United Community Bank closing costs and rates (2024)
In 2024, United Community Bank originated 1,836 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $6,531. That ranks #240 nationally by origination volume. For total closing costs among lenders with 500+ originations, United Community Bank ranks #337. That is $210 below the national median of $6,741. United Community Bank is most active in Georgia with 742 originations there.
Purchase Originations
1,836
Ranked #240 nationally
Median Total Costs
$6,531
−3.1% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$1,868
Median Lender Credits
$344
Cost Rank (500+ vol.)
#337
among lenders with 500+ originations
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,278 | 7.000% | $5,771 | $1,820 |
| fha | 430 | 6.500% | $9,869 | $2,211 |
| va | 81 | 6.250% | $6,270 | $1,399 |
| usda | 47 | 6.375% | $6,716 | $1,596 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 742 | 7.000% | $6,762 | #38 |
| North Carolina | 468 | 6.750% | $6,269 | #53 |
| Tennessee | 226 | 6.625% | $6,401 | #67 |
| Alabama | 180 | 6.500% | $6,701 | #54 |
| South Carolina | 171 | 6.625% | $6,163 | #83 |
| Florida | 46 | 6.625% | $7,206 | — |
| Virginia | 2 | 5.812% | $5,320 | — |
| Kentucky | 1 | 6.000% | $6,492 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $5,285 | 6.875% | — | 39 | −$1,246 | |
| 2 | $5,366 | 6.875% | — | 42 | −$1,165 | |
| 3 | $5,508 | 6.625% | — | 29 | −$1,023 | |
| 4 | $5,580 | 6.938% | — | 30 | −$951 | |
| 5 | $5,744 | 6.875% | — | 26 | −$787 | |
| 6 | $5,871 | 6.625% | — | 89 | −$660 | |
| 7 | $5,888 | 7.125% | — | 38 | −$643 | |
| 8 | $6,368 | 6.500% | — | 31 | −$163 | |
| 9 | $6,489 | 7.000% | — | 49 | −$42 | |
| 10 | $6,609 | 7.125% | — | 27 | +$78 | |
| 11 | $6,743 | 7.500% | — | 28 | +$212 | |
| 12 | $6,808 | 6.688% | — | 48 | +$277 | |
| 13 | $6,937 | 6.500% | — | 77 | +$406 | |
| 14 | $7,078 | 6.938% | — | 30 | +$547 | |
| 15 | $7,257 | 7.000% | — | 28 | +$726 | |
| 16 | $7,894 | 6.438% | — | 28 | +$1,363 | |
| 17 | $7,948 | 7.125% | — | 30 | +$1,417 | |
| 18 | $7,992 | 6.625% | — | 24 | +$1,461 | |
| 19 | $8,026 | 6.500% | — | 62 | +$1,495 | |
| 20 | $9,141 | 6.500% | — | 33 | +$2,610 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.