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United Community Bank
Bank|Greenville, SC|Multi-Region
Loans Originated
2,391
Applications
3,745
Volume
$832 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Sound
Safe Rate Awards⭐FHA Superstar⭐VA Superstar⭐USDA Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.405%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$2,309
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
63.8%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Particularly strong in Conventional and FHA and VA and Jumbo and USDA loans
Things to Think About
- Pricing may be below industry average
Report Card
United Community Bank performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Sound | Industry Standard | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Jumbo | Strong | Highly Competitive | |
USDA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Sound | Multi-Regional · 32 metro areas · 8 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$348,338
Average Borrower Income
$173,364
Average Property Value
$493,766
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Exceptional | Acceptable | Strong | 1,774 | 74.2% | +0.422% | $2,330 |
FHA Loans | Strong | Strong | Sound | Strong | 417 | 17.4% | +0.527% | $2,368 |
VA Loans | Strong | Strong | Strong | Strong | 89 | 3.7% | -0.490% | $1,757 |
Jumbo Loans | Acceptable | Strong | Mediocre | Sound | 66 | 2.8% | +0.322% | $2,022 |
USDA Loans | Strong | Strong | Strong | Strong | 45 | 1.9% | +0.016% | $2,074 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Sound | 2,008 | 84.0% | +0.384% | $2,332 |
Refinance | Sound | Strong | Acceptable | Sound | 383 | 16.0% | +0.491% | $2,212 |
Geographic Coverage
Metro Areas
31
States Served
8
We count Washington DC as a state
Avg Place Specialization
Sound
States with Loan Originations
ALFLGAKYNCSCTNVA
Top Metro Areas by Place Specialization Score
1
Rome, GA, GAMSA
Volume: 49Mix: 2.05%
Place Specialization
Exceptional
2
Cleveland, TN, TNMSA
Volume: 56Mix: 2.34%
Place Specialization
Exceptional
3
Atlanta, GAMSA
Volume: 368Mix: 15.39%
Place Specialization
Strong
4
Marietta, GA, GAMSA
Volume: 146Mix: 6.11%
Place Specialization
Strong
5
Raleigh, NCMSA
Volume: 174Mix: 7.28%
Place Specialization
Strong
6
Gainesville, GA, GAMSA
Volume: 44Mix: 1.84%
Place Specialization
Strong
7
Asheville, NC, NCMSA
Volume: 59Mix: 2.47%
Place Specialization
Strong
8
Tuscaloosa, AL, ALMSA
Volume: 81Mix: 3.39%
Place Specialization
Strong
9
Greenville, SCMSA
Volume: 71Mix: 2.97%
Place Specialization
Strong
10
Spartanburg, SC, SCMSA
Volume: 44Mix: 1.84%
Place Specialization
Strong
Showing 10 of 31 metro areas
Top States by Place Specialization Score
1
GAState
Volume: 1,000Mix: 41.82%
Place Specialization
Exceptional
2
NCState
Volume: 620Mix: 25.93%
Place Specialization
Strong
3
ALState
Volume: 205Mix: 8.57%
Place Specialization
Strong
4
SCState
Volume: 225Mix: 9.41%
Place Specialization
Strong
5
TNState
Volume: 264Mix: 11.04%
Place Specialization
Strong
6
FLState
Volume: 73Mix: 3.05%
Place Specialization
Sound
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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