Lenders › United Community Bank › Georgia
United Community Bank in Georgia
HMDA record for properties in Georgia, calendar year 2024. National record · Georgia overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
United Community Bank's 2024 HMDA record for Georgia covers 4,529 applications, 2,923 of them originated, worth $641m.
Its denial rate in the state was 27.0%, close to the Georgia rate of 26.9% across all lenders and compared with the lender's national rate of 26.8%.
The median rate spread on its Georgia originations was -0.1 percentage points (state median 0.4).
Applications in the state were about level with 2023.
Compared with the state and the lender's national record
| Measure | In Georgia | Georgia, all lenders | United Community Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 27.0% | 26.9% | 26.8% | 24.3% |
| Median rate spread, pp | -0.1 | 0.4 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 9.7% | 17.5% | 8.0% | 15.6% |
| Average originated loan | $219k | $313k | $245k | $329k |
| Home purchase share | 33.8% | 57.0% | 38.0% | 57.0% |
| FHA-insured share | 6.1% | 18.3% | 6.9% | 13.4% |
| VA-guaranteed share | 0.6% | 11.6% | 1.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateGeorgia, all lenders
Loan purpose and loan type in Georgia
By purpose
Home purchase 34% (989)Home improvement 29% (856)Refinancing 19% (569)Cash-out refinancing 3% (92)Other purpose 14% (417)
By type
Conventional 93% (2,716)FHA 6% (178)VA 1% (17)USDA 0% (12)
Denial reasons as coded
Share of 1,117 denials in Georgia by first denial reason coded (outlined bar: all lenders in the state).
Counties in Georgia
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Hall County | 252 | 170 | $34m | 27.0% |
| Gilmer County | 231 | 155 | $32m | 21.3% |
| Fannin County | 212 | 153 | $36m | 20.6% |
| Union County | 203 | 146 | $26m | 20.5% |
| Fulton County | 235 | 141 | $46m | 28.6% |
| Cobb County | 213 | 131 | $39m | 27.4% |
| Chattooga County | 166 | 115 | $13m | 23.9% |
| White County | 142 | 109 | $18m | 17.8% |
| Floyd County | 154 | 108 | $21m | 21.1% |
| Forsyth County | 162 | 96 | $22m | 33.5% |
| Gwinnett County | 149 | 91 | $21m | 28.7% |
| Cherokee County | 151 | 89 | $25m | 31.9% |
| Bartow County | 119 | 84 | $17m | 24.1% |
| Habersham County | 119 | 81 | $13m | 25.7% |
| Carroll County | 115 | 75 | $18m | 27.6% |
| Pickens County | 121 | 73 | $13m | 27.7% |
| DeKalb County | 116 | 72 | $21m | 28.8% |
| Lumpkin County | 114 | 71 | $13m | 32.4% |
| Chatham County | 105 | 70 | $25m | 30.7% |
| Towns County | 88 | 65 | $12m | 19.8% |
| Glynn County | 106 | 64 | $13m | 29.2% |
| Paulding County | 94 | 64 | $15m | 27.3% |
| Dawson County | 96 | 60 | $9.5m | 28.4% |
| Rabun County | 94 | 58 | $13m | 21.2% |
| Coweta County | 76 | 43 | $8.2m | 35.7% |
| Jackson County | 72 | 42 | $7.9m | 32.8% |
| Banks County | 66 | 37 | $5.2m | 38.7% |
| Clayton County | 64 | 33 | $7.8m | 34.6% |
| Walton County | 47 | 30 | $7.1m | 31.8% |
| Fayette County | 41 | 30 | $7.0m | 23.1% |
| Douglas County | 43 | 27 | $6.8m | 28.2% |
| Newton County | 39 | 26 | $3.6m | 25.0% |
| Rockdale County | 54 | 25 | $3.9m | 44.7% |
| Henry County | 54 | 22 | $4.9m | 47.8% |
| Clarke County | 31 | 17 | $3.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Community Bank originate in Georgia in 2024?
2,923 loans totalling $641m, from 4,529 applications reported for properties in Georgia.
What is United Community Bank's denial rate in Georgia?
27.0% of decided applications in Georgia were denied, against 26.9% for all lenders in the state and 26.8% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Georgia counties does United Community Bank lend in most?
By originations: Hall County (170), Gilmer County (155), Fannin County (153), Union County (146), Fulton County (141).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Georgia. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.