United Community Bank Mortgage Rates, Fees & Info

Chatham, IL

LEI: 5493000XYE7QL54NMB52

Tax ID: 37-0863264

5 stars - out of 5 stars, based on 49 reviews

2021 Data | 2020 Data | 2019 Data | 2018 Data


Overview

United Community Bank is a smaller bank specializing in Home Purchase, Refi, and Cash Out Refi loans. United Community Bank has a high proportion of conventional loans. They have a low ratio of USDA loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets include Springfield, St. Louis, Quincy, Fort Madison, and Chicago among others. United Community Bank has an above average approval rate for mortages when compared nationally. They have a below average pick rate when compared to the same sample of other lendors. United Community Bank is typically a low fee lendor.


Originations

2,371

Origination Dollar Volume (All Markets)

$321,545,000

Employee count

568 Show all (24) awards

Relative Rate

United Community Bank's average 30 year fixed rate mortgage of loans were 3.02%.

The 2021 average 30 year fixed rate mortgage across all markets of loans were 3.15%.

This yields a difference of -0.13%.

Relative Fees

United Community Bank's average total fees for a 30 year fixed rate mortgage are $1,950.

The average total origination fees for 30 year fixed rate mortgages (for all loan values, including both points & up-front fees in addition to origination fees) are $4,750.

Top Markets

Market Originations Total Value Average Loan Average Fees Average Rate
SPRINGFIELD, IL (FHA|USDA|VA) 798 $119,480,000 $149,724 $1,554 2.84%
ST. LOUIS, MO-IL (FHA|USDA|VA) 514 $66,650,000 $129,669 $1,536 2.93%
Quincy, IL-MO (FHA|USDA|VA) 330 $41,530,000 $125,848 $1,409 3.04%
Outside of Metro Areas 182 $18,900,000 $103,846 $1,761 3.02%
Fort Madison-Keokuk, IA-IL-MO (FHA|USDA|VA) 137 $14,675,000 $107,117 $1,610 2.94%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 42 $7,890,000 $187,857 $1,771 2.62%
Hannibal, MO (FHA|USDA|VA) 46 $6,450,000 $140,217 $1,361 2.81%
Macomb, IL (FHA|USDA|VA) 65 $6,125,000 $94,231 $1,891 2.92%
Lincoln, IL (FHA|USDA|VA) 51 $5,325,000 $104,412 $2,113 2.83%
Jacksonville, IL (FHA|USDA|VA) 26 $3,190,000 $122,692 $1,503 3.01%
PEORIA, IL (FHA|USDA|VA) 23 $2,765,000 $120,217 $2,132 2.84%
Taylorville, IL (FHA|USDA|VA) 21 $2,555,000 $121,667 $1,484 2.71%
BLOOMINGTON, IL (FHA|USDA|VA) 16 $2,230,000 $139,375 $1,280 2.48%
CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 13 $1,945,000 $149,615 $1,680 2.54%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $1,655,000 $1,655,000 $0 3.00%
CARBONDALE-MARION, IL (FHA|USDA|VA) 13 $1,495,000 $115,000 $2,063 2.87%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 4 $1,460,000 $365,000 $3,057 3.66%
DECATUR, IL (FHA|USDA|VA) 11 $1,325,000 $120,455 $1,653 2.60%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 5 $1,255,000 $251,000 $3,229 3.35%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,195,000 $398,333 $1,220 3.22%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $1,030,000 $515,000 $2,543 2.78%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 7 $855,000 $122,143 $2,264 3.04%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $850,000 $425,000 $1,929 2.86%
Rochelle, IL (FHA|USDA|VA) 5 $835,000 $167,000 $5,598 3.18%
Ottawa, IL (FHA|USDA|VA) 5 $835,000 $167,000 $2,544 3.31%
ROCKFORD, IL (FHA|USDA|VA) 4 $690,000 $172,500 $4,265 3.24%
COLUMBIA, MO (FHA|USDA|VA) 2 $680,000 $340,000 $1,640 2.26%
SALT LAKE CITY, UT (FHA|USDA|VA) 2 $600,000 $300,000 $2,067 2.11%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $580,000 $290,000 $3,396 2.94%
RALEIGH-CARY, NC (FHA|USDA|VA) 2 $570,000 $285,000 $2,773 3.54%
DAVENPORT-MOLINE-ROCK ISLAND, IA-IL (FHA|USDA|VA) 1 $545,000 $545,000 $2,032 2.10%
Effingham, IL (FHA|USDA|VA) 3 $415,000 $138,333 $1,290 2.74%
Bozeman, MT (FHA|USDA|VA) 1 $355,000 $355,000 $2,600 3.25%
NILES, MI (FHA|USDA|VA) 1 $345,000 $345,000 $2,178 2.73%
Warrensburg, MO (FHA|USDA|VA) 2 $340,000 $170,000 $761 3.64%
Dixon, IL (FHA|USDA|VA) 3 $315,000 $105,000 $3,600 3.63%
TUCSON, AZ (FHA|USDA|VA) 1 $295,000 $295,000 $3,939 2.43%
Centralia, IL (FHA|USDA|VA) 2 $280,000 $140,000 $1,097 2.10%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 1 $265,000 $265,000 $2,455 3.18%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $250,000 $125,000 $1,062 3.68%
Pontiac, IL (FHA|USDA|VA) 2 $250,000 $125,000 $1,495 2.40%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $245,000 $245,000 $1,444 2.73%
KANKAKEE, IL (FHA|USDA|VA) 2 $230,000 $115,000 $1,298 3.23%
IOWA CITY, IA (FHA|USDA|VA) 1 $225,000 $225,000 $7,909 2.88%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $205,000 $205,000 $2,030 2.13%
SYRACUSE, NY (FHA|USDA|VA) 1 $185,000 $185,000 $3,124 3.73%
Burlington, IA-IL (FHA|USDA|VA) 3 $165,000 $55,000 $1,317 3.47%
Galesburg, IL (FHA|USDA|VA) 2 $160,000 $80,000 $3,211 3.25%
Fort Payne, AL (FHA|USDA|VA) 1 $155,000 $155,000 $2,906 2.65%
ALBUQUERQUE, NM (FHA|USDA|VA) 1 $145,000 $145,000 $2,553 2.08%
PINE BLUFF, AR (FHA|USDA|VA) 1 $135,000 $135,000 $2,129 2.98%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $125,000 $125,000 $1,908 2.53%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $115,000 $115,000 $2,188 3.13%
Paducah, KY-IL (FHA|USDA|VA) 1 $115,000 $115,000 $1,308 2.55%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $65,000 $65,000 $1,275 2.03%

