United Community Bank Mortgage Rates, Fees & Info

Blairsville, GA

LEI: T68X8LLAQYRNDV034K14

Tax ID: 58-0554454

5 stars - out of 5 stars, based on 105 reviews

Latest/2021 | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • SimulatedRates™
  • Bank Data

    Review & Overview

    United Community Bank is a mid-sized bank specializing in Home Purchase and Refi loans. United Community Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Atlanta, Raleigh, Greenville, Charleston, and Asheville among others. We have data for 121 markets. (Some data included below & more in-depth data is available with an active subscription.)

    United Community Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. United Community Bank is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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    SimulatedRates™

    Mortgage Type
    Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.58% 12/4/22
    30 Year Conventional Purchase 6.93% 12/4/22
    30 Year Conventional Refi 6.77% 12/4/22
    30 Year Cash-out Refi 6.98% 12/4/22
    30 Year FHA Purchase 7.69% 12/4/22
    30 Year FHA Refi 7.36% 12/4/22
    30 Year VA Purchase 6.61% 12/4/22
    30 Year VA Refi 6.40% 12/4/22
    30 Year USDA Purchase 7.05% 12/4/22
    30 Year USDA Refi 6.99% 12/4/22
    15 Year Conventional Purchase 6.26% 12/4/22
    15 Year Conventional Refi 6.44% 12/4/22
    15 Year Cash-out Refi 6.44% 12/4/22
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.


    Originations

    10,969

    Origination Dollar Volume (All Markets)

    $3,095,505,000

    Employee count

    2,513 Show all (15) awards

    Relative Rate

    United Community Bank's average 30 year fixed mortgage rate was 3.09%.

    The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.

    This yields a difference of -0.06%.

    Relative Fees (Closing Costs)

    United Community Bank's average total fees/closing costs for a 30 year fixed rate mortgage were $4,611.

