# United Community Bank

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


> **📋 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 Greenville, SC, serving borrowers across 8 states, with 2,391 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 63% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** T68X8LLAQYRNDV034K14
- **Headquarters:** Greenville, SC
- **Geographic Reach:** Multi-Region
- **States Served:** 8
- **State List:** AL, FL, GA, KY, NC, SC, TN, VA
- **Markets (MSAs):** 32
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.405%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $2,309
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 2,391
- **Dollar Volume:** $833 million
- **Applications Received:** 3,745
- **Market Share:** 7.00%

## Typical Borrower Profile

- **Average Loan Amount:** $348,338
- **Average Borrower Income:** $173,364
- **Average Property Value:** $493,766

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (62%)
- ⭐ **FHA Gold Superstar** (63%)
- ⭐ **VA Gold Superstar** (70%)
- ⭐ **USDA Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 80/100 | 1,774 | +0.422% | $2,330 | Exceptional 🤩 |
| FHA | 77/100 | 417 | +0.527% | $2,368 | Strong 😀 |
| VA | 73/100 | 89 | -0.490% | $1,757 | Strong 😀 |
| Jumbo | 74/100 | 66 | +0.322% | $2,022 | Strong 😀 |
| USDA | 80/100 | 45 | +0.016% | $2,074 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,436 loans, Score: 80/100 (Strong)
- Refinance: 338 loans, Score: 74/100 (Strong)

**FHA:**
- Purchase: 398 loans, Score: 77/100 (Strong)

**VA:**
- Purchase: 81 loans, Score: 70/100 (Strong)

**Jumbo:**
- Purchase: 48 loans, Score: 74/100 (Strong)

**USDA:**
- Purchase: 45 loans, Score: 80/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 78/100 | 2,008 | $714M | +0.384% | Strong 😀 |
| Refinance | 72/100 | 383 | $119M | +0.491% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| GA | 1,000 | 0.72% | 85/100 |
| NC | 620 | 0.42% | 77/100 |
| TN | 264 | 0.29% | 72/100 |
| SC | 225 | 0.28% | 73/100 |
| AL | 205 | 0.34% | 73/100 |
| FL | 73 | 0.02% | 50/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 652 | 74/100 |
| Atlanta | GA | 368 | 79/100 |
| Raleigh | NC | 174 | 76/100 |
| Marietta, GA | GA | 146 | 76/100 |
| Nashville | TN | 81 | 64/100 |
| Tuscaloosa, AL | AL | 81 | 69/100 |
| Greenville | SC | 71 | 68/100 |
| Asheville, NC | NC | 59 | 71/100 |
| Cleveland, TN | TN | 56 | 82/100 |
| Charleston | SC | 54 | 63/100 |
| Charlotte | NC-SC | 54 | 58/100 |
| Knoxville, TN | TN | 51 | 58/100 |
| Rome, GA | GA | 49 | 83/100 |
| Gainesville, GA | GA | 44 | 72/100 |
| Spartanburg, SC | SC | 44 | 65/100 |

## Where This Lender Ranks

United Community Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Tuscaloosa, AL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Tuscaloosa, AL for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Brunswick for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/brunswick/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Atlanta for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/atlanta/best-mortgage-lenders/banks/usda-loans)
- 🥈 **#2** in Tuscaloosa, AL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Tuscaloosa, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/usda-loans)
- 🥈 **#2** in Cleveland, TN for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Rome, GA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rome-ga/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Georgia for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/banks/usda-loans)
- 🥉 **#3** in Tuscaloosa, AL for VA Loans
  - [View Full Rankings](https://saferate.com/tuscaloosa-al/best-mortgage-lenders/va-loans)
- 🥉 **#3** in Gainesville, GA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/gainesville-ga/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in North Carolina for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/north-carolina/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#4** in South Carolina for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/south-carolina/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#4** in Cleveland, TN for FHA Loans
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/fha-loans)
- 🏆 **#4** in Knoxville, TN for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/knoxville-tn/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Georgia for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/georgia/best-mortgage-lenders/banks/va-loans)
- 🏆 **#5** in Tennessee for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/tennessee/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#5** in Alabama for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#5** in Cleveland, TN for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cleveland-tn/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Rome, GA Banks
  - [View Full Rankings](https://saferate.com/rome-ga/best-mortgage-lenders/banks)

## Frequently Asked Questions

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

United Community Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, 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 8 states: AL, FL, GA, KY, NC, SC, TN, VA.

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

United Community Bank has a pricing score of 37/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.405% 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 Greenville, SC.

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

United Community Bank has a pull-through score of 53/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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-sc

### How to Cite

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

---

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