United Community Bank Mortgage Rates, Fees & Info

Blairsville, GA

LEI: T68X8LLAQYRNDV034K14

Tax ID: 58-0554454

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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    • Review & Overview

    United Community Bank is a small 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 127 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 a low 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.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/21/24
    30 Year Conventional Purchase 6.76% 4/21/24
    30 Year Conventional Refi 6.56% 4/21/24
    30 Year Cash-out Refi 6.79% 4/21/24
    30 Year FHA Purchase 7.19% 4/21/24
    30 Year FHA Refi 7.29% 4/21/24
    30 Year VA Purchase 6.17% 4/21/24
    30 Year USDA Purchase 6.74% 4/21/24
    15 Year Conventional Purchase 6.85% 4/21/24
    15 Year Conventional Refi 6.08% 4/21/24
    15 Year Cash-out Refi 6.08% 4/21/24
    15 Year FHA Purchase 5.68% 4/21/24
    15 Year VA Refi 5.68% 4/21/24
    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.

    United Community Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from United Community Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    11,303

    Origination Dollar Volume (All Markets)

    $2,665,205,000

    Employee count

    2,393 Show all (19) awards

    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) 2,593 $635,935,000 $245,251 $4,722 3.13%
    Outside of Metro Areas 2,322 $427,090,000 $183,932 $4,042 3.19%
    RALEIGH-CARY, NC (FHA|USDA|VA) 686 $185,620,000 $270,583 $4,012 3.20%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 756 $156,120,000 $206,508 $3,841 3.08%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 310 $141,610,000 $456,806 $5,128 3.20%
    ASHEVILLE, NC (FHA|USDA|VA) 513 $134,585,000 $262,349 $4,050 3.18%
    KNOXVILLE, TN (FHA|USDA|VA) 395 $95,445,000 $241,633 $4,296 3.12%
    DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 161 $69,085,000 $429,099 $4,458 3.28%
    GAINESVILLE, GA (FHA|USDA|VA) 299 $67,065,000 $224,298 $4,267 3.14%
    SAVANNAH, GA (FHA|USDA|VA) 195 $61,055,000 $313,103 $5,151 3.26%
    CLEVELAND, TN (FHA|USDA|VA) 309 $58,295,000 $188,657 $4,213 3.19%
    BRUNSWICK, GA (FHA|USDA|VA) 193 $48,365,000 $250,596 $4,940 3.15%
    Brevard, NC (FHA|USDA|VA) 198 $43,080,000 $217,576 $4,201 3.19%
    SPARTANBURG, SC (FHA|USDA|VA) 233 $40,575,000 $174,142 $3,492 3.11%
    Cullowhee, NC (FHA|USDA|VA) 141 $39,455,000 $279,823 $5,381 3.17%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 197 $35,585,000 $180,635 $3,786 3.19%
    ROME, GA (FHA|USDA|VA) 187 $32,115,000 $171,738 $3,846 3.32%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 90 $30,310,000 $336,778 $5,405 3.04%
    ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) 111 $28,405,000 $255,901 $3,696 3.65%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 81 $27,025,000 $333,642 $4,033 3.08%
    Cornelia, GA (FHA|USDA|VA) 148 $24,130,000 $163,041 $3,471 3.20%
    COLUMBIA, SC (FHA|USDA|VA) 67 $19,025,000 $283,955 $6,549 3.53%
    Boone, NC (FHA|USDA|VA) 48 $17,890,000 $372,708 $5,214 3.06%
    CHATTANOOGA, TN-GA (FHA|USDA|VA) 71 $16,345,000 $230,211 $3,829 3.22%
    Summerville, GA (FHA|USDA|VA) 148 $15,600,000 $105,405 $3,594 3.27%
    Jefferson, GA (FHA|USDA|VA) 75 $14,895,000 $198,600 $3,877 3.25%
    Seneca, SC (FHA|USDA|VA) 42 $12,510,000 $297,857 $4,696 3.18%
    Sevierville, TN (FHA|USDA|VA) 17 $10,875,000 $639,706 $5,042 3.27%
    Georgetown, SC (FHA|USDA|VA) 23 $10,095,000 $438,913 $4,739 3.25%
    GREENVILLE, NC (FHA|USDA|VA) 5 $7,835,000 $1,567,000 $3,204 3.74%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 19 $7,315,000 $385,000 $5,219 2.80%
    Greenwood, SC (FHA|USDA|VA) 53 $7,275,000 $137,264 $4,349 2.94%
    FAYETTEVILLE, NC (FHA|USDA|VA) 39 $7,245,000 $185,769 $4,355 3.12%
    Forest City, NC (FHA|USDA|VA) 24 $5,840,000 $243,333 $5,082 3.28%
    Cedartown, GA (FHA|USDA|VA) 28 $5,500,000 $196,429 $4,900 3.47%
    Calhoun, GA (FHA|USDA|VA) 33 $5,385,000 $163,182 $3,852 3.27%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 10 $4,880,000 $488,000 $7,734 3.00%
    WILMINGTON, NC (FHA|USDA|VA) 11 $4,535,000 $412,273 $3,526 3.43%
    JACKSONVILLE, FL (FHA|USDA|VA) 13 $4,495,000 $345,769 $4,426 3.00%
    Athens, TN (FHA|USDA|VA) 25 $4,405,000 $176,200 $3,810 3.19%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $4,225,000 $603,571 $10,763 2.68%
    Gaffney, SC (FHA|USDA|VA) 33 $4,025,000 $121,970 $2,995 3.40%
    LaGrange, GA-AL (FHA|USDA|VA) 25 $3,985,000 $159,400 $5,088 3.21%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 13 $3,825,000 $294,231 $7,523 3.14%
    HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 14 $3,560,000 $254,286 $4,112 3.23%
    GOLDSBORO, NC (FHA|USDA|VA) 5 $3,555,000 $711,000 $4,658 3.01%
    Toccoa, GA (FHA|USDA|VA) 20 $3,510,000 $175,500 $3,042 3.37%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 13 $3,505,000 $269,615 $3,899 2.95%
    Morehead City, NC (FHA|USDA|VA) 13 $3,185,000 $245,000 $3,861 3.20%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 12 $3,170,000 $264,167 $4,001 3.11%
    FLORENCE, SC (FHA|USDA|VA) 11 $3,155,000 $286,818 $4,724 3.32%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 6 $3,080,000 $513,333 $8,024 3.21%
    MORRISTOWN, TN (FHA|USDA|VA) 4 $2,900,000 $725,000 $4,222 3.17%
    GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) 13 $2,895,000 $222,692 $3,131 3.11%
    Orangeburg, SC (FHA|USDA|VA) 7 $2,795,000 $399,286 $5,027 3.54%
    Newberry, SC (FHA|USDA|VA) 10 $2,650,000 $265,000 $5,650 3.56%
    Alexander City, AL (FHA|USDA|VA) 7 $2,575,000 $367,857 $4,092 3.07%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 5 $2,495,000 $499,000 $10,082 2.83%
    AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) 14 $2,320,000 $165,714 $3,865 3.44%
    Vidalia, GA (FHA|USDA|VA) 14 $2,300,000 $164,286 $4,840 2.97%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 6 $1,950,000 $325,000 $4,151 3.21%
    Marion, NC (FHA|USDA|VA) 9 $1,895,000 $210,556 $3,985 3.11%
    St. Marys, GA (FHA|USDA|VA) 8 $1,850,000 $231,250 $3,739 3.06%
    DALTON, GA (FHA|USDA|VA) 11 $1,755,000 $159,545 $4,373 2.93%
    BURLINGTON, NC (FHA|USDA|VA) 6 $1,720,000 $286,667 $3,228 3.27%
    Crossville, TN (FHA|USDA|VA) 6 $1,450,000 $241,667 $4,008 2.90%
    Waycross, GA (FHA|USDA|VA) 14 $1,400,000 $100,000 $2,934 3.34%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 4 $1,380,000 $345,000 $3,284 2.69%
    JACKSONVILLE, NC (FHA|USDA|VA) 4 $1,200,000 $300,000 $4,544 3.00%
    MACON-BIBB COUNTY, GA (FHA|USDA|VA) 4 $1,100,000 $275,000 $4,966 3.66%
    North Wilkesboro, NC (FHA|USDA|VA) 2 $1,060,000 $530,000 $3,066 3.19%
    Statesboro, GA (FHA|USDA|VA) 6 $990,000 $165,000 $3,684 3.35%
    WINSTON-SALEM, NC (FHA|USDA|VA) 6 $970,000 $161,667 $4,144 3.13%
    PANAMA CITY, FL (FHA|USDA|VA) 3 $955,000 $318,333 $3,678 3.29%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 3 $925,000 $308,333 $5,949 3.38%
    COLUMBUS, GA-AL (FHA|USDA|VA) 4 $910,000 $227,500 $6,322 2.63%
    PUNTA GORDA, FL (FHA|USDA|VA) 2 $770,000 $385,000 $4,180 3.20%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $750,000 $375,000 $5,148 3.25%
    MOBILE, AL (FHA|USDA|VA) 1 $735,000 $735,000 $0 3.95%
    Dayton, TN (FHA|USDA|VA) 6 $710,000 $118,333 $4,151 3.38%
    Sanford, NC (FHA|USDA|VA) 2 $610,000 $305,000 $4,547 2.88%
    Washington, NC (FHA|USDA|VA) 2 $610,000 $305,000 $3,939 3.38%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 2 $600,000 $300,000 $3,783 3.06%
    NEW BERN, NC (FHA|USDA|VA) 3 $555,000 $185,000 $3,211 3.25%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 2 $550,000 $275,000 $2,817 4.19%
    Talladega-Sylacauga, AL (FHA|USDA|VA) 1 $515,000 $515,000 $6,118 3.00%
    JOHNSON CITY, TN (FHA|USDA|VA) 3 $505,000 $168,333 $4,097 3.25%
    ALBANY, GA (FHA|USDA|VA) 3 $475,000 $158,333 $3,272 2.63%
    Henderson, NC (FHA|USDA|VA) 2 $460,000 $230,000 $4,369 3.38%
    GAINESVILLE, FL (FHA|USDA|VA) 2 $440,000 $220,000 $1,690 2.94%
    Tullahoma-Manchester, TN (FHA|USDA|VA) 1 $425,000 $425,000 $3,413 3.00%
    Jesup, GA (FHA|USDA|VA) 4 $420,000 $105,000 $3,350 3.28%
    ANNISTON-OXFORD, AL (FHA|USDA|VA) 3 $395,000 $131,667 $3,028 4.17%
    MONTGOMERY, AL (FHA|USDA|VA) 2 $390,000 $195,000 $2,470 3.25%
    Wilson, NC (FHA|USDA|VA) 4 $390,000 $97,500 $4,537 4.13%
    MEMPHIS, TN-MS-AR (FHA|USDA|VA) 3 $385,000 $128,333 $3,285 3.29%
    SUMTER, SC (FHA|USDA|VA) 4 $380,000 $95,000 $2,943 4.03%
    Dublin, GA (FHA|USDA|VA) 1 $365,000 $365,000 $0 3.49%
    WARNER ROBINS, GA (FHA|USDA|VA) 2 $340,000 $170,000 $3,076 3.13%
    Fort Payne, AL (FHA|USDA|VA) 2 $330,000 $165,000 $3,409 3.63%
    KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) 1 $305,000 $305,000 $0 2.25%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 2 $300,000 $150,000 $3,150 3.31%
    Milledgeville, GA (FHA|USDA|VA) 2 $290,000 $145,000 $3,353 3.63%
    Shelby, NC (FHA|USDA|VA) 1 $265,000 $265,000 $7,672 2.38%
    Martin, TN (FHA|USDA|VA) 1 $255,000 $255,000 $2,957 3.38%
    Albemarle, NC (FHA|USDA|VA) 2 $250,000 $125,000 $2,751 2.88%
    VALDOSTA, GA (FHA|USDA|VA) 2 $250,000 $125,000 $3,863 2.94%
    Thomasville, GA (FHA|USDA|VA) 2 $240,000 $120,000 $3,165 3.56%
    AUBURN-OPELIKA, AL (FHA|USDA|VA) 2 $240,000 $120,000 $3,917 3.06%
    Lumberton, NC (FHA|USDA|VA) 1 $235,000 $235,000 $3,433 2.75%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,710 3.50%
    Cookeville, TN (FHA|USDA|VA) 1 $195,000 $195,000 $9,433 3.00%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $165,000 $165,000 $0 4.37%
    ROCKY MOUNT, NC (FHA|USDA|VA) 1 $165,000 $165,000 $5,966 2.88%
    TALLAHASSEE, FL (FHA|USDA|VA) 1 $155,000 $155,000 $0 2.50%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $155,000 $155,000 $3,838 3.00%
    Lake City, FL (FHA|USDA|VA) 1 $155,000 $155,000 $2,831 3.25%
    DOTHAN, AL (FHA|USDA|VA) 1 $155,000 $155,000 $5,485 2.75%
    Albertville, AL (FHA|USDA|VA) 1 $145,000 $145,000 $3,117 3.88%
    Tifton, GA (FHA|USDA|VA) 1 $145,000 $145,000 $3,241 3.13%
    Newport, TN (FHA|USDA|VA) 1 $125,000 $125,000 $4,317 2.88%
    Mount Airy, NC (FHA|USDA|VA) 1 $125,000 $125,000 $3,006 3.50%
    Rockingham, NC (FHA|USDA|VA) 1 $125,000 $125,000 $4,357 3.38%
    Union, SC (FHA|USDA|VA) 1 $115,000 $115,000 $2,532 2.63%
    Laurinburg, NC (FHA|USDA|VA) 1 $105,000 $105,000 $4,700 2.75%
    Thomaston, GA (FHA|USDA|VA) 1 $75,000 $75,000 $0 2.50%
    HUNTSVILLE, AL (FHA|USDA|VA) 1 $35,000 $35,000 $0 3.00%
    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)
  • Tennessee (FHA|USDA|VA)
  • Florida (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.