United Community Bank's top markets include Springfield, St. Louis, Quincy, Fort Madison, and Chicago among others.

Product Mix

Loan Type Originations Total Value Average Loan Average Fees Average Rate
Conventional 2,172 $297,790,000 $137,104 $1,406 2.92%
USDA 105 $10,605,000 $101,000 $2,715 2.75%
FHA 65 $7,405,000 $113,923 $4,529 2.94%
VA 29 $5,745,000 $198,103 $5,392 2.59%

For the 2021 period, United Community Bank's most frequently originated loan type of loans were Conventional, with 2,172 originations. Their 2nd most popular type is USDA, with 105 originations.

Loan Reason

Loan Reason Originations Total Value Average Loan Average Fees Average Rate
Home Purchase 1,029 $148,095,000 $143,921 $2,041 3.06%
Refi 770 $103,440,000 $134,338 $1,264 2.68%
Cash Out Refi 469 $64,435,000 $137,388 $1,553 2.72%
Home Improvement 72 $3,510,000 $48,750 $612 4.13%
Other 30 $2,030,000 $67,667 $762 3.55%
NA 1 $35,000 $35,000 $0 4.75%

For the 2021, United Community Bank's most frequently cited loan purpose of loans were Home Purchase, with 1,029 originations. The 2nd most popular reason of loans were Refi, with 770 originations.

Loan Duration/Length

Loan Length Originations Total Value Average Loan Average Fees Average Rate
30 Year 1,119 $170,115,000 $152,024 $1,950 3.02%
15 Year 595 $75,215,000 $126,412 $1,326 2.51%
20 Year 205 $28,425,000 $138,659 $1,440 2.88%
10 Year 195 $17,865,000 $91,615 $1,198 2.35%
Other 118 $16,100,000 $136,441 $1,011 3.77%
5 Year 109 $9,545,000 $87,569 $342 3.92%
1 Year 26 $4,240,000 $163,077 $1,011 3.39%
3 Year 4 $40,000 $10,000 $194 3.69%

For the 2021, United Community Bank's most frequently cited loan length of loans were 30 Year, with 1,119 originations. The 2nd most popular length of loans were 15 Year, with 595 originations.