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

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 2,434 $701,620,000 $288,258 $4,984 3.06%
    Outside of Metro Areas 2,224 $489,300,000 $220,009 $4,180 3.09%
    RALEIGH-CARY, NC (FHA|USDA|VA) 631 $210,355,000 $333,368 $4,295 3.03%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 707 $194,345,000 $274,887 $4,127 2.98%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 318 $182,860,000 $575,031 $5,827 2.92%
    ASHEVILLE, NC (FHA|USDA|VA) 453 $131,305,000 $289,857 $4,387 2.96%
    KNOXVILLE, TN (FHA|USDA|VA) 358 $92,910,000 $259,525 $4,363 2.95%
    GAINESVILLE, GA (FHA|USDA|VA) 265 $74,825,000 $282,358 $4,764 3.08%
    SAVANNAH, GA (FHA|USDA|VA) 185 $65,145,000 $352,135 $5,044 3.06%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 138 $58,480,000 $423,768 $4,236 3.01%
    BRUNSWICK, GA (FHA|USDA|VA) 206 $55,740,000 $270,583 $4,846 3.06%
    CLEVELAND, TN (FHA|USDA|VA) 262 $50,690,000 $193,473 $4,047 3.11%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 125 $50,365,000 $402,920 $5,409 3.18%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 63 $48,615,000 $771,667 $8,764 2.95%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 131 $48,035,000 $366,679 $6,245 2.89%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 86 $40,620,000 $472,326 $5,354 3.04%
    SPARTANBURG, SC (FHA|USDA|VA) 218 $40,080,000 $183,853 $3,519 3.04%
    Cullowhee, NC (FHA|USDA|VA) 130 $39,080,000 $300,615 $5,479 3.03%
    ROME, GA (FHA|USDA|VA) 210 $38,820,000 $184,857 $4,009 3.25%
    Brevard, NC (FHA|USDA|VA) 151 $38,435,000 $254,536 $4,461 2.96%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 195 $36,125,000 $185,256 $3,979 3.21%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 97 $28,105,000 $289,742 $4,389 3.35%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 53 $26,885,000 $507,264 $6,259 2.88%
    JACKSONVILLE, FL (FHA|USDA|VA) 40 $21,910,000 $547,750 $6,111 2.82%
    COLUMBIA, SC (FHA|USDA|VA) 91 $20,275,000 $222,802 $4,073 3.02%
    Cornelia, GA (FHA|USDA|VA) 123 $20,195,000 $164,187 $3,525 3.27%
    Seneca, SC (FHA|USDA|VA) 52 $18,270,000 $351,346 $4,940 3.10%
    Boone, NC (FHA|USDA|VA) 46 $17,080,000 $371,304 $5,009 2.93%
    Jefferson, GA (FHA|USDA|VA) 88 $16,470,000 $187,159 $3,969 3.18%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 19 $14,225,000 $748,684 $9,383 2.77%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 50 $12,240,000 $244,800 $4,466 3.09%
    Georgetown, SC (FHA|USDA|VA) 23 $11,215,000 $487,609 $5,031 3.04%
    Summerville, GA (FHA|USDA|VA) 90 $10,020,000 $111,333 $3,342 3.29%
    WILMINGTON, NC (FHA|USDA|VA) 23 $9,795,000 $425,870 $3,897 3.14%
    Greenwood, SC (FHA|USDA|VA) 54 $9,290,000 $172,037 $5,259 3.09%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 18 $8,500,000 $472,222 $5,668 3.03%
    FAYETTEVILLE, NC (FHA|USDA|VA) 45 $8,275,000 $183,889 $4,488 3.20%
    Cedartown, GA (FHA|USDA|VA) 33 $8,055,000 $244,091 $5,415 3.32%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 13 $7,775,000 $598,077 $5,384 3.05%
    Morehead City, NC (FHA|USDA|VA) 16 $7,500,000 $468,750 $4,534 3.14%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 17 $7,315,000 $430,294 $5,085 3.06%
    Calhoun, GA (FHA|USDA|VA) 34 $6,800,000 $200,000 $4,670 3.10%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 14 $6,540,000 $467,143 $6,438 3.32%
    NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) 15 $5,605,000 $373,667 $3,861 2.92%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 11 $5,325,000 $484,091 $8,923 2.89%
    LaGrange, GA-AL (FHA|USDA|VA) 25 $4,725,000 $189,000 $5,047 3.13%
    Sevierville, TN (FHA|USDA|VA) 13 $4,715,000 $362,692 $4,479 3.08%
    Marion, NC (FHA|USDA|VA) 14 $4,490,000 $320,714 $5,105 3.23%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 10 $4,450,000 $445,000 $5,749 2.84%
    MORRISTOWN, TN (FHA|USDA|VA) 11 $4,255,000 $386,818 $5,296 2.90%
    FLORENCE, SC (FHA|USDA|VA) 14 $3,730,000 $266,429 $4,663 3.29%
    Athens, TN (FHA|USDA|VA) 23 $3,695,000 $160,652 $3,873 3.08%
    Forest City, NC (FHA|USDA|VA) 13 $3,405,000 $261,923 $5,380 3.24%
    PUNTA GORDA, FL (FHA|USDA|VA) 9 $2,745,000 $305,000 $4,593 3.00%
    JOHNSON CITY, TN (FHA|USDA|VA) 9 $2,695,000 $299,444 $6,161 3.24%
    BURLINGTON, NC (FHA|USDA|VA) 10 $2,600,000 $260,000 $5,087 3.14%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 10 $2,540,000 $254,000 $5,357 2.94%
    Gaffney, SC (FHA|USDA|VA) 19 $2,495,000 $131,316 $2,918 2.91%