    CONSUMER Credit Union
    Similarity Rank: 242
    Patriot Lending Services, Inc.
    Similarity Rank: 304
    DADE COUNTY FEDERAL CREDIT UNION
    Similarity Rank: 304
    FAIR WAY LENDING LLC
    Similarity Rank: 385
    Greenville Heritage Federal Credit Union
    Similarity Rank: 438
    We Florida Financial
    Similarity Rank: 638
    Home Federal Bank of Tennessee
    Similarity Rank: 688
    BLMC, INC
    Similarity Rank: 720
    Amerisouth Mortgage Company
    Similarity Rank: 782
    Opendoor Home Loans LLC
    Similarity Rank: 800

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,410 $2,133,820,000 $287,965 $4,111 3.37%
    HELOC 3,100 $354,000,000 $114,194 n/a 2.78%
    FHA 451 $96,035,000 $212,938 $7,053 2.93%
    VA 189 $53,395,000 $282,513 $5,858 2.90%
    USDA 153 $27,955,000 $182,712 $4,984 2.96%

    For 2020, United Community Bank's most frequently originated type of loan was Conventional, with 7,410 originations. Their 2nd most popular type was HELOC, with 3,100 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 4,349 $1,301,005,000 $299,150 $5,089 3.23%
    Refi 3,503 $844,845,000 $241,178 $3,432 3.19%
    Cash Out Refi 1,400 $327,740,000 $234,100 $3,936 3.43%
    Home Improvement 1,166 $107,850,000 $92,496 $3,695 2.85%
    Other 885 $83,765,000 $94,650 $501 2.84%

    For 2020, United Community Bank's most frequently cited loan purpose was Home Purchase, with 4,349 originations. The 2nd most popular reason was Refi, with 3,503 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 5,413 $1,482,155,000 $273,814 $4,354 3.28%
    Other 3,285 $412,095,000 $125,447 $2,534 2.86%
    15 Year 998 $213,240,000 $213,667 $3,127 3.12%
    30+ year 909 $354,875,000 $390,402 $6,505 3.50%
    20 Year 337 $74,755,000 $221,825 $3,250 3.26%
    10 Year 186 $38,510,000 $207,043 $2,674 3.15%
    5 Year 147 $56,825,000 $386,565 $875 4.27%
    1 Year 18 $6,610,000 $367,222 $9,395 4.81%
    3 Year 10 $26,140,000 $2,614,000 $952 4.27%

    For 2020, United Community Bank's most frequently cited loan duration was 30 Year, with 5,413 originations. The 2nd most popular length was Other, with 3,285 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 3,681 $932,315,000 $253,278
    $1k-2k 2,699 $680,855,000 $252,262
    $2k-3k 709 $195,695,000 $276,016
    $5k+ 317 $182,775,000 $576,577
    $3k-4k 312 $94,680,000 $303,462
    $4k-5k 210 $78,340,000 $373,048

    United Community Bank's average total fees were $4,354, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 3,681 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 5,150 $1,389,840,000 $269,872
    2.5-3% 3,076 $757,820,000 $246,365
    <2.5% 2,257 $367,145,000 $162,669
    4-5% 663 $136,575,000 $205,995
    5-6% 108 $11,150,000 $103,241
    6-7% 37 $2,085,000 $56,351
    7-8% 9 $555,000 $61,667
    Over 8% 2 $30,000 $15,000

    During 2020, United Community Bank's average interest rate for loans was 3.28%, while their most frequently originated rate bucket for loans was 3-4%, with 5,150 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,872 $1,075,420,000 $277,743 $4,522 3.21%
    $100k-200k 3,298 $489,840,000 $148,526 $3,647 3.18%
    $100,000 or less 2,645 $141,345,000 $53,439 $2,353 3.11%
    $400k-600k 1,004 $475,120,000 $473,227 $5,448 3.19%
    $600k-1MM 385 $287,795,000 $747,519 $7,375 3.12%
    $1MM+ 99 $195,685,000 $1,976,616 $10,656 3.19%

    2020 saw United Community Bank place emphasis on $200k-400k loans with 3,872 originations, totaling $1,075,420,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,248 $376,760,000 $167,598 $3,986 3.20%
    $100k-150k 2,216 $519,660,000 $234,504 $4,487 3.17%
    $75k-100k 1,852 $358,510,000 $193,580 $4,215 3.17%
    $50k or less 1,789 $208,465,000 $116,526 $3,578 3.24%
    $150k-250k 1,577 $484,685,000 $307,346 $4,869 3.11%
    $250k+ 1,059 $511,525,000 $483,026 $5,980 3.03%

