 26 | 7.625% | 23.1% | $3,590,000 |
| Rockdale County, GA | 25 | 7.125% | 38.9% | $3,865,000 |
| Durham County, NC | 25 | 7.000% | 10.3% | $6,005,000 |
| Colbert County, AL | 22 | 7.500% | 10.7% | $9,220,000 |
| Watauga County, NC | 22 | 7.438% | 12.1% | $7,210,000 |
| Henry County, GA | 22 | 7.000% | 40.7% | $4,930,000 |
| Miami-Dade County, FL | 18 | 7.750% | 59.3% | $9,270,000 |
| Palm Beach County, FL | 18 | 6.938% | 30.0% | $9,460,000 |
| New Hanover County, NC | 17 | 7.500% | 12.5% | $3,405,000 |
| Clarke County, GA | 17 | 7.500% | 12.9% | $3,175,000 |
| Gordon County, GA | 17 | 7.030% | 13.6% | $4,575,000 |
| Broward County, FL | 17 | 7.500% | 25.0% | $22,185,000 |
| Barrow County, GA | 16 | 7.125% | 19.0% | $3,090,000 |
| St. Johns County, FL | 15 | 6.750% | 23.8% | $13,655,000 |
| Oconee County, GA | 15 | 7.750% | 25.0% | $3,535,000 |
| Sarasota County, FL | 15 | 7.125% | 16.7% | $4,395,000 |
| Stephens County, GA | 14 | 6.995% | 20.0% | $3,400,000 |
| Madison County, GA | 14 | 8.000% | 37.5% | $1,660,000 |
| Polk County, GA | 13 | 7.625% | 21.1% | $5,155,000 |
| Haralson County, GA | 12 | 7.975% | 25.0% | $3,080,000 |
| Duplin County, NC | 12 | 6.312% | 26.3% | $1,070,000 |
| Union County, NC | 12 | 6.625% | 29.2% | $3,700,000 |
| Walker County, GA | 12 | 7.312% | 5.9% | $4,450,000 |
| Shelby County, AL | 11 | 6.750% | 11.1% | $1,825,000 |
| Seminole County, FL | 10 | 7.537% | 20.0% | $9,650,000 |
| Wayne County, NC | 10 | 6.812% | 36.8% | $2,580,000 |
| Cherokee County, AL | 10 | 7.812% | 14.3% | $3,540,000 |
| Polk County, NC | 10 | 7.188% | 0.0% | $2,210,000 |
| Guilford County, NC | 10 | 6.750% | 31.3% | $5,420,000 |
| Cumberland County, NC | 10 | 6.625% | 23.1% | $4,850,000 |
| Effingham County, GA | 10 | 8.000% | 28.6% | $1,470,000 |
| Burke County, NC | 10 | 7.625% | 20.0% | $2,390,000 |
| Franklin County, GA | 9 | 7.125% | 0.0% | $1,705,000 |
| Cabarrus County, NC | 9 | 7.750% | 35.7% | $1,925,000 |
| Franklin County, NC | 9 | 6.625% | 26.7% | $2,795,000 |
| Okaloosa County, FL | 8 | 6.812% | 52.6% | $2,780,000 |
| Duval County, FL | 8 | 6.438% | 20.0% | $2,580,000 |
| Columbus County, NC | 8 | 7.990% | 25.0% | $750,000 |
| Mobile County, AL | 8 | 7.000% | 35.7% | $2,510,000 |
| Forsyth County, NC | 8 | 6.562% | 0.0% | $1,780,000 |
| Carteret County, NC | 8 | 6.812% | 27.3% | $3,970,000 |
| Pinellas County, FL | 8 | 7.000% | 20.0% | $3,550,000 |
| Rutherford County, NC | 7 | 7.125% | 14.3% | $1,745,000 |
| Rowan County, NC | 7 | 6.750% | 12.5% | $3,155,000 |
| Chatham County, NC | 7 | 7.125% | 30.0% | $3,355,000 |
| Bay County, FL | 7 | 7.590% | 42.9% | $3,045,000 |
| Hillsborough County, FL | 7 | 7.125% | 35.7% | $3,355,000 |
| Sampson County, NC | 7 | 6.750% | 28.6% | $2,025,000 |
| Nash County, NC | 7 | 6.625% | 23.1% | $1,535,000 |
| Camden County, GA | 7 | 7.125% | 0.0% | $3,065,000 |
| Ware County, GA | 7 | 8.125% | 10.0% | $555,000 |
| Wilson County, NC | 6 | 6.438% | 0.0% | $1,090,000 |
| Brunswick County, NC | 6 | 6.808% | 30.0% | $1,780,000 |
| Bibb County, AL | 6 | 6.875% | 12.5% | $710,000 |
| Polk County, FL | 6 | 6.812% | 15.4% | $1,990,000 |
| McDowell County, NC | 6 | 7.062% | 31.6% | $2,850,000 |
| Spalding County, GA | 6 | 6.562% | 14.3% | $1,120,000 |
| Pitt County, NC | 6 | 6.938% | 14.3% | $690,000 |
| Lake County, FL | 5 | 7.750% | 33.3% | $1,015,000 |
| Manatee County, FL | 5 | 7.125% | 30.8% | $1,855,000 |
| Whitfield County, GA | 5 | 7.500% | 50.0% | $835,000 |
| Orange County, NC | 5 | 7.250% | 12.5% | $1,975,000 |
| Pender County, NC | 5 | 8.250% | 50.0% | $1,385,000 |
| Alamance County, NC | 5 | 6.250% | 0.0% | $1,005,000 |
| Jasper County, GA | 5 | 7.750% | 43.8% | $665,000 |
| Heard County, GA | 5 | 7.875% | 25.0% | $1,955,000 |
| Granville County, NC | 5 | 6.875% | 0.0% | $1,245,000 |
| Gaston County, NC | 5 | 6.625% | 20.0% | $885,000 |
| Randolph County, AL | 5 | 7.625% | 0.0% | $2,015,000 |
| Hart County, GA | 5 | 6.750% | 37.5% | $1,495,000 |
| Liberty County, GA | 5 | 8.000% | 40.0% | $1,455,000 |
| Limestone County, AL | 5 | 6.500% | 11.1% | $1,005,000 |
| Morgan County, GA | 5 | 7.000% | 33.3% | $1,805,000 |
| Oglethorpe County, GA | 5 | 6.490% | 0.0% | $845,000 |
| Collier County, FL | 5 | 7.500% | 0.0% | $1,275,000 |
| Brevard County, FL | 5 | 7.000% | 18.2% | $845,000 |
Consumer complaints on record
39 mortgage-related complaints about United Community Bank appear in the CFPB Consumer Complaint Database. Most common issues:
| Issue | Complaints |
|---|---|
| Trouble during payment process | 18 |
| Applying for a mortgage or refinancing an existing mortgage | 10 |
| Closing on a mortgage | 7 |
| Struggling to pay mortgage | 2 |
| Problem with a company's investigation into an existing problem | 1 |
| Incorrect information on your report | 1 |
Source: CFPB Consumer Complaint Database (mortgage products). Complaints are consumer-submitted and unverified; volume correlates with company size.
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