    ALBANY, GA (FHA|USDA|VA) 3 $2,345,000 $781,667 $7,509 3.46%
    COLUMBUS, GA-AL (FHA|USDA|VA) 10 $2,230,000 $223,000 $6,863 3.16%
    Vidalia, GA (FHA|USDA|VA) 11 $2,195,000 $199,545 $5,597 3.27%
    Thomaston, GA (FHA|USDA|VA) 8 $2,180,000 $272,500 $7,275 3.31%
    Newberry, SC (FHA|USDA|VA) 9 $2,115,000 $235,000 $3,701 3.06%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $2,085,000 $695,000 $8,435 2.67%
    St. Marys, GA (FHA|USDA|VA) 9 $1,965,000 $218,333 $5,313 2.94%
    GREENVILLE, NC (FHA|USDA|VA) 3 $1,925,000 $641,667 $9,486 2.88%
    DALTON, GA (FHA|USDA|VA) 8 $1,890,000 $236,250 $5,332 3.61%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 10 $1,740,000 $174,000 $3,048 2.94%
    Orangeburg, SC (FHA|USDA|VA) 4 $1,680,000 $420,000 $6,185 3.20%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 5 $1,485,000 $297,000 $8,002 3.25%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 8 $1,460,000 $182,500 $4,285 3.43%
    Waycross, GA (FHA|USDA|VA) 15 $1,425,000 $95,000 $3,276 3.24%
    Key West, FL (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $9,242 3.25%
    PANAMA CITY, FL (FHA|USDA|VA) 4 $1,370,000 $342,500 $3,909 3.18%
    WINSTON-SALEM, NC (FHA|USDA|VA) 5 $1,335,000 $267,000 $5,177 2.95%
    WARNER ROBINS, GA (FHA|USDA|VA) 5 $1,255,000 $251,000 $4,274 3.15%
    Jesup, GA (FHA|USDA|VA) 7 $1,165,000 $166,429 $4,126 3.37%
    ROCKY MOUNT, NC (FHA|USDA|VA) 4 $1,130,000 $282,500 $5,808 2.94%
    Toccoa, GA (FHA|USDA|VA) 6 $1,050,000 $175,000 $3,132 3.30%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 4 $1,020,000 $255,000 $4,585 3.44%
    Sanford, NC (FHA|USDA|VA) 6 $1,010,000 $168,333 $4,361 3.42%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 9 $995,000 $110,556 $3,354 3.19%
    Statesboro, GA (FHA|USDA|VA) 8 $990,000 $123,750 $2,730 3.12%
    Milledgeville, GA (FHA|USDA|VA) 3 $855,000 $285,000 $3,521 3.00%
    Crossville, TN (FHA|USDA|VA) 5 $805,000 $161,000 $3,144 2.85%
    Lumberton, NC (FHA|USDA|VA) 4 $800,000 $200,000 $10,830 3.19%
    Washington, NC (FHA|USDA|VA) 2 $790,000 $395,000 $6,792 2.81%
    Henderson, NC (FHA|USDA|VA) 2 $770,000 $385,000 $4,918 3.38%
    Alexander City, AL (FHA|USDA|VA) 2 $740,000 $370,000 $6,574 3.25%
    Fort Payne, AL (FHA|USDA|VA) 4 $610,000 $152,500 $2,841 3.44%
    Wilson, NC (FHA|USDA|VA) 3 $555,000 $185,000 $2,529 3.17%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $520,000 $260,000 $4,074 2.94%
    Paris, TN (FHA|USDA|VA) 3 $505,000 $168,333 $4,035 3.38%
    Kill Devil Hills, NC (FHA|USDA|VA) 1 $505,000 $505,000 $5,926 3.75%
    HINESVILLE, GA (FHA|USDA|VA) 2 $500,000 $250,000 $5,347 3.13%
    SUMTER, SC (FHA|USDA|VA) 3 $485,000 $161,667 $3,931 3.08%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 1 $485,000 $485,000 $0 2.75%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $440,000 $220,000 $3,110 3.13%
    OCALA, FL (FHA|USDA|VA) 2 $430,000 $215,000 $4,533 2.63%
    GOLDSBORO, NC (FHA|USDA|VA) 3 $375,000 $125,000 $4,600 3.25%
    Albertville, AL (FHA|USDA|VA) 2 $360,000 $180,000 $3,267 3.06%
    NEW BERN, NC (FHA|USDA|VA) 3 $345,000 $115,000 $3,950 2.88%
    Cookeville, TN (FHA|USDA|VA) 1 $295,000 $295,000 $3,073 2.75%
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $295,000 $295,000 $0 2.75%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $265,000 $265,000 $2,924 2.63%
    Shelby, NC (FHA|USDA|VA) 2 $260,000 $130,000 $0 2.75%
    Albemarle, NC (FHA|USDA|VA) 1 $235,000 $235,000 $3,040 2.88%
    Roanoke Rapids, NC (FHA|USDA|VA) 1 $205,000 $205,000 $3,116 2.63%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $185,000 $185,000 $3,926 3.63%
    Dayton, TN (FHA|USDA|VA) 1 $185,000 $185,000 $2,931 2.63%
    Mount Airy, NC (FHA|USDA|VA) 1 $185,000 $185,000 $0 4.50%
    Kinston, NC (FHA|USDA|VA) 1 $185,000 $185,000 $2,218 2.75%
    TUSCALOOSA, AL (FHA|USDA|VA) 1 $175,000 $175,000 $2,151 2.88%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $175,000 $175,000 $3,396 3.50%
    GAINESVILLE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,065 3.00%
    MOBILE, AL (FHA|USDA|VA) 1 $125,000 $125,000 $2,665 3.38%
    SEBRING-AVON PARK, FL (FHA|USDA|VA) 1 $115,000 $115,000 $2,903 2.88%
    JACKSONVILLE, NC (FHA|USDA|VA) 1 $85,000 $85,000 $3,390 3.63%
    Union, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.00%
    Laurinburg, NC (FHA|USDA|VA) 1 $25,000 $25,000 $2,427 3.63%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $15,000 $15,000 $0 3.25%
    United Community Bank's top markets include Atlanta, Raleigh, Greenville, Charleston, and Asheville among others.

