United Community Bank
United Community Bank received 1,908 applications in 2025 and made 1,433 mortgages, in 125 counties across 17 states. The median rate its borrowers got was 6.750% on a median loan of $95,000. Of 1,616 decisions, 171 were denials — 10.6%, most often for credit history.
| Legal Entity Identifier | 5493000XYE7QL54NMB52 |
|---|---|
| Applications received | 1,908 |
| Mortgages made | 1,433 |
| Denied | 171 |
| Approved, not taken up | 12 |
| Withdrawn or incomplete | 292 |
| Loans bought from other lenders | 2 |
| Median rate spread over the prime offer rate | 0.269 points |
| FDIC-insured bank | Yes: United Community Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 786 | 6.625% | $135,000 | 6.9% |
| Refinancing | 213 | 6.750% | $75,000 | 8.5% |
| Cash-out refinancing | 39 | 6.500% | $95,000 | 18.8% |
| Other purposes | 395 | 6.750% | $35,000 | 17.2% |
Where United Community Bank lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sangamon County, IL | 424 | 6.625% | 9.0% |
| Madison County, IL | 148 | 6.750% | 8.0% |
| Adams County, IL | 147 | 6.750% | 16.4% |
| Macoupin County, IL | 116 | 6.750% | 9.2% |
| Hancock County, IL | 79 | 6.750% | 9.1% |
| McDonough County, IL | 70 | 6.750% | 9.1% |
| Lee County, IA | 30 | 6.313% | 13.9% |
| Greene County, IL | 25 | 6.625% | 19.4% |
| Logan County, IL | 24 | 6.625% | 0.0% |
| Marion County, IL | 22 | 6.500% | 12.0% |
| Pike County, IL | 21 | 6.875% | 19.2% |
| Christian County, IL | 20 | 6.500% | 0.0% |
| Livingston County, IL | 18 | 6.500% | 0.0% |
| Knox County, IL | 15 | 6.250% | 6.3% |
| Brown County, IL | 14 | 6.500% | 15.8% |
| Marion County, MO | 14 | 6.688% | 0.0% |
| Buchanan County, MO | 12 | 6.688% | 0.0% |
| Macon County, IL | 11 | 6.625% | 21.4% |
| Jersey County, IL | 10 | 6.750% | 16.7% |
| Menard County, IL | 10 | 6.688% | 9.1% |
| Lewis County, MO | 10 | 6.625% | 8.3% |
| McLean County, IL | 9 | Under 10 loans | 10.0% |
| Collier County, FL | 8 | Under 10 loans | 0.0% |
| Schuyler County, IL | 7 | Under 10 loans | 12.5% |
| Clark County, MO | 7 | Under 10 loans | 22.2% |
| Bureau County, IL | 6 | Under 10 loans | 33.3% |
| Fulton County, IL | 6 | Under 10 loans | 0.0% |
| Montgomery County, IL | 6 | Under 10 loans | 0.0% |
| St. Clair County, IL | 6 | Under 10 loans | 0.0% |
| St. Louis County, MO | 6 | Under 10 loans | 0.0% |
| Jackson County, IL | 5 | Under 10 loans | 0.0% |
| Tazewell County, IL | 5 | Under 10 loans | 28.6% |
| Camden County, MO | 5 | Under 10 loans | 0.0% |
| Monroe County, IL | 4 | Under 10 loans | 0.0% |
| Peoria County, IL | 4 | Under 10 loans | 0.0% |
| Scott County, IL | 4 | Under 10 loans | 0.0% |
| Warren County, IL | 4 | Under 10 loans | 0.0% |
| Jasper County, IN | 4 | Under 10 loans | 0.0% |
| Moniteau County, MO | 4 | Under 10 loans | 20.0% |
| St. Charles County, MO | 4 | Under 10 loans | 0.0% |
| St. Louis city, MO | 4 | Under 10 loans | 0.0% |
| Henderson County, IL | 3 | Under 10 loans | 0.0% |
| LaSalle County, IL | 3 | Under 10 loans | 0.0% |
| Morgan County, IL | 3 | Under 10 loans | 40.0% |
| Williamson County, IL | 3 | Under 10 loans | 25.0% |
| Woodford County, IL | 3 | Under 10 loans | 0.0% |
| DeKalb County, MO | 3 | Under 10 loans | 0.0% |
| Lee County, FL | 2 | Under 10 loans | 33.3% |
| Volusia County, FL | 2 | Under 10 loans | 0.0% |
| Cass County, IL | 2 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.