    United Community Bank lent most frequently to those with incomes in the $50k-75k range, with 2,248 originations. The second most popular income band? $100k-150k, with 2,216 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,918 $665,060,000 $227,916 $4,165 3.11%
    30-36% 2,093 $488,985,000 $233,629 $4,399 3.20%
    <20% 1,809 $364,985,000 $201,761 $3,933 2.97%
    39% 460 $101,080,000 $219,739 $4,572 3.22%
    38% 420 $104,610,000 $249,071 $4,510 3.29%
    37% 378 $95,420,000 $252,434 $4,799 3.19%
    42% 371 $96,015,000 $258,801 $4,788 3.28%
    36% 371 $89,215,000 $240,472 $4,657 3.23%
    40% 362 $91,550,000 $252,901 $4,747 3.22%
    44% 335 $71,495,000 $213,418 $4,140 3.11%
    41% 325 $85,085,000 $261,800 $4,663 3.17%
    43% 277 $65,435,000 $236,227 $4,236 3.27%
    50-60% 201 $41,365,000 $205,796 $5,672 3.07%
    45% 173 $39,755,000 $229,798 $4,139 3.21%
    46% 122 $27,200,000 $222,951 $4,124 3.30%
    47% 117 $26,485,000 $226,368 $4,249 3.20%
    48% 112 $28,640,000 $255,714 $4,601 3.25%
    49% 110 $26,990,000 $245,364 $4,837 3.24%
    >60% 92 $13,800,000 $150,000 $1,460 3.74%

    United Community Bank lent most frequently to those with DTI ratios of 20-30%, with 2,918 originations. The next most common DTI ratio? 30-36%, with 2,093 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 9,771 $2,209,535,000 $226,132 $4,249 3.16%
    Not provided 792 $177,050,000 $223,548 $4,818 3.06%
    Not applicable 186 $132,900,000 $714,516 $0 4.19%
    Black 334 $78,830,000 $236,018 $5,315 3.20%
    Asian 132 $46,470,000 $352,045 $5,055 3.14%
    Asian Indian 29 $10,365,000 $357,414 $5,727 2.95%
    American Indian 45 $8,315,000 $184,778 $4,930 3.14%
    Other Asian 3 $645,000 $215,000 $3,054 2.83%
    Native Hawaiian or Islander 4 $500,000 $125,000 $4,838 2.78%
    Chinese 3 $395,000 $131,667 $3,465 2.54%
    Filipino 3 $125,000 $41,667 $0 2.75%
    Vietnamese 1 $75,000 $75,000 $0 2.75%

    Approval Rates

    Total approvals of all applications
    84.29%

    United Community Bank has a below average approval rate.

    Pick Rate

    Approvals leading to origination
    75.74%

    United Community Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    0.0 7 $35,000 $5,000
    NA 11,296 $2,665,170,000 $235,939

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 7 $5,385,000 $769,286
    Multifamily:Site-Built 49 $90,805,000 $1,853,163
    Single Family (1-4 Units):Manufactured 60 $3,180,000 $53,000
    Single Family (1-4 Units):Site-Built 11,187 $2,565,835,000 $229,359