    Their top states include:
  • Georgia (FHA|USDA|VA)
  • North Carolina (FHA|USDA|VA)
  • South Carolina (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Tennessee (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against United Community Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,119 $2,510,085,000 $352,590 $4,452 3.11%
    HELOC 3,264 $446,700,000 $136,857 n/a 2.98%
    FHA 333 $73,675,000 $221,246 $7,344 2.99%
    VA 157 $46,705,000 $297,484 $6,804 2.77%
    USDA 96 $18,340,000 $191,042 $5,264 2.88%

    For 2021, United Community Bank's most frequently originated type of loan was Conventional, with 7,119 originations. Their 2nd most popular type was HELOC, with 3,264 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,138 $1,615,790,000 $390,476 $5,528 3.08%
    Refi 2,971 $776,795,000 $261,459 $3,599 3.01%
    Cash Out Refi 1,587 $456,685,000 $287,766 $4,081 3.11%
    Home Improvement 1,292 $133,250,000 $103,135 $2,046 3.06%
    Other 981 $112,985,000 $115,173 $439 3.04%

    For 2021, United Community Bank's most frequently cited loan purpose was Home Purchase, with 4,138 originations. The 2nd most popular reason was Refi, with 2,971 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 4,789 $1,563,975,000 $326,577 $4,611 3.09%
    Other 3,455 $584,875,000 $169,284 $2,844 3.02%
    30+ year 1,195 $606,965,000 $507,921 $6,811 3.06%
    15 Year 898 $179,550,000 $199,944 $3,000 2.85%
    20 Year 267 $57,695,000 $216,086 $3,318 3.04%
    5 Year 178 $53,440,000 $300,225 $393 4.03%
    10 Year 161 $31,805,000 $197,547 $2,206 3.15%
    1 Year 20 $11,410,000 $570,500 $2,527 4.16%
    3 Year 6 $5,790,000 $965,000 $2 3.45%

    For 2021, United Community Bank's most frequently cited loan duration was 30 Year, with 4,789 originations. The 2nd most popular length was Other, with 3,455 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,292 $957,210,000 $290,769
    $1k-2k 2,644 $883,010,000 $333,967
    $2k-3k 639 $202,595,000 $317,050
    $5k+ 347 $221,185,000 $637,421
    $3k-4k 291 $106,175,000 $364,863
    $4k-5k 200 $75,900,000 $379,500

    United Community Bank's average total fees were $4,611, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,292 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 4,314 $1,307,770,000 $303,146
    3-4% 3,697 $989,035,000 $267,524
    <2.5% 2,277 $680,905,000 $299,036
    4-5% 564 $107,730,000 $191,011
    5-6% 72 $7,580,000 $105,278
    6-7% 37 $2,135,000 $57,703
    7-8% 4 $280,000 $70,000
    Over 8% 4 $70,000 $17,500

    During 2021, United Community Bank's average interest rate for loans was 3.09%, while their most frequently originated rate bucket for loans was 2.5-3%, with 4,314 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,626 $1,014,350,000 $279,744 $4,619 3.03%
    $100k-200k 2,852 $419,120,000 $146,957 $3,631 3.08%
    $100,000 or less 2,396 $129,070,000 $53,869 $1,998 3.21%
    $400k-600k 1,221 $591,705,000 $484,607 $5,679 3.02%
    $600k-1MM 636 $482,530,000 $758,695 $6,811 2.77%
    $1MM+ 238 $458,730,000 $1,927,437 $10,416 2.85%

    2021 saw United Community Bank place emphasis on $200k-400k loans with 3,626 originations, totaling $1,014,350,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,199 $561,645,000 $255,409 $4,641 3.05%
    $50k-75k 2,027 $352,205,000 $173,757 $4,160 3.10%
    $150k-250k 1,821 $635,565,000 $349,020 $5,313 2.96%
    $75k-100k 1,580 $333,840,000 $211,291 $4,436 3.08%
    $50k or less 1,524 $187,290,000 $122,894 $3,479 3.18%
    $250k+ 1,273 $748,535,000 $588,009 $6,494 2.88%

    United Community Bank lent most frequently to those with incomes in the $100k-150k range, with 2,199 originations. The second most popular income band? $50k-75k, with 2,027 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,731 $713,415,000 $261,228 $4,447 2.99%
    30-36% 2,068 $579,860,000 $280,397 $4,747 3.09%
    <20% 1,610 $415,900,000 $258,323 $4,337 2.89%
    39% 435 $123,115,000 $283,023 $5,135 3.15%
    38% 396 $115,880,000 $292,626 $4,793 3.08%
    37% 379 $117,095,000 $308,958 $4,937 3.04%
    40% 371 $120,085,000 $323,679 $5,131 3.11%
    36% 356 $101,700,000 $285,674 $4,738 3.12%
    42% 348 $98,890,000 $284,167 $4,890 3.07%
    41% 338 $97,570,000 $288,669 $4,769 3.09%
    44% 330 $76,610,000 $232,152 $4,093 3.18%
    43% 310 $80,670,000 $260,226 $4,645 3.12%
    45% 212 $51,250,000 $241,745 $4,646 3.12%
    47% 181 $36,945,000 $204,116 $4,194 2.89%
    50-60% 162 $44,710,000 $275,988 $6,393 2.95%
    46% 140 $34,040,000 $243,143 $4,356 2.97%
    48% 138 $33,250,000 $240,942 $4,565 2.96%
    49% 95 $22,525,000 $237,105 $4,520 3.12%
    >60% 73 $14,705,000 $201,438 $1,873 3.77%

    United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 2,731 originations. The next most common DTI ratio? 30-36%, with 2,068 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 9,312 $2,502,520,000 $268,741 $4,581 3.05%
    Not applicable 212 $202,980,000 $957,453 $0 3.89%
    Not provided 808 $198,160,000 $245,248 $4,770 3.00%
    Black 388 $108,560,000 $279,794 $5,385 3.08%
    Asian 144 $53,140,000 $369,028 $5,349 2.91%
    American Indian 56 $13,870,000 $247,679 $5,253 3.20%
    Asian Indian 30 $11,280,000 $376,000 $4,969 2.78%
    Other Asian 8 $2,390,000 $298,750 $5,209 2.92%
    Chinese 4 $1,140,000 $285,000 $4,413 3.24%
    Native Hawaiian or Islander 2 $400,000 $200,000 $3,195 3.38%
    Korean 1 $365,000 $365,000 $6,751 2.38%
    Vietnamese 1 $325,000 $325,000 $3,477 3.50%
    Japanese 1 $285,000 $285,000 $3,007 2.38%
    Other Pacific Islander 1 $55,000 $55,000 $1,811 4.27%
    Filipino 1 $35,000 $35,000 $0 3.25%

    Approval Rates

    Total approvals of all applications
    85.32%

    United Community Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.15%

    United Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 10,969 $3,095,505,000 $282,205

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    10,969 $3,095,505,000 $282,205

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,627 $250,775,000 $154,133 $3,303 3.02%
    40-60% 1,911 $621,475,000 $325,209 $3,967 2.94%
    60-80% 3,419 $1,306,705,000 $382,189 $4,825 3.07%
    80-100% 2,397 $793,755,000 $331,145 $5,227 3.14%
    Over 100% 41 $13,695,000 $334,024 $12,213 2.92%
    Under 20% 1,560 $107,000,000 $68,590 $1,319 3.12%

