Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$4,510
median across reports
vs. National Average
34%
above national avg
Avg Origination Charge
$1,893
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| Origination Fee | $1,893 | $1,553 | 🔴 Above Avg |
| discount_points | $1,873 | $2,425 | 🟢 Below Avg |
| lender_credits | $584 | $443 | 🔴 Above Avg |
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Based on 3,848 homebuyer-submitted Closing Disclosures, United Community Bank's median total closing costs are $4,510. This is about 34% above the $3,356 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
Benchmark your costs against the state average.
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Aggregates from United Community Bank's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
1,851
Ranked #242 nationally
Median Total Costs
$6,358
−4.8% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
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 |
| This lender | Georgia median | National median | |
|---|---|---|---|
| Total Closing Costs | $6,323 | $8,007 | $6,680 |
| Interest Rate | 6.750% | 6.380% | 6.490% |
| Originations in state | 728 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
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%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.
| 5.500% |
| $13,090 |
| — |