United Community Bank Mortgage Lending & HMDA Data, 2021
In 2021, United Community Bank of Greenville, SC reported 15,742 mortgage applications totaling $4.3 billion, down 7% from 2020. The average application was for $275,523, and applicants reported an average income of $145,752. 70% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Atlanta-Sandy Springs-Roswell, GA (3,581), Greenville-Anderson-Mauldin, SC (1,002) and Raleigh, NC (794) (applications in parentheses).
| Mortgage Company & Address | United Community Bank Po Box 398 Greenville, SC 29601 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 |
| Total Number of Mortgage Applications | 15,742 |
| Total Mortgage Loan Application Amount | $4,337,290,000 |
| Average Mortgage Loan Application Amount | $275,523 |
| Highest Mortgage Loan Application Amount | $33,005,000 |
| Average Applicant Income | $145,752 |
| Highest Applicant Income | $7,257,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records United Community Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Outside any metro area | 4,853 | $ 1,088,175,000 | $ 224,227 | $ 131,571 |
| Atlanta-Sandy Springs-Roswell, GA | 3,581 | $ 1,007,025,000 | $ 281,213 | $ 144,000 |
| Greenville-Anderson-Mauldin, SC | 1,002 | $ 253,770,000 | $ 253,263 | $ 159,000 |
| Raleigh, NC | 794 | $ 249,400,000 | $ 314,105 | $ 143,000 |
| Asheville, NC | 593 | $ 170,035,000 | $ 286,736 | $ 127,000 |
| Knoxville, TN | 516 | $ 139,330,000 | $ 270,019 | $ 128,000 |
| Charleston-North Charleston, SC | 474 | $ 256,600,000 | $ 541,350 | $ 218,000 |
| Cleveland, TN | 373 | $ 76,825,000 | $ 205,965 | $ 90,000 |
| Gainesville, GA | 356 | $ 93,260,000 | $ 261,966 | $ 147,000 |
| Spartanburg, SC | 305 | $ 54,475,000 | $ 178,606 | $ 101,000 |
| Brunswick, GA | 296 | $ 74,690,000 | $ 252,331 | $ 144,000 |
| Myrtle Beach-Conway-North Myrtle Beach, SC-NC | 290 | $ 78,850,000 | $ 271,896 | $ 116,651 |
| Savannah, GA | 286 | $ 89,720,000 | $ 313,706 | $ 147,000 |
| Rome, GA | 284 | $ 52,750,000 | $ 185,739 | $ 130,000 |
| Hilton Head Island-Bluffton-Beaufort, SC | 180 | $ 62,370,000 | $ 346,500 | $ 164,000 |
| Durham-Chapel Hill, NC | 169 | $ 72,635,000 | $ 429,792 | $ 159,000 |
| Charlotte-Concord-Gastonia, NC-SC | 162 | $ 66,930,000 | $ 413,148 | $ 247,395 |
| Athens-Clarke County, GA | 141 | $ 35,885,000 | $ 254,503 | $ 151,000 |
| Columbia, SC | 138 | $ 30,650,000 | $ 222,101 | $ 144,000 |
| North Port-Sarasota-Bradenton, FL | 121 | $ 55,015,000 | $ 454,669 | $ 171,000 |
| Orlando-Kissimmee-Sanford, FL | 77 | $ 33,285,000 | $ 432,272 | $ 400,000 |
| Chattanooga, TN-GA | 63 | $ 15,975,000 | $ 253,571 | $ 108,460 |
| Fayetteville, NC | 55 | $ 9,635,000 | $ 175,181 | $ 190,000 |
| Jacksonville, FL | 52 | $ 29,010,000 | $ 557,884 | $ 331,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 39 | $ 28,185,000 | $ 722,692 | $ 388,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 30 | $ 23,040,000 | $ 768,000 | $ 451,000 |
| Crestview-Fort Walton Beach-Destin, FL | 29 | $ 19,155,000 | $ 660,517 | $ 294,000 |
| Tampa-St. Petersburg-Clearwater, FL | 29 | $ 12,065,000 | $ 416,034 | $ 478,000 |
| Hickory-Lenoir-Morganton, NC | 27 | $ 5,955,000 | $ 220,555 | $ 109,000 |