    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 149 Brackett's Way Blairsville, GA 30512 Full Service B&M $40,855
    United Community Bank 102 East Main Street Clayton, NC 27520 Full Service B&M $111,094
    United Community Bank 10514 Kingston Pike Knoxville, TN 37922 Full Service B&M $60,255
    United Community Bank 106 West College Street Simpsonville, SC 29681 Full Service B&M $85,566
    United Community Bank 108 East Main Street Duncan, SC 29334 Full Service B&M $48,650
    United Community Bank 1087 Hunters Crossing Alcoa, TN 37701 Full Service B&M $34,504
    United Community Bank 109 Highway 53 West Dawsonville, GA 30534 Full Service B&M $168,180
    United Community Bank 109 Scranton Connector Brunswick, GA 31521 Full Service B&M $122,686
    United Community Bank 115 E. Burleigh Boulevard Tavares, FL 32778 Full Service B&M $60,000
    United Community Bank 115 Four Oaks Place Dunn, NC 28334 Full Service B&M $20,928
    United Community Bank 11500 Asheville Highway Inman, SC 29349 Full Service B&M $58,478
    United Community Bank 116 Peachtree Street Murphy, NC 28906 Full Service B&M $228,611
    United Community Bank 118 Whitfield Drive Jasper, GA 30143 Full Service B&M $93,686
    United Community Bank 15 Cedartown Street Cave Spring, GA 30124 Full Service B&M $37,536
    United Community Bank 1500 Commerce Drive Peachtree City, GA 30269 Full Service B&M $90,828
    United Community Bank 1510 Old Trolley Road Summerville, SC 29485 Full Service B&M $40,046
    United Community Bank 1524 East Main Street Easley, SC 29640 Full Service B&M $37,947
    United Community Bank 1528 North Hwy 74 Tyrone, GA 30290 Full Service B&M $79,254
    United Community Bank 153 East Kytle Street Cleveland, GA 30528 Full Service B&M $228,103
    United Community Bank 160 West Main Street Brevard, NC 28712 Full Service B&M $76,082
    United Community Bank 1627-A Church Street Conway, SC 29526 Full Service B&M $36,195
    United Community Bank 1640 East Main Street Sylva, NC 28779 Full Service B&M $82,064
    United Community Bank 165 North Main Street Waynesville, NC 28786 Full Service B&M $110,747
    United Community Bank 1701 North Oak Street Myrtle Beach, SC 29577 Full Service B&M $102,409
    United Community Bank 177 Highway 515 East Blairsville, GA 30512 Full Service B&M $1,042,193
    United Community Bank 207 North Cambridge Ninety Six, SC 29666 Full Service B&M $44,986
    United Community Bank 210 General Daniel Avenue Danielsville, GA 30633 Full Service B&M $67,655
    United Community Bank 2101 Woodruff Road Greenville, SC 29607 Full Service B&M $50,237
    United Community Bank 214 North Main Street Hiawassee, GA 30546 Full Service B&M $260,205
    United Community Bank 2157 Sandridge Court Gainesville, GA 30501 Full Service B&M $89,652
    United Community Bank 2160 W Spring St Monroe, GA 30655 Full Service B&M $35,425
    United Community Bank 2168 Scenic Highway Snellville, GA 30078 Full Service B&M $88,508
    United Community Bank 2215 Riverstone Boulevard Canton, GA 30114 Full Service B&M $183,218
    United Community Bank 2222 Ponde De Leon Blvd, Suite 101 Coral Gables, FL 33134 Full Service B&M $42,199
    United Community Bank 2225 East Victory Drive Savannah, GA 31404 Full Service B&M $69,066
    United Community Bank 223 North 3rd Street Kingston, TN 37763 Full Service B&M $64,296
    United Community Bank 2230 Riverside Parkway Lawrenceville, GA 30043 Full Service B&M $368,414
    United Community Bank 307 East 2nd Avenue Rome, GA 30162 Full Service B&M $275,162
    United Community Bank 309 Southeast Osceola Street, Suite 106 Stuart, FL 34994 Full Service B&M $22,801
    United Community Bank 311 South Limestone Street Gaffney, SC 29340 Full Service B&M $68,260
    United Community Bank 3187 Highway 9 East Little River, SC 29566 Full Service B&M $39,425
    United Community Bank 325 N Judd Parkway, N.E. Fuquay Varina, NC 27526 Full Service B&M $91,209
    United Community Bank 3273 U.S. Highway 441 North Whittier, NC 28789 Full Service B&M $51,436
    United Community Bank 3310 Henderson Mill Road Atlanta, GA 30341 Full Service B&M $97,016
    United Community Bank 351 Jesse Jewell Pkwy Gainesville, GA 30501 Full Service B&M $300,633
    United Community Bank 3781 Sixes Road Canton, GA 30114 Full Service B&M $57,953
    United Community Bank 3785 Mundy Mill Road Oakwood, GA 30566 Full Service B&M $154,602
    United Community Bank 3995 Sc Highway 9 Boiling Springs, SC 29316 Full Service B&M $55,719
    United Community Bank 4000 Appalachian Highway Blue Ridge, GA 30513 Full Service B&M $425,623
    United Community Bank 4705 South Apopka Vineland Road, Suite 120 Orlando, FL 32819 Full Service B&M $164,499
    United Community Bank 4711 Six Forks Road Raleigh, NC 27609 Full Service B&M $47,329
    United Community Bank 485 W. Bankhead Highway Villa Rica, GA 30180 Full Service B&M $35,476
    United Community Bank 4970 Bill Gardner Parkway Locust Grove, GA 30248 Full Service B&M $60,504
    United Community Bank 50 United Bank Drive Etowah, NC 28729 Full Service B&M $60,833
    United Community Bank 5009 Broad Street Loris, SC 29569 Full Service B&M $93,042
    United Community Bank 501 Church Street Laurens, SC 29360 Full Service B&M $77,478
    United Community Bank 5100 Dallas Highway Powder Springs, GA 30127 Full Service B&M $131,479
    United Community Bank 5125 Atlanta Highway Alpharetta, GA 30004 Full Service B&M $54,942
    United Community Bank 516 Hwy 441 S Clayton, GA 30525 Full Service B&M $162,180
    United Community Bank 5172 Cleveland Hwy Gainesville, GA 30506 Full Service B&M $71,345
    United Community Bank 52 Burnt Church Road Bluffton, SC 29910 Full Service B&M $44,257
    United Community Bank 6670 Church Street Douglasville, GA 30134 Full Service B&M $44,793
    United Community Bank 700 West Morse Blvd., Suite 100 Winter Park, FL 32789 Full Service B&M $216,459
    United Community Bank 701 Montague Avenue Greenwood, SC 29649 Full Service B&M $114,012
    United Community Bank 71 Bullsboro Newnan, GA 30265 Full Service B&M $62,539
    United Community Bank 732 Main Street Andrews, NC 28901 Full Service B&M $71,633
    United Community Bank 7400 Adairsville Hwy Adairsville, GA 30103 Full Service B&M $85,078
    United Community Bank 780 Us Highway 29 North Athens, GA 30601 Full Service B&M $130,535
    United Community Bank 800 Summit Avenue Spruce Pine, NC 28777 Full Service B&M $87,750
    United Community Bank 8036 Valley Blvd Blowing Rock, NC 28605 Full Service B&M $42,462
    United Community Bank 805 North Arendell Avenue Zebulon, NC 27597 Full Service B&M $83,171
    United Community Bank 809 West Wade Hampton Boulevard Greer, SC 29650 Full Service B&M $51,582
    United Community Bank 815 North Main Street Anderson, SC 29621 Full Service B&M $93,374
    United Community Bank 9699 Rome Boulevard Summerville, GA 30747 Full Service B&M $146,813
    United Community Bank 10 Park Place East Brevard, NC 28712 Full Service B&M $59,819
    United Community Bank 100 Colonial Center Parkway Lake Mary, FL 32746 Full Service B&M $56,676
    United Community Bank 1000 Georgia Hwy138 Se Conyers, GA 30013 Full Service B&M $215,581