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,561 $196,805,000 $126,076 $2,862 3.00%
    40-60% 1,723 $442,275,000 $256,689 $3,638 3.12%
    60-80% 3,542 $1,100,110,000 $310,590 $4,330 3.29%
    80-100% 3,046 $837,830,000 $275,059 $4,908 3.27%
    Over 100% 47 $13,885,000 $295,426 $10,252 2.95%
    Under 20% 1,365 $69,825,000 $51,154 $1,548 2.92%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    UNITED COMMUNITY BANK Conventional home mortgage Trouble during payment process 3 50.0%
    UNITED COMMUNITY BANK Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 16.7%
    UNITED COMMUNITY BANK Conventional home mortgage Closing on a mortgage 1 16.7%
    UNITED COMMUNITY BANK Home equity loan or line of credit (HELOC) Incorrect information on your report 1 16.7%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    United Community Bank 10 Park Place East Brevard, NC 28712 Full Service B&M $49,227
    United Community Bank 1000 Georgia Hwy138 Se Conyers, GA 30013 Full Service B&M $182,929
    United Community Bank 1001 Polk Street Marietta, GA 30064 Full Service B&M $179,276
    United Community Bank 101 West Carolina Avenue Clinton, SC 29325 Full Service B&M $29,802
    United Community Bank 101 West Main Street Laurens, SC 29360 Full Service B&M $103,270
    United Community Bank 1010 Plant Avenue Waycross, GA 31501 Full Service B&M $32,969
    United Community Bank 1015 Buford Highway Cumming, GA 30041 Full Service B&M $67,681
    United Community Bank 102 East Main Street Clayton, NC 27520 Full Service B&M $86,525
    United Community Bank 10514 Kingston Pike Knoxville, TN 37922 Full Service B&M $70,092
    United Community Bank 106 West College Street Simpsonville, SC 29681 Full Service B&M $79,962
    United Community Bank 108 East Main Street Duncan, SC 29334 Full Service B&M $43,815
    United Community Bank 1087 Hunters Crossing Alcoa, TN 37701 Full Service B&M $37,187
    United Community Bank 109 Highway 53 West Dawsonville, GA 30534 Full Service B&M $140,396
    United Community Bank 109 Scranton Connector Brunswick, GA 31521 Full Service B&M $115,438
    United Community Bank 115 Four Oaks Place Dunn, NC 28334 Full Service B&M $22,874
    United Community Bank 11500 Asheville Highway Inman, SC 29349 Full Service B&M $50,325
    United Community Bank 116 Peachtree Street Murphy, NC 28906 Full Service B&M $155,399
    United Community Bank 118 Whitfield Drive Jasper, GA 30143 Full Service B&M $77,611
    United Community Bank 119 Maple Street Carrollton, GA 30117 Full Service B&M $271,330
    United Community Bank 11915 Plaza Drive Murrells Inlet, SC 29576 Full Service B&M $34,146
    United Community Bank 1220 Richard Sailors Parkway Powder Springs, GA 30127 Full Service B&M $99,751
    United Community Bank 128 North Second Street Smithfield, NC 27577 Full Service B&M $94,557
    United Community Bank 1300 2nd Avenue Conway, SC 29526 Full Service B&M $36,743
    United Community Bank 1312 Professional Drive Myrtle Beach, SC 29577 Full Service B&M $37,105
    United Community Bank 132 Rodney Orr Bypass Robbinsville, NC 28771 Full Service B&M $90,080
    United Community Bank 1320 Joe Frank Harris Parkway Cartersville, GA 30120 Full Service B&M $42,701
    United Community Bank 1400 Augusta Street Greenville, SC 29605 Full Service B&M $153,780
    United Community Bank 14031 Highway 27 Trion, GA 30753 Full Service B&M $31,860
    United Community Bank 1408 Garner Station Boulevard Raleigh, NC 27603 Full Service B&M $30,804
    United Community Bank 145 Slope Street Bryson City, NC 28713 Full Service B&M $100,710
    United Community Bank 1472 441 By-Pass Cornelia, GA 30531 Full Service B&M $152,502
    United Community Bank 149 Brackett's Way Blairsville, GA 30512 Full Service B&M $33,447
    United Community Bank 15 Cedartown Street Cave Spring, GA 30124 Full Service B&M $35,283
    United Community Bank 1500 Commerce Drive Peachtree City, GA 30269 Full Service B&M $67,287
    United Community Bank 1510 Old Trolley Road Summerville, SC 29485 Full Service B&M $41,641
    United Community Bank 1524 East Main Street Easley, SC 29640 Full Service B&M $30,881
    United Community Bank 1528 North Hwy 74 Tyrone, GA 30290 Full Service B&M $74,593
    United Community Bank 153 East Kytle Street Cleveland, GA 30528 Full Service B&M $186,458
    United Community Bank 160 West Main Street Brevard, NC 28712 Full Service B&M $67,388
    United Community Bank 1627-A Church Street Conway, SC 29526 Full Service B&M $37,588
    United Community Bank 1640 East Main Street Sylva, NC 28779 Full Service B&M $71,906
    United Community Bank 165 North Main Street Waynesville, NC 28786 Full Service B&M $90,676
