United Community Bank in Georgia vs the state
23.0%Denial rate+3.74 pts vs state
25.0%Decision denial rate-0.06 pts vs state
66.7%Origination rate+12.65 pts vs state
6.50%Median rate-0.13 pts vs state
-0.65Rate spread (pts)-0.92 pts vs state
$114kMedian applicant income
3,186Loans originated
1,096Denied
Trend in Georgia
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,627 | 2,872 | 24.5% | 7.25% | #20 |
| 2024 | 4,529 | 2,923 | 24.7% | 7.63% | #21 |
| 2025 | 4,774 | 3,186 | 23.0% | 6.50% | #21 |
What United Community Bank lends in Georgia
By loan purpose
By loan type
Why it denied Georgia applicants
Where in Georgia
Counties with the most United Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Fannin County | 256 | 180 | 52 | 20.3% |
| Gilmer County | 247 | 189 | 40 | 16.2% |
| Union County | 233 | 163 | 47 | 20.2% |
| Hall County | 232 | 177 | 35 | 15.1% |
| Floyd County | 228 | 160 | 34 | 14.9% |
| Fulton County | 227 | 128 | 62 | 27.3% |
| Cobb County | 218 | 154 | 45 | 20.6% |
| White County | 197 | 143 | 33 | 16.8% |
| Cherokee County | 167 | 117 | 31 | 18.6% |
| Gwinnett County | 153 | 94 | 45 | 29.4% |
Other large lenders in Georgia
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 29,845 | 18.2% | 6.63% |
| United Shore Financial Services | B | 23,784 | 12.6% | 6.25% |
| Navy Federal Credit Union | D | 12,388 | 26.4% | 7.95% |
| Truist Bank | C | 10,563 | 38.7% | 6.49% |
| Pennymac Loan Services | C | 10,273 | 11.6% | 6.49% |
| Broker Solutions | D | 9,709 | 8.6% | 6.63% |
| Mortgage Research Center | C | 9,443 | 19.8% | 6.25% |
| Freedom Mortgage | B | 9,293 | 9.1% | 6.25% |
| Bank of America | F | 9,168 | 36.5% | 6.24% |
| Ameris Bank | B | 8,065 | 10.1% | 6.50% |
Frequently asked questions
Georgia: 4,774 applications in 2025, of which 3,186 were originated and 1,096 denied.
23.0% of all applications, or 25.0% of the applications it actually decided on. The Georgia statewide average across all lenders was 19.2%.
The median rate on loans United Community Bank originated in Georgia in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are United Community Bank's own HMDA filing for properties located in Georgia, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology