In a huge 5g area but phones getting 4g only

I’m ~1200’ from a T-Mobile tower, and the ‘label’ will often show 4G LTE, 5G and sometimes 5G UC.

The problem with these labels, is that they're ½ of the time … just that.  I have a screenshot showing +500Mbps on '4G LTE'.

Unless you 'force' your device to 5G SA, you'll get whatever is available, and the 'best' for management and use .. at the time.  During calls, its often '5G' or '4G LTE'.  Another 'note'  LTE B2 often shows up on Samsung as 5G.