Origination Fees

Origination Fee Originations Total Value Average Loan
$<1k 1,985 $267,315,000 $134,668
$1k-2k 107 $16,665,000 $155,748
$2k-3k 29 $6,455,000 $222,586
$3k-4k 14 $4,360,000 $311,429

$1,950 of loans were United Community Bank's average total fees, while their most frequently occuring range of origination fees were in the $<1k bucket, with 1,985 originations.

Interest Rates

Loan Rate Originations Total Value Average Loan
3-4% 792 $107,500,000 $135,732
2.5-3% 747 $112,345,000 $150,395
<2.5% 728 $94,510,000 $129,821
4-5% 103 $6,775,000 $65,777
5-6% 1 $415,000 $415,000

During 2021, United Community Bank's average interest rate of loans were 3.02%, while their most frequently originated rate bucket of loans were 3-4%, with 792 originations.

Loan Sizing

Loan Size Originations Total Value Average Loan Average Fees Average Rate
$100,000 or less 1,015 $63,755,000 $62,813 $1,362 3.01%
$100k-200k 926 $129,010,000 $139,320 $1,688 2.82%
$200k-400k 372 $98,450,000 $264,651 $1,966 2.85%
$400k-600k 53 $25,465,000 $480,472 $2,221 2.88%
$600k-1MM 4 $3,210,000 $802,500 $4,500 3.27%
$1MM+ 1 $1,655,000 $1,655,000 $0 3.00%

2021 saw United Community Bank place emphasis on $100,000 or less loans with 1,015 originations, totaling $63,755,000 in origination value.

Applicant Income

Applicant Income Originations Total Value Average Loan Average Fees Average Rate
$50k-75k 557 $60,725,000 $109,022 $1,628 2.85%
$100k-150k 491 $81,545,000 $166,079 $1,567 2.86%
$50k or less 486 $39,950,000 $82,202 $1,681 2.88%
$75k-100k 409 $50,895,000 $124,438 $1,564 2.90%
$150k-250k 236 $50,160,000 $212,542 $1,656 2.84%
$250k+ 94 $27,010,000 $287,340 $1,787 3.04%

United Community Bank lent most frequently to those with incomes in the $50k-75k range, with 557 originations. The second most popular income band? $100k-150k, with 491 originations.

Applicant Debt to Income Ratio

DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
20-30% 756 $101,690,000 $134,511 $1,549 2.78%
30-36% 446 $59,130,000 $132,578 $1,665 2.85%
<20% 423 $52,835,000 $124,905 $1,390 2.78%
37% 71 $9,835,000 $138,521 $1,717 2.84%
40% 70 $10,050,000 $143,571 $1,786 3.00%
41% 69 $9,675,000 $140,217 $1,560 3.06%
36% 62 $8,330,000 $134,355 $2,066 2.93%
38% 58 $8,530,000 $147,069 $1,799 2.83%
42% 57 $8,855,000 $155,351 $1,597 3.29%
39% 57 $7,425,000 $130,263 $1,770 3.03%
44% 37 $5,455,000 $147,432 $2,223 2.90%
43% 31 $4,745,000 $153,065 $1,790 3.01%
45% 27 $4,595,000 $170,185 $1,817 2.81%
46% 26 $4,000,000 $153,846 $1,827 3.04%
47% 18 $2,570,000 $142,778 $2,224 2.67%
48% 17 $2,525,000 $148,529 $2,569 2.93%
49% 10 $1,840,000 $184,000 $1,510 2.78%
50-60% 6 $1,530,000 $255,000 $1,740 3.90%

United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 756 originations. The next most common DTI ratio? 30-36%, with 446 originations.

Ethnicity Mix

Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
White 2,162 $291,440,000 $134,801 $1,620 2.87%
Not provided 77 $11,615,000 $150,844 $1,608 2.96%
Not applicable 70 $8,550,000 $122,143 $0 3.93%
Asian 30 $5,880,000 $196,000 $1,546 2.82%
Black 21 $2,675,000 $127,381 $1,713 3.05%
American Indian 8 $890,000 $111,250 $1,283 2.57%
Asian Indian 2 $400,000 $200,000 $1,164 3.46%
Native Hawaiian 1 $95,000 $95,000 $499 3.25%

Approval Rates

Total approvals of all applications
91.93%

United Community Bank has an average approval rate.