    United Community Bank 1701 North Oak Street Myrtle Beach, SC 29577 Full Service B&M $59,080
    United Community Bank 177 Highway 515 East Blairsville, GA 30512 Full Service B&M $1,164,458
    United Community Bank 182 Blue Ridge Drive Mccaysville, GA 30555 Full Service B&M $83,268
    United Community Bank 20 Frank Allen Road Cashiers, NC 28717 Full Service B&M $72,224
    United Community Bank 200 Cherokee Street Marietta, GA 30090 Full Service B&M $178,629
    United Community Bank 200 East Church Street Benson, NC 27504 Full Service B&M $41,135
    United Community Bank 200 Glen Road Garner, NC 27529 Full Service B&M $42,371
    United Community Bank 200 Linville Street Newland, NC 28657 Full Service B&M $46,085
    United Community Bank 2001 Commercial Drive, South Brunswick, GA 31525 Full Service B&M $59,166
    United Community Bank 201 West Center Street Holly Springs, NC 27540 Full Service B&M $30,925
    United Community Bank 2055 Homer Road Commerce, GA 30529 Full Service B&M $87,522
    United Community Bank 206 Morrison Moore Parkway Dahlonega, GA 30533 Full Service B&M $163,013
    United Community Bank 207 North Cambridge Ninety Six, SC 29666 Full Service B&M $36,346
    United Community Bank 210 General Daniel Avenue Danielsville, GA 30633 Full Service B&M $51,335
    United Community Bank 2101 Woodruff Road Greenville, SC 29607 Full Service B&M $40,982
    United Community Bank 214 North Main Street Hiawassee, GA 30546 Full Service B&M $210,396
    United Community Bank 2157 Sandridge Court Gainesville, GA 30501 Full Service B&M $77,930
    United Community Bank 2160 W Spring St Monroe, GA 30655 Full Service B&M $27,035
    United Community Bank 2168 Scenic Highway Snellville, GA 30078 Full Service B&M $72,716
    United Community Bank 2215 Riverstone Boulevard Canton, GA 30114 Full Service B&M $151,850
    United Community Bank 2225 East Victory Drive Savannah, GA 31404 Full Service B&M $47,158
    United Community Bank 223 North 3rd Street Kingston, TN 37763 Full Service B&M $57,441
    United Community Bank 2230 Riverside Parkway Lawrenceville, GA 30043 Full Service B&M $327,828
    United Community Bank 2456 Mars Hill Road Athens, GA 30606 Full Service B&M $18,981
    United Community Bank 2461 Demere Road St. Simons Island, GA 31522 Full Service B&M $67,562
    United Community Bank 2520 Chimney Rock Road Hendersonville, NC 28792 Full Service B&M $57,631
    United Community Bank 2525 Keith St Nw Cleveland, TN 37312 Full Service B&M $65,797
    United Community Bank 257 East Main Street Franklin, NC 28734 Full Service B&M $75,132
    United Community Bank 257 Medical Park Drive Lenoir City, TN 37771 Full Service B&M $227,017
    United Community Bank 27 Bull Street Savannah, GA 31401 Full Service B&M $114,282
    United Community Bank 2760 Martha Berry Highway Rome, GA 30165 Full Service B&M $40,735
    United Community Bank 290 Village Square Loudon, TN 37774 Full Service B&M $85,236
    United Community Bank 291 East Us Highway 19e Burnsville, NC 28714 Full Service B&M $65,423
    United Community Bank 558 Industrial Boulevard Ellijay, GA 30540 Full Service B&M $227,138
    United Community Bank 300 North Weston Street Fountain Inn, SC 29644 Full Service B&M $60,535
    United Community Bank 306 East North Street Greenville, SC 29601 Full Service B&M $183,658
    United Community Bank 307 East 2nd Avenue Rome, GA 30162 Full Service B&M $236,772
    United Community Bank 311 South Limestone Street Gaffney, SC 29340 Full Service B&M $61,184
    United Community Bank 3187 Highway 9 East Little River, SC 29566 Full Service B&M $32,372
    United Community Bank 3210 Highway 701 North Byp Loris, SC 29569 Full Service B&M $22,386
    United Community Bank 325 N Judd Parkway, N.E. Fuquay Varina, NC 27526 Full Service B&M $75,196
    United Community Bank 3273 U.S. Highway 441 North Whittier, NC 28789 Full Service B&M $38,678
    United Community Bank 3310 Henderson Mill Road Atlanta, GA 30341 Full Service B&M $82,238
    United Community Bank 351 Jesse Jewell Pkwy Gainesville, GA 30501 Full Service B&M $274,087
    United Community Bank 3781 Sixes Road Canton, GA 30114 Full Service B&M $50,937
    United Community Bank 3785 Mundy Mill Road Oakwood, GA 30566 Full Service B&M $108,886
    United Community Bank 3995 Sc Highway 9 Boiling Springs, SC 29316 Full Service B&M $47,845
    United Community Bank 4000 Appalachian Highway Blue Ridge, GA 30513 Full Service B&M $335,819
    United Community Bank 401 West Butler Road Mauldin, SC 29662 Full Service B&M $40,256
    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 $69,412
