United Community Bank in North Carolina vs the state
21.8%Denial rate+3.75 pts vs state
24.1%Decision denial rate+1.29 pts vs state
66.6%Origination rate+8.75 pts vs state
6.50%Median rate0.00 pts vs state
-0.52Rate spread (pts)-0.61 pts vs state
$120kMedian applicant income
1,511Loans originated
495Denied
Trend in North Carolina
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,181 | 1,355 | 22.4% | 7.13% | #38 |
| 2024 | 2,235 | 1,442 | 22.1% | 7.13% | #43 |
| 2025 | 2,270 | 1,511 | 21.8% | 6.50% | #45 |
What United Community Bank lends in North Carolina
By loan purpose
By loan type
Why it denied North Carolina applicants
Where in North Carolina
Counties with the most United Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henderson County | 208 | 148 | 39 | 18.8% |
| Wake County | 191 | 121 | 43 | 22.5% |
| Mecklenburg County | 153 | 96 | 39 | 25.5% |
| Johnston County | 138 | 103 | 24 | 17.4% |
| Cherokee County | 111 | 85 | 19 | 17.1% |
| Transylvania County | 104 | 77 | 18 | 17.3% |
| Jackson County | 103 | 56 | 33 | 32.0% |
| Avery County | 101 | 72 | 15 | 14.9% |
| Iredell County | 100 | 67 | 26 | 26.0% |
| Mitchell County | 94 | 58 | 23 | 24.5% |
Other large lenders in North Carolina
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| State Employees' | C | 47,893 | 25.2% | 6.25% |
| Rocket Mortgage | C | 25,109 | 16.0% | 6.63% |
| United Shore Financial Services | B | 18,884 | 11.4% | 6.13% |
| Vanderbilt Mortgage and Finance | F | 15,008 | 38.0% | 7.75% |
| Truist Bank | C | 14,364 | 30.3% | 6.50% |
| Movement Mortgage | A | 11,091 | 2.6% | 6.63% |
| Navy Federal Credit Union | D | 10,565 | 19.4% | 7.13% |
| First-Citizens Bank & Trust | B | 10,319 | 19.6% | 6.38% |
| Bank of America | F | 10,276 | 28.2% | 6.24% |
| Mortgage Research Center | C | 10,029 | 17.7% | 6.25% |
Frequently asked questions
North Carolina: 2,270 applications in 2025, of which 1,511 were originated and 495 denied.
21.8% of all applications, or 24.1% of the applications it actually decided on. The North Carolina statewide average across all lenders was 18.1%.
The median rate on loans United Community Bank originated in North Carolina in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are United Community Bank's own HMDA filing for properties located in North Carolina, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology