# United Community Bank

> **Canonical URL:** https://saferate.com/lenders/united-community-bank-il


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


United Community Bank is a bank, headquartered in Chatham, IL, serving borrowers across 9 states, with 733 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 16% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 27% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493000XYE7QL54NMB52
- **Headquarters:** Chatham, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 9
- **State List:** AL, CT, FL, IA, IL, IN, KS, MO, NY
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 87.6%
- **Brokered/Wholesale:** 12.4%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.131%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $129
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 733
- **Dollar Volume:** $118 million
- **Applications Received:** 1,025
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $160,321
- **Average Borrower Income:** $111,003
- **Average Property Value:** $227,046

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 647 | +0.103% | $65 | Strong 😀 |
| FHA | 58/100 | 45 | +0.560% | $900 | Sound ☺️ |
| USDA | 78/100 | 30 | +0.189% | $0 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 470 loans, Score: 73/100 (Strong)
- Refinance: 177 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 40 loans, Score: 57/100 (Sound)

**USDA:**
- Purchase: 30 loans, Score: 78/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 72/100 | 549 | $88M | +0.099% | Strong 😀 |
| Refinance | 76/100 | 184 | $29M | +0.231% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IL | 649 | 0.52% | 85/100 |
| MO | 55 | 0.07% | 56/100 |
| IA | 14 | 0.04% | 43/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 353 | 71/100 |
| Springfield, IL | IL | 196 | 88/100 |
| St. Louis, MO | MO-IL | 137 | 73/100 |
| St. Joseph, MO | MO-KS | 13 | 49/100 |

## Where This Lender Ranks

United Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Springfield, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Illinois Banks
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks)
- 🥉 **#3** in Springfield, IL
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders)
- 🥉 **#3** in Springfield, IL Banks
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/banks)
- 🥉 **#3** in Springfield, IL for Conventional Loans
  - [View Full Rankings](https://saferate.com/springfield-il/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in St. Joseph, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Illinois for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#5** in Illinois
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders)
- 🏆 **#5** in St. Louis, MO for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#6** in Illinois for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#6** in St. Joseph, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/st-joseph-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in Illinois for Conventional Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/conventional-loans)
- 🏆 **#9** in Illinois for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/va-loans)
- 🏆 **#9** in St. Louis, MO Banks
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks)
- 🏆 **#9** in St. Louis, MO for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#9** in St. Louis, MO for USDA Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/usda-loans)
- 🏆 **#10** in Illinois for USDA Loans
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/usda-loans)
- 🏆 **#11** in St. Louis, MO
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders)
- 🏆 **#12** in St. Louis, MO for Conventional Loans
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/conventional-loans)
- 🏆 **#17** in Illinois for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/illinois/best-mortgage-lenders/banks/fha-loans)

## Frequently Asked Questions

### What loan types does United Community Bank offer?

United Community Bank offers the following mortgage loan types: FHA, Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does United Community Bank offer mortgages?

United Community Bank offers mortgages in 9 states: AL, CT, FL, IA, IL, IN, KS, MO, NY.

### How competitive are United Community Bank's mortgage rates?

United Community Bank has a pricing score of 84/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.131% above market average.

### What type of lender is United Community Bank?

United Community Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Chatham, IL.

### What is United Community Bank's loan approval success rate?

United Community Bank has a pull-through score of 73/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/united-community-bank-il

### How to Cite

> "United Community Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-community-bank-il

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**[View Interactive Profile →](https://saferate.com/lenders/united-community-bank-il)**