    United Community Bank 4356 South Lee Street Buford, GA 30518 Full Service B&M $123,363
    United Community Bank 4365 Browns Bridge Road Cumming, GA 30041 Full Service B&M $253,653
    United Community Bank 449 East Main Street Spartanburg, SC 29302 Full Service B&M $94,214
    United Community Bank 4519 Highway 411 Madisonville, TN 37354 Full Service B&M $15,638
    United Community Bank 468 West Louise Street Clarkesville, GA 30523 Full Service B&M $109,978
    United Community Bank 470 Haywood Road Greenville, SC 29607 Full Service B&M $50,910
    United Community Bank 4711 Six Forks Road Raleigh, NC 27609 Full Service B&M $29,924
    United Community Bank 732 Main Street Andrews, NC 28901 Full Service B&M $58,815
    United Community Bank 485 W. Bankhead Highway Villa Rica, GA 30180 Full Service B&M $30,517
    United Community Bank 4970 Bill Gardner Parkway Locust Grove, GA 30248 Full Service B&M $49,510
    United Community Bank 50 United Bank Drive Etowah, NC 28729 Full Service B&M $55,449
    United Community Bank 5009 Broad Street Loris, SC 29569 Full Service B&M $69,320
    United Community Bank 501 Church Street Laurens, SC 29360 Full Service B&M $66,824
    United Community Bank 5100 Dallas Highway Powder Springs, GA 30127 Full Service B&M $106,359
    United Community Bank 5125 Atlanta Highway Alpharetta, GA 30004 Full Service B&M $49,335
    United Community Bank 516 Hwy 441 S Clayton, GA 30525 Full Service B&M $129,572
    United Community Bank 5172 Cleveland Hwy Gainesville, GA 30506 Full Service B&M $60,952
    United Community Bank 52 Burnt Church Road Bluffton, SC 29910 Full Service B&M $36,261
    United Community Bank 525 North Jeff Davis Drive Fayetteville, GA 30214 Full Service B&M $136,182
    United Community Bank 54 N Mitchell Ave Bakersville, NC 28705 Full Service B&M $52,341
    United Community Bank 5536 Georgia Highway 72 Colbert, GA 30628 Full Service B&M $14,222
    United Community Bank 5679 Appalachian Highway Blue Ridge, GA 30513 Full Service B&M $8,933
    United Community Bank 570 Roe Center Court Travelers Rest, SC 29690 Full Service B&M $27,338
    United Community Bank 6144 Us Highway 301 South Four Oaks, NC 27524 Full Service B&M $105,706
    United Community Bank 617 Hwy. 17 South North Myrtle Beach, SC 29582 Full Service B&M $39,328
    United Community Bank 6372 Highway 53 East Dawsonville, GA 30534 Full Service B&M $100,566
    United Community Bank 65 Washington Street Fairburn, GA 30213 Full Service B&M $198,331
    United Community Bank 6600 Mcginnis Ferry Road Duluth, GA 30097 Full Service B&M $84,708
    United Community Bank 6670 Church Street Douglasville, GA 30134 Full Service B&M $35,541
    United Community Bank 701 Montague Avenue Greenwood, SC 29649 Full Service B&M $109,925
    United Community Bank 71 Bullsboro Newnan, GA 30265 Full Service B&M $55,087
    United Community Bank 7400 Adairsville Hwy Adairsville, GA 30103 Full Service B&M $82,489
    United Community Bank 780 Us Highway 29 North Athens, GA 30601 Full Service B&M $124,699
    United Community Bank 800 Summit Avenue Spruce Pine, NC 28777 Full Service B&M $69,235
    United Community Bank 8036 Valley Blvd Blowing Rock, NC 28605 Full Service B&M $35,001
    United Community Bank 805 North Arendell Avenue Zebulon, NC 27597 Full Service B&M $68,078
    United Community Bank 809 West Wade Hampton Boulevard Greer, SC 29650 Full Service B&M $41,350
    United Community Bank 815 North Main Street Anderson, SC 29621 Full Service B&M $85,916
    United Community Bank 817 Mulberry Street Loudon, TN 37774 Full Service B&M $41,268
    United Community Bank 8201 White Bluff Rd Savannah, GA 31406 Full Service B&M $40,538
    United Community Bank 8460 Hwy 75 N Helen, GA 30545 Limited, Drive-thru $37,436
    United Community Bank 850 Eagle's Landing Parkway Stockbridge, GA 30281 Full Service B&M $147,750
    United Community Bank 865 Hampton Road Mcdonough, GA 30253 Full Service B&M $50,724
    United Community Bank 875 Lowcountry Boulevard Mount Pleasant, SC 29464 Full Service B&M $76,225
    United Community Bank 901 South Mechanic Street Pendleton, SC 29670 Full Service B&M $66,776
    United Community Bank 9100 Covington Bypass Covington, GA 30014 Full Service B&M $51,461
    United Community Bank 922 E Main St Laurens, SC 29360 Full Service Cyber Office $20,596
    United Community Bank 946 Orleans Road Charleston, SC 29407 Full Service B&M $81,157
    United Community Bank 95 U.S. Highway 64 West Hayesville, NC 28904 Full Service B&M $82,555
    United Community Bank 9699 Rome Boulevard Summerville, GA 30747 Full Service B&M $131,723