    United Community Bank 101 West Main Street Laurens, SC 29360 Full Service B&M $137,612
    United Community Bank 1010 Plant Avenue Waycross, GA 31501 Full Service B&M $37,814
    United Community Bank 1015 Buford Highway Cumming, GA 30041 Full Service B&M $84,431
    United Community Bank 119 Maple Street Carrollton, GA 30117 Full Service B&M $308,505
    United Community Bank 11915 Plaza Drive Murrells Inlet, SC 29576 Full Service B&M $41,770
    United Community Bank 1220 Richard Sailors Parkway Powder Springs, GA 30127 Full Service B&M $111,996
    United Community Bank 128 North Second Street Smithfield, NC 27577 Full Service B&M $115,615
    United Community Bank 1300 2nd Avenue Conway, SC 29526 Full Service B&M $27,816
    United Community Bank 132 Rodney Orr Bypass Robbinsville, NC 28771 Full Service B&M $101,030
    United Community Bank 1320 Joe Frank Harris Parkway Cartersville, GA 30120 Full Service B&M $46,327
    United Community Bank 1400 Augusta Street Greenville, SC 29605 Full Service B&M $181,103
    United Community Bank 14031 Highway 27 Trion, GA 30753 Full Service B&M $32,680
    United Community Bank 1408 Garner Station Boulevard Raleigh, NC 27603 Full Service B&M $35,130
    United Community Bank 145 Slope Street Bryson City, NC 28713 Full Service B&M $128,535
    United Community Bank 1472 441 By-Pass Cornelia, GA 30531 Full Service B&M $190,294
    United Community Bank 1800 North Military Trail, Suite 100 Boca Raton, FL 33431 Full Service B&M $96,865
    United Community Bank 182 Blue Ridge Drive Mccaysville, GA 30555 Full Service B&M $96,049
    United Community Bank 1999 Main Street Sarasota, FL 34236 Full Service B&M $74,229
    United Community Bank 20 Frank Allen Road Cashiers, NC 28717 Full Service B&M $110,196
    United Community Bank 200 Cherokee Street Marietta, GA 30090 Full Service B&M $415,317
    United Community Bank 200 East Church Street Benson, NC 27504 Full Service B&M $44,419
    United Community Bank 200 Glen Road Garner, NC 27529 Full Service B&M $41,550
    United Community Bank 200 Linville Street Newland, NC 28657 Full Service B&M $57,238
    United Community Bank 2001 Commercial Drive, South Brunswick, GA 31525 Full Service B&M $67,681
    United Community Bank 201 South Orange Avenue, Suite 1350 Orlando, FL 32801 Full Service B&M $383,246
    United Community Bank 201 West Center Street Holly Springs, NC 27540 Full Service B&M $45,625
    United Community Bank 2055 Homer Road Commerce, GA 30529 Full Service B&M $110,683
    United Community Bank 206 Morrison Moore Parkway Dahlonega, GA 30533 Full Service B&M $201,615
    United Community Bank 2456 Mars Hill Road Athens, GA 30606 Full Service B&M $26,598
    United Community Bank 2461 Demere Road St. Simons Island, GA 31522 Full Service B&M $79,853
    United Community Bank 2520 Chimney Rock Road Hendersonville, NC 28792 Full Service B&M $78,133
    United Community Bank 2525 Keith St Nw Cleveland, TN 37312 Full Service B&M $66,648
    United Community Bank 257 East Main Street Franklin, NC 28734 Full Service B&M $90,257
    United Community Bank 257 Medical Park Drive Lenoir City, TN 37771 Full Service B&M $279,011
    United Community Bank 27 Bull Street Savannah, GA 31401 Full Service B&M $115,649
    United Community Bank 2760 Martha Berry Highway Rome, GA 30165 Full Service B&M $46,344
    United Community Bank 290 Village Square Loudon, TN 37774 Full Service B&M $116,729
    United Community Bank 291 East Us Highway 19e Burnsville, NC 28714 Full Service B&M $76,018
    United Community Bank 300 North Weston Street Fountain Inn, SC 29644 Full Service B&M $68,137
    United Community Bank 3001 Tamiami Trail North Naples, FL 34103 Full Service B&M $10,039
    United Community Bank 306 East North Street Greenville, SC 29601 Full Service B&M $198,486
    United Community Bank 401 West Butler Road Mauldin, SC 29662 Full Service B&M $46,984
    United Community Bank 4018 Forest Dr Columbia, SC 29204 Full Service B&M $5,098
    United Community Bank 403 South Brightleaf Boulevard Smithfield, NC 27577 Limited, Drive-thru $0
    United Community Bank 406 East Main Street Wallace, NC 28466 Full Service B&M $93,542
    United Community Bank 420 Royal Palm Way, Suite 200 Palm Beach, FL 33480 Full Service B&M $14,597
    United Community Bank 4290 Professional Center Drive, Ste 201 Palm Beach Gardens, FL 33410 Full Service B&M $51,447
    United Community Bank 4356 South Lee Street Buford, GA 30518 Full Service B&M $160,327
    United Community Bank 4365 Browns Bridge Road Cumming, GA 30041 Full Service B&M $357,969
    United Community Bank 449 East Main Street Spartanburg, SC 29302 Full Service B&M $96,605
    United Community Bank 450 East Las Olas Blvd Suite 150 Fort Lauderdale, FL 33301 Full Service B&M $110,243
    United Community Bank 468 West Louise Street Clarkesville, GA 30523 Full Service B&M $130,824
    United Community Bank 470 Haywood Road Greenville, SC 29607 Full Service B&M $60,509
    United Community Bank 525 North Jeff Davis Drive Fayetteville, GA 30214 Full Service B&M $156,028
    United Community Bank 5346 Sunset Blvd Lexington, SC 29072 Full Service B&M $9,852
    United Community Bank 54 N Mitchell Ave Bakersville, NC 28705 Full Service B&M $55,032
    United Community Bank 5426 Bay Center Drive Tampa, FL 33609 Full Service B&M $84,515
    United Community Bank 558 Industrial Boulevard Ellijay, GA 30540 Full Service B&M $305,122
    United Community Bank 5679 Appalachian Highway Blue Ridge, GA 30513 Full Service B&M $11,456
    United Community Bank 570 Roe Center Court Travelers Rest, SC 29690 Full Service B&M $27,898
    United Community Bank 6144 Us Highway 301 South Four Oaks, NC 27524 Full Service B&M $117,373
    United Community Bank 617 Hwy. 17 South North Myrtle Beach, SC 29582 Full Service B&M $55,009
    United Community Bank 6372 Highway 53 East Dawsonville, GA 30534 Full Service B&M $136,964
    United Community Bank 65 Washington Street Fairburn, GA 30213 Full Service B&M $227,860
    United Community Bank 6600 Mcginnis Ferry Road Duluth, GA 30097 Full Service B&M $102,073
    United Community Bank 817 Mulberry Street Loudon, TN 37774 Full Service B&M $47,911
    United Community Bank 820 North Highway A1a, Suite E-11 Ponte Vedra Beach, FL 32082 Full Service B&M $80,869
    United Community Bank 8201 White Bluff Rd Savannah, GA 31406 Full Service B&M $46,631
    United Community Bank 8460 Hwy 75 N Helen, GA 30545 Limited, Drive-thru $52,250
    United Community Bank 850 Eagle's Landing Parkway Stockbridge, GA 30281 Full Service B&M $178,724
    United Community Bank 865 Hampton Road Mcdonough, GA 30253 Full Service B&M $47,902
    United Community Bank 875 Lowcountry Boulevard Mount Pleasant, SC 29464 Full Service B&M $107,621
    United Community Bank 901 South Mechanic Street Pendleton, SC 29670 Full Service B&M $78,923
    United Community Bank 9100 Covington Bypass Covington, GA 30014 Full Service B&M $57,041
    United Community Bank 922 E Main St Laurens, SC 29360 Full Service Cyber Office $33,064
    United Community Bank 946 Orleans Road Charleston, SC 29407 Full Service B&M $97,910
    United Community Bank 95 U.S. Highway 64 West Hayesville, NC 28904 Full Service B&M $103,024