Pick Rate

Approvals leading to origination
86.38%

United Community Bank has an average pick rate.

Points and Fees

Points Originations Total Value Average Loan
NA 2,371 $321,545,000 $135,616

Occupancy Type Mix

Dwelling Type Originations Total Value Average Loan
2,371 $321,545,000 $135,616

LTV Distribution

Loan to Value Originations Total Value Average Loan Average Fees Average Rate
20-40% 182 $15,180,000 $83,407 $1,093 2.90%
40-60% 329 $40,905,000 $124,331 $1,334 2.62%
60-80% 917 $136,675,000 $149,046 $1,464 2.86%
80-100% 842 $124,040,000 $147,316 $2,054 2.96%
Over 100% 11 $1,715,000 $155,909 $6,497 3.45%
Under 20% 88 $2,840,000 $32,273 $560 3.86%

Complaints

Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
UNITED COMMUNITY BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%
UNITED COMMUNITY BANK Home equity loan or line of credit (HELOC) Trouble during payment process 1 20.0%
UNITED COMMUNITY BANK Other type of mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%
UNITED COMMUNITY BANK Other type of mortgage Trouble during payment process 1 20.0%
UNITED COMMUNITY BANK Conventional home mortgage Trouble during payment process 1 20.0%

Bank Details

Branches

Bank Name Branch Branch Type Deposits (000's)
United Community Bank 102 Church Street Loami, IL 62661 Limited, Drive-thru $0
United Community Bank 200 North Fifth Street Auburn, IL 62615 Limited, Administrative $0
United Community Bank 200 Reichert Road Divernon, IL 62530 Full Service B&M $37,011
United Community Bank 206 East Wood Camp Point, IL 62320 Full Service B&M $51,710
United Community Bank 21 East Market Winchester, IL 62694 Full Service B&M $28,154
United Community Bank 2120 North Peoria Road Springfield, IL 62702 Full Service B&M $21,077
United Community Bank 215 South Morse Street Roodhouse, IL 62082 Full Service B&M $26,294
United Community Bank 2201 Woodlawn Road, Suite 100 Lincoln, IL 62656 Full Service B&M $37,709
United Community Bank 2403 Homer Adams Parkway Alton, IL 62002 Full Service B&M $146,791
United Community Bank 2711 Godfrey Road Godfrey, IL 62035 Full Service B&M $108,101
United Community Bank 301 North Main Street Chatham, IL 62629 Full Service B&M $299,030
United Community Bank 301 South Macoupin Street Gillespie, IL 62033 Full Service B&M $87,033
United Community Bank 3112 Godfrey Road Godfrey, IL 62035 Full Service B&M $59,374
United Community Bank 700 Stevenson Drive Springfield, IL 62703 Full Service B&M $55,055
United Community Bank 790 East Jackson Street Auburn, IL 62615 Full Service B&M $76,516
United Community Bank Eighth And Jersey Streets Quincy, IL 62301 Limited, Drive-thru $40
United Community Bank Route 159 And South Franklin Bunker Hill, IL 62014 Limited, Drive-thru $0
United Community Bank West Jefferson Street And State Route 4 Auburn, IL 62615 Full Service B&M $21,057
United Community Bank 1 Professional Plaza Pittsfield, IL 62363 Full Service B&M $63,815
United Community Bank 101 N. 36th Street Quincy, IL 62301 Full Service B&M $16,449
United Community Bank 101-103 East Main Street Mount Sterling, IL 62353 Full Service B&M $63,511
United Community Bank 3200 West Iles Avenue Springfield, IL 62711 Full Service B&M $51,874
United Community Bank 321 Quincy Street Golden, IL 62339 Full Service B&M $23,207
United Community Bank 353 West Bethalto Rd Bethalto, IL 62010 Full Service Retail $43,223
United Community Bank 402 Main Street Greenfield, IL 62044 Full Service B&M $41,159
United Community Bank 404 North Broad Street Carlinville, IL 62626 Full Service B&M $35,118
United Community Bank 410 Buchanan Carthage, IL 62321 Full Service B&M $184,605
United Community Bank 430 West Jackson Street Macomb, IL 61455 Full Service B&M $52,246
United Community Bank 440 Maine Street Quincy, IL 62301 Full Service B&M $33,630
United Community Bank 507 Main Street Augusta, IL 62311 Full Service B&M $40,041
United Community Bank 5211 Broadway Street Quincy, IL 62301 Full Service Retail $14,192
United Community Bank 600 West Main St. Mechanicsburg, IL 62545 Full Service B&M $16,164
United Community Bank 617 Bruns Lane Springfield, IL 62702 Full Service B&M $34,937
United Community Bank 619 Fifth Street Pawnee, IL 62558 Full Service B&M $98,742
United Community Bank 105 West Franklin Hudson, IL 61748 Full Service B&M $25,288
United Community Bank 109 East Depot Street Colchester, IL 62326 Full Service B&M $19,076
United Community Bank 1111 Broadway Hamilton, IL 62341 Full Service B&M $63,990
United Community Bank 120 Governor Oglesby Street Elkhart, IL 62634 Full Service B&M $9,573
United Community Bank 120 Illini Boulevard Sherman, IL 62684 Full Service B&M $51,369
United Community Bank 120 South Chatham Road Springfield, IL 62704 Full Service B&M $49,275
United Community Bank 123 West Lafayette Palmyra, MO 63461 Full Service B&M $29,454
United Community Bank 129 North Washington Bunker Hill, IL 62014 Full Service B&M $64,246
United Community Bank 1700 East Jackson Street Macomb, IL 61455 Full Service B&M $5,434
United Community Bank 190 East Hurst Bushnell, IL 61422 Full Service B&M $19,058
United Community Bank 1900 West Iles Avenue Springfield, IL 62704 Full Service B&M $340,736
United Community Bank 200 North 33rd Street Quincy, IL 62301 Full Service B&M $314,768