| Wilmington, NC | 26 | $ 11,410,000 | $ 438,846 | $ 269,000 |
| Deltona-Daytona Beach-Ormond Beach, FL | 24 | $ 10,870,000 | $ 452,916 | $ 283,000 |
| Miami-Miami Beach-Kendall, FL | 24 | $ 21,540,000 | $ 897,500 | $ 555,000 |
| Cape Coral-Fort Myers, FL | 22 | $ 12,280,000 | $ 558,181 | $ 175,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 21 | $ 9,575,000 | $ 455,952 | $ 216,000 |
| Burlington, NC | 18 | $ 3,660,000 | $ 203,333 | $ 68,000 |
| Columbus, GA-AL | 18 | $ 3,670,000 | $ 203,888 | $ 66,166 |
| Macon-Bibb County, GA | 18 | $ 2,670,000 | $ 148,333 | $ 89,000 |
| Dalton, GA | 17 | $ 3,705,000 | $ 217,941 | $ 108,000 |
| Florence, SC | 16 | $ 4,880,000 | $ 305,000 | $ 122,000 |
| Greensboro-High Point, NC | 16 | $ 3,790,000 | $ 236,875 | $ 120,000 |
| Johnson City, TN | 16 | $ 3,960,000 | $ 247,500 | $ 99,000 |
| Augusta-Richmond County, GA-SC | 15 | $ 2,695,000 | $ 179,666 | $ 113,666 |
| Morristown, TN | 15 | $ 5,205,000 | $ 347,000 | $ 137,000 |
| Naples-Immokalee-Marco Island, FL | 15 | $ 9,305,000 | $ 620,333 | $ 266,000 |
| Punta Gorda, FL | 15 | $ 4,195,000 | $ 279,666 | $ 107,000 |
| Palm Bay-Melbourne-Titusville, FL | 12 | $ 5,070,000 | $ 422,500 | $ 310,000 |
| Port St. Lucie, FL | 12 | $ 5,590,000 | $ 465,833 | $ 318,000 |
| Rocky Mount, NC | 9 | $ 1,885,000 | $ 209,444 | $ 80,000 |
| New Bern, NC | 8 | $ 1,410,000 | $ 176,250 | $ 197,000 |
| Panama City, FL | 8 | $ 2,410,000 | $ 301,250 | $ 158,000 |
| Sumter, SC | 8 | $ 710,000 | $ 88,750 | $ 88,000 |
| Auburn-Opelika, AL | 7 | $ 1,595,000 | $ 227,857 | $ 371,000 |
| Daphne-Fairhope-Foley, AL | 7 | $ 2,085,000 | $ 297,857 | $ 114,000 |
| Warner Robins, GA | 7 | $ 1,745,000 | $ 249,285 | $ 113,000 |
| Winston-Salem, NC | 7 | $ 1,765,000 | $ 252,142 | $ 324,000 |
| Goldsboro, NC | 5 | $ 625,000 | $ 125,000 | $ 76,000 |
| Greenville, NC | 4 | $ 1,990,000 | $ 497,500 | $ 104,000 |
| Hinesville, GA | 4 | $ 920,000 | $ 230,000 | $ 139,000 |
| Jacksonville, NC | 4 | $ 830,000 | $ 207,500 | $ 86,000 |
| Albany, GA | 3 | $ 2,345,000 | $ 781,666 | $ 378,000 |
| Birmingham-Hoover, AL | 3 | $ 1,795,000 | $ 598,333 | $ 136,000 |
| Homosassa Springs, FL | 3 | $ 695,000 | $ 231,666 | $ 107,000 |
| Sebastian-Vero Beach, FL | 3 | $ 2,085,000 | $ 695,000 | $ 345,000 |
| Gainesville, FL | 2 | $ 400,000 | $ 200,000 | $ 63,000 |
| Huntsville, AL | 2 | $ 540,000 | $ 270,000 | $ 69,000 |
| Kingsport-Bristol-Bristol, TN-VA | 2 | $ 70,000 | $ 35,000 | $ 117,500 |
| Mobile, AL | 2 | $ 260,000 | $ 130,000 | $ 52,000 |
| Ocala, FL | 2 | $ 430,000 | $ 215,000 | $ 40,000 |
| The Villages, FL | 2 | $ 730,000 | $ 365,000 | $ 121,000 |
| Austin-Round Rock, TX | 1 | $ 135,000 | $ 135,000 | $ 54,000 |
| Memphis, TN-MS-AR | 1 | $ 485,000 | $ 485,000 | $ 117,000 |
| Sebring, FL | 1 | $ 115,000 | $ 115,000 | $ 114,000 |
| Tuscaloosa, AL | 1 | $ 175,000 | $ 175,000 | $ 336,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 1 | $ 295,000 | $ 295,000 | $ 165,000 |
Mortgage Loan Application Detail Totals for United Community Bank in 2021
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 5,803 | $2,189,245,000 | $377,000 | $33,005,000 | $156,000 | $7,257,000 |
| Refinancing | 4,237 | $1,090,645,000 | $257,000 | $5,005,000 | $144,000 | $4,586,000 |
| Cash-out Refinancing | 2,287 | $663,625,000 | $290,000 | $3,105,000 | $125,000 | $2,408,000 |
| Home Improvement | 1,926 | $211,200,000 | $109,000 | $2,005,000 | $137,000 | $2,848,000 |
| Other Purpose | 1,489 | $182,575,000 | $122,000 | $4,005,000 | $154,000 | $3,188,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 12,903 | $3,399,805,000 | $263,000 | $4,425,000 | $144,000 | $7,257,000 |
| Not Provided | 1,144 | $282,400,000 | $246,000 | $3,005,000 | $180,000 | $2,544,000 |
| Black or African American | 677 | $183,615,000 | $271,000 | $2,475,000 | $121,000 | $2,487,000 |
| Hispanic | 392 | $114,080,000 | $291,000 | $1,805,000 | $134,000 | $1,327,000 |
| Not applicable | 263 | $237,755,000 | $904,000 | $33,005,000 | $0 | $0 |
| Asian | 215 | $76,985,000 | $358,000 | $2,085,000 | $178,000 | $2,100,000 |
| American Indian or Alaskan Native | 67 | $15,805,000 | $235,000 | $1,475,000 | $129,000 | $600,000 |
| Native Hawaiian or Other Pacific Islander | 6 | $3,080,000 | $513,000 | $1,205,000 | $228,000 | $470,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 14,865 | $4,132,165,000 | $277,000 | $33,005,000 | $150,000 | $7,257,000 |
| FHA-insured (Federal Housing Administration) | 532 | $114,910,000 | $215,000 | $445,000 | $65,000 | $304,000 |
| VA-guaranteed (Veterans Administration) | 207 | $63,775,000 | $308,000 | $1,255,000 | $99,000 | $857,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 138 | $26,440,000 | $191,000 | $515,000 | $55,000 | $127,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 10,969 | $3,095,505,000 | $282,000 | $33,005,000 | $150,000 | $7,257,000 |
| Application Denied By Financial Institution | 2,311 | $458,555,000 | $198,000 | $4,005,000 | $108,000 | $2,408,000 |
| Application Withdrawn By Applicant | 2,050 | $679,350,000 | $331,000 | $24,005,000 | $165,000 | $6,269,000 |
| Application Approved But Not Accepted | 237 | $41,355,000 | $174,000 | $1,105,000 | $137,000 | $1,553,000 |
| File Closed For Incompleteness | 175 | $62,525,000 | $357,000 | $2,125,000 | $178,000 | $2,680,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 13,431 | $3,878,735,000 | $288,000 | $33,005,000 | $152,000 | $7,257,000 |
| Credit History | 781 | $129,985,000 | $166,000 | $2,605,000 | $107,000 | $2,408,000 |
| Debt-To-Income Ratio | 748 | $168,110,000 | $224,000 | $4,005,000 | $67,000 | $604,000 |
| Collateral | 329 | $62,645,000 | $190,000 | $4,005,000 | $149,000 | $1,775,000 |
| Unverifiable Information | 205 | $37,215,000 | $181,000 | $2,005,000 | $144,000 | $1,833,000 |
| Other | 194 | $46,410,000 | $239,000 | $2,705,000 | $164,000 | $2,100,000 |
| Employment History | 32 | $7,280,000 | $227,000 | $575,000 | $68,000 | $311,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 11 | $5,045,000 | $458,000 | $1,445,000 | $99,000 | $347,000 |
| Credit Application Incomplete | 11 | $1,865,000 | $169,000 | $515,000 | $113,000 | $248,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into United Community Bank's 2021 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess United Community Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in South Carolina, download the full spreadsheet
with aggregated HMDA statistics today.
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