    For 2021, United Community Bank had 154 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $575,631
    Net interest income $559,873
    Total noninterest income $153,230
    Gross Fiduciary activities income $4,257
    Service charges on deposit accounts $20,004
    Trading account gains and fees $3,288
    Additional Noninterest Income $125,681
    Pre-tax net operating income $362,887
    Securities gains (or losses, -) $83
    Income before extraordinary items $278,092
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $278,092
    Minority interest net income $0
    Net income $278,092
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $278,026

    United Community Bank's gross interest income from loans was $575,631,000.
    United Community Bank's net interest income from loans was $559,873,000.
    United Community Bank's fee based income from loans was $20,004,000.
    United Community Bank's net income from loans was $278,092,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $15,758
    Provision for credit losses $-37,550
    Total noninterest expense $387,766
    Salaries and employee benefits $226,714
    Premises and equipment expense $36,669
    Additional noninterest expense $124,383
    Applicable income taxes $84,878
    Net charge-offs $38
    Cash dividends $217,000

    United Community Bank's interest expense for loans was $15,758,000.
    United Community Bank's payroll and benefits expense were $226,714,000.
    United Community Bank's property, plant and equipment expenses $36,669,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    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 $18,549,091
    Deposits held in domestic offices $18,549,091
    Deposits by Individuals, partnerships, and corporations $16,009,749
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $2,462,360
    Deposits by Commercial banks and other depository institutions in U.S. $76,982
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $11,232,705
    Demand deposits $7,677,899
    Nontransaction accounts $7,316,386
    Money market deposit accounts (MMDAs) $4,600,295
    Other savings deposits (excluding MMDAs) $1,209,640
    Total time deposits $1,506,451
    Total time and savings deposits $10,871,192
    Noninterest-bearing deposits $6,962,767
    Interest-bearing deposits $11,586,324
    Retail deposits $18,103,121
    IRAs and Keogh plan accounts $274,879
    Brokered deposits $190,358
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $20,897,645
    Cash & Balances due from depository institutions $2,295,247
    Interest-bearing balances $2,082,119
    Total securities $5,644,948
    Federal funds sold & reverse repurchase $27,000
    Net loans and leases $11,701,923
    Loan and leases loss allowance $102,532
    Trading account assets $29,631
    Bank premises and fixed assets $267,844
    Other real estate owned $1,144
    Goodwill and other intangibles $482,639
    All other assets $447,269

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $20,897,645
    Total Liabilities $18,746,962
    Total deposits $18,549,091
    Interest-bearing deposits $11,586,324
    Deposits held in domestic offices $18,549,091
    % insured (estimated) $57
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $19,895
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $177,976

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $11,701,923
    Loan and leases loss allowance $102,532
    Total loans and leases (domestic) $11,804,455
    All real estate loans $8,673,217
    Real estate loans in domestic offices $8,673,217
    Construction and development loans $1,374,645
    Residential 1-4 family construction $451,445
    Other construction, all land development and other land $923,200
    Loans secured by nonfarm nonresidential properties $4,482,671
    Nonfarm nonresidential secured by owner-occupied properties $2,231,009
    Commercial real estate & other non-farm, non-residential $2,251,662
    Multifamily residential real estate $170,996
    1-4 family residential loans $2,610,529
    Farmland loans $34,376
    Loans held in foreign offices $0
    Farm loans $4,569
    Commercial and industrial loans $2,926,203
    To non-U.S. addressees $0
    Loans to individuals $137,048
    Credit card loans $0
    Related Plans $25,164
    Consumer Auto Loans $40,282
    Other loans to individuals $71,602
    All other loans & leases $63,419
    Loans to foreign governments and official institutions $0
    Other loans $2,115
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $97,923
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $40,422
    Non 1-4 family restructured loans & leases $26,519
    Total loans and leases (foreign) $0

    United Community Bank had $11,701,923,000 of loans outstanding in 2021. $8,673,217,000 of loans were in real estate loans. $1,374,645,000 of loans were in development loans. $170,996,000 of loans were in multifamily mortgage loans. $2,610,529,000 of loans were in 1-4 family mortgage loans. $4,569,000 of loans were in farm loans. $0 of loans were in credit card loans. $40,282,000 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 3,889 $1,088,222 $279,821
    Nonfarm, nonresidential loans - <$100k 447 $19,461 $43,537
    Nonfarm, nonresidential loans - $100-250k 1,119 $135,010 $120,652
    Nonfarm, nonresidential loans - $250k-1MM 2,323 $933,751 $401,959
    Commercial & Industrial, US addressed loans - <$1MM 35,729 $1,540,370 $43,113
    Commercial & Industrial, US addressed loans - <$100k 28,957 $547,842 $18,919
    Commercial & Industrial, US addressed loans - $100-250k 4,565 $405,868 $88,909
    Commercial & Industrial, US addressed loans - $250k-1MM 2,207 $586,660 $265,818
    Farmland loans - <$1MM 162 $14,578 $89,988
    Farmland loans - <$100k 72 $2,349 $32,625
    Farmland loans - $100-250k 64 $6,313 $98,641
    Farmland loans - $250k-1MM 26 $5,916 $227,538
    Agriculture operations loans - <$1MM 89 $3,954 $44,427
    Agriculture operations loans - <$100k 72 $1,313 $18,236
    Agriculture operations loans - $100-250k 13 $1,636 $125,846
    Agriculture operations loans - $250k-1MM 4 $1,005 $251,250