For 2021, United Community Bank had 46 branches.

Yearly Performance Overview

Bank Income

Item Value (in 000's)
Total interest income $85,301
Net interest income $74,406
Total noninterest income $34,455
Gross Fiduciary activities income $2,473
Service charges on deposit accounts $3,919
Trading account gains and fees $0
Additional Noninterest Income $28,063
Pre-tax net operating income $42,101
Securities gains (or losses, -) $165
Income before extraordinary items $34,138
Discontinued Operations (Extraordinary gains, net) $0
Net income of bank and minority interests $34,138
Minority interest net income $0
Net income $34,138
Sale, conversion, retirement of capital stock, net $0
Net operating income $34,004

United Community Bank's gross interest income from loans was $85,301,000.
United Community Bank's net interest income from loans was $74,406,000.
United Community Bank's fee based income from loans was $3,919,000.
United Community Bank's net income from loans was $34,138,000.

Bank Expenses

Item Value (in 000's)
Total interest expense $10,895
Provision for credit losses $-1,519
Total noninterest expense $68,279
Salaries and employee benefits $36,557
Premises and equipment expense $9,972
Additional noninterest expense $21,750
Applicable income taxes $8,128
Net charge-offs $380
Cash dividends $18,900

United Community Bank's interest expense for loans was $10,895,000.
United Community Bank's payroll and benefits expense were $36,557,000.
United Community Bank's property, plant and equipment expenses $9,972,000.

Loan Performance

Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
All loans 0.0%
Real Estate loans 1.0%
Construction & Land Development loans 0.0%
Nonfarm, nonresidential loans 1.0%
Multifamily residential loans 1.0%
1-4 family residential loans 1.0%
HELOC loans 0.0%
All other family 1.0%
Commercial & industrial loans 0.0%
Personal loans 0.0%
Credit card loans 0.0%
Other individual loans 0.0%
Auto loans 0.0%
Other consumer loans 0.0%
Unsecured commercial real estate loans 0.0%

Deposits

Type Value (in 000's)
Total deposits $3,012,176
Deposits held in domestic offices $3,012,176
Deposits by Individuals, partnerships, and corporations $2,389,300
Deposits by U.S. Government $0
Deposits by States and political subdivisions in the U.S. $581,912
Deposits by Commercial banks and other depository institutions in U.S. $40,963
Deposits by Banks in foreign countries $0
Deposits by Foreign governments and official institutions $0
Transaction accounts $1,623,579
Demand deposits $1,396,731
Nontransaction accounts $1,388,596
Money market deposit accounts (MMDAs) $556,929
Other savings deposits (excluding MMDAs) $462,418
Total time deposits $369,250
Total time and savings deposits $1,615,444
Noninterest-bearing deposits $751,427
Interest-bearing deposits $2,260,749
Retail deposits $2,908,272
IRAs and Keogh plan accounts $70,776
Brokered deposits $10,173
Deposits held in foreign offices $0

