United Community Bank
7,529 mortgages originated in 2025 across 6 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 7,529
- Median rate
- 6.500%
- Median lender fees
- $5,462
- Median loan amount
- $175,000
- Median spread over APOR
- -0.620
- Paid discount points
- 14.8%
- Received lender credits
- 10.8%
- Purchases / refinances
- 34.5% / 25.8%
- Conventional / FHA / VA
- 92.9% / 5.2% / 1.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 37.1% of loans here — see methodology.
Where United Community Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Georgia | 3,186 | $5,453 | 6.500% |
| North Carolina | 1,511 | $5,649 | 6.500% |
| Tennessee | 1,055 | $5,014 | 6.500% |
| South Carolina | 924 | $4,981 | 6.500% |
| Alabama | 476 | $6,102 | 6.500% |
| Florida | 369 | $7,716 | 6.500% |