Purchase Originations
1,851
Ranked #242 nationally
Median Total Costs
$6,358
−4.8% vs national ($6,680)
↓ $173 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,820
Median Lender Credits
$250
Cost Rank (500+ vol.)
#313
among lenders with 500+ originations
Denial Rate
15.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 1,348 | 6.750% | $5,652 | $1,820 |
| fha | 367 | 6.250% | $9,799 | $2,228 |
| va | 85 | 6.125% | $4,602 | $1,399 |
| usda | 51 | 6.250% | $6,876 | $1,399 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 728 | 6.750% | $6,323 | #35 |
| North Carolina | 372 | 6.625% | $6,260 | #66 |
| Tennessee | 280 | 6.500% | $6,578 | #59 |
| Alabama | 207 | 6.250% | $6,736 | #54 |
| South Carolina | 189 | 6.500% | $6,066 | #82 |
| Florida | 74 | 6.500% | $8,178 | #265 |
| Kentucky | 1 | 5.500% | $13,090 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,767 | 6.750% | — | 26 | −$1,591 | |
| 2 | $5,614 | 7.125% | — | 30 | −$744 | |
| 3 | $5,722 | 6.625% | — | 46 | −$636 | |
| 4 | $5,726 | 6.625% | — | 46 | −$632 | |
| 5 | $5,727 | 6.938% | — | 30 | −$631 | |
| 6 | $5,731 | 6.875% | — | 33 | −$627 | |
| 7 | $5,825 | 6.750% | — | 43 | −$533 | |
| 8 | $5,841 | 6.500% | — | 44 | −$517 | |
| 9 | $5,978 | 6.562% | — | 38 | −$380 | |
| 10 | $6,054 | 6.500% | — | 46 | −$304 | |
| 11 | $6,105 | 6.875% | — | 27 | −$253 | |
| 12 | $6,292 | 6.562% | — | 24 | −$66 | |
| 13 | $6,329 | 6.500% | — | 26 | −$29 | |
| 14 | $6,507 | 6.750% | — | 28 | +$149 | |
| 15 | $6,773 | 6.500% | — | 25 | +$415 | |
| 16 | $7,237 | 6.125% | — | 85 | +$879 | |
| 17 | $7,363 | 6.375% | — | 31 | +$1,005 | |
| 18 | $7,458 | 6.625% | — | 27 | +$1,100 | |
| 19 | $7,719 | 6.375% | — | 45 | +$1,361 | |
| 20 | $8,034 | 6.250% | — | 28 | +$1,676 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | United Community Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $6,358 | $7,127 | −$769 (−10.8%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, 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.