Assets

Asset Value (in 000's)
Total Assets $3,479,391
Cash & Balances due from depository institutions $561,352
Interest-bearing balances $466,112
Total securities $1,052,571
Federal funds sold & reverse repurchase $0
Net loans and leases $1,730,303
Loan and leases loss allowance $20,464
Trading account assets $0
Bank premises and fixed assets $29,391
Other real estate owned $3,986
Goodwill and other intangibles $38,844
All other assets $62,944

Liabilities

Liabilities Value (in 000's)
Total liabilities and capital $3,479,391
Total Liabilities $3,168,353
Total deposits $3,012,176
Interest-bearing deposits $2,260,749
Deposits held in domestic offices $3,012,176
% insured (estimated) $83
Federal funds purchased and repurchase agreements $89,260
Trading liabilities $0
Other borrowed funds $50,000
Subordinated debt $0
All other liabilities $16,917

Issued Loan Types

Type Value (in 000's)
Net loans and leases $1,730,303
Loan and leases loss allowance $20,464
Total loans and leases (domestic) $1,750,767
All real estate loans $1,145,518
Real estate loans in domestic offices $1,145,518
Construction and development loans $102,882
Residential 1-4 family construction $15,535
Other construction, all land development and other land $87,347
Loans secured by nonfarm nonresidential properties $452,795
Nonfarm nonresidential secured by owner-occupied properties $352,128
Commercial real estate & other non-farm, non-residential $100,667
Multifamily residential real estate $21,667
1-4 family residential loans $376,192
Farmland loans $191,982
Loans held in foreign offices $0
Farm loans $116,139
Commercial and industrial loans $333,665
To non-U.S. addressees $0
Loans to individuals $28,083
Credit card loans $2,185
Related Plans $335
Consumer Auto Loans $11,043
Other loans to individuals $14,520
All other loans & leases $127,362
Loans to foreign governments and official institutions $0
Other loans $86,365
Loans to depository institutions and acceptances of other banks $0
Loans not secured by real estate $1,133
Loans secured by real estate to non-U.S. addressees $0
Restructured Loans & leases $9,200
Non 1-4 family restructured loans & leases $7,227
Total loans and leases (foreign) $0

United Community Bank had $1,730,303,000 of loans outstanding in 2021. $1,145,518,000 of loans were in real estate loans. $102,882,000 of loans were in development loans. $21,667,000 of loans were in multifamily mortgage loans. $376,192,000 of loans were in 1-4 family mortgage loans. $116,139,000 of loans were in farm loans. $2,185,000 of loans were in credit card loans. $11,043,000 of loans were in the auto loan category.

Small Business Loans

Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
Nonfarm, nonresidential loans - <$1MM 496 $83,795 $168,942
Nonfarm, nonresidential loans - <$100k 176 $6,293 $35,756
Nonfarm, nonresidential loans - $100-250k 158 $17,491 $110,703
Nonfarm, nonresidential loans - $250k-1MM 162 $60,011 $370,438
Commercial & Industrial, US addressed loans - <$1MM 1,572 $105,873 $67,349
Commercial & Industrial, US addressed loans - <$100k 1,136 $24,538 $21,600
Commercial & Industrial, US addressed loans - $100-250k 227 $19,399 $85,458
Commercial & Industrial, US addressed loans - $250k-1MM 209 $61,936 $296,344
Farmland loans - <$1MM 638 $71,948 $112,771
Farmland loans - <$100k 223 $8,920 $40,000
Farmland loans - $100-250k 253 $26,693 $105,506
Farmland loans - $250k-1MM 162 $36,335 $224,290
Agriculture operations loans - <$1MM 1,002 $55,398 $55,287
Agriculture operations loans - <$100k 724 $15,994 $22,091
Agriculture operations loans - $100-250k 185 $19,663 $106,286
Agriculture operations loans - $250k-1MM 93 $19,741 $212,269