Lenders › United Community Bank › Tennessee
United Community Bank in Tennessee
HMDA record for properties in Tennessee, calendar year 2024. National record · Tennessee 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 Tennessee covers 1,188 applications, 730 of them originated, worth $164m.
Its denial rate in the state was 29.4%, above the Tennessee rate of 22.6% across all lenders and compared with the lender's national rate of 26.8%.
The median rate spread on its Tennessee originations was -0.1 percentage points (state median 0.3).
Applications in the state were down 7% on 2023.
Compared with the state and the lender's national record
| Measure | In Tennessee | Tennessee, all lenders | United Community Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 29.4% | 22.6% | 26.8% | 24.3% |
| Median rate spread, pp | -0.1 | 0.3 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 10.5% | 14.7% | 8.0% | 15.6% |
| Average originated loan | $225k | $302k | $245k | $329k |
| Home purchase share | 40.1% | 55.5% | 38.0% | 57.0% |
| FHA-insured share | 10.0% | 15.5% | 6.9% | 13.4% |
| VA-guaranteed share | 2.3% | 10.0% | 1.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateTennessee, all lenders
Loan purpose and loan type in Tennessee
By purpose
Home purchase 40% (293)Home improvement 19% (140)Refinancing 25% (179)Cash-out refinancing 3% (21)Other purpose 13% (97)
By type
Conventional 87% (632)FHA 10% (73)VA 2% (17)USDA 1% (8)
Denial reasons as coded
Share of 314 denials in Tennessee by first denial reason coded (outlined bar: all lenders in the state).
Counties in Tennessee
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Bradley County | 127 | 87 | $17m | 20.0% |
| Loudon County | 112 | 66 | $17m | 31.4% |
| Davidson County | 113 | 65 | $23m | 27.7% |
| Maury County | 107 | 63 | $10m | 33.3% |
| Montgomery County | 91 | 53 | $10m | 36.5% |
| Cheatham County | 67 | 46 | $5.2m | 30.3% |
| Knox County | 63 | 40 | $9.8m | 27.3% |
| Williamson County | 51 | 36 | $11m | 26.0% |
| Sumner County | 51 | 33 | $8.8m | 28.3% |
| Robertson County | 54 | 32 | $4.4m | 35.3% |
| Hamilton County | 44 | 27 | $8.7m | 24.3% |
| Roane County | 38 | 20 | $3.9m | 36.4% |
| Polk County | 27 | 16 | $3.1m | — |
| Rutherford County | 26 | 10 | $2.7m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did United Community Bank originate in Tennessee in 2024?
730 loans totalling $164m, from 1,188 applications reported for properties in Tennessee.
What is United Community Bank's denial rate in Tennessee?
29.4% of decided applications in Tennessee were denied, against 22.6% 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 Tennessee counties does United Community Bank lend in most?
By originations: Bradley County (87), Loudon County (66), Davidson County (65), Maury County (63), Montgomery County (53).
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 Tennessee. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.