    For 2020, United Community Bank had 143 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $556,285
    Net interest income $513,550
    Total noninterest income $155,337
    Gross Fiduciary activities income $1,957
    Service charges on deposit accounts $19,489
    Trading account gains and fees $6,725
    Additional Noninterest Income $127,166
    Pre-tax net operating income $224,707
    Securities gains (or losses, -) $748
    Income before extraordinary items $177,419
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $177,419
    Minority interest net income $0
    Net income $177,419
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $176,828

    United Community Bank's gross interest income from loans was $556,285,000.
    United Community Bank's net interest income from loans was $513,550,000.
    United Community Bank's fee based income from loans was $19,489,000.
    United Community Bank's net income from loans was $177,419,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $42,735
    Provision for credit losses $75,205
    Total noninterest expense $368,975
    Salaries and employee benefits $210,688
    Premises and equipment expense $34,016
    Additional noninterest expense $124,271
    Applicable income taxes $48,036
    Net charge-offs $18,315
    Cash dividends $150,000

    United Community Bank's interest expense for loans was $42,735,000.
    United Community Bank's payroll and benefits expense were $210,688,000.
    United Community Bank's property, plant and equipment expenses $34,016,000.

    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 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 $15,521,966
    Deposits held in domestic offices $15,521,966
    Deposits by Individuals, partnerships, and corporations $13,485,437
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $1,953,512
    Deposits by Commercial banks and other depository institutions in U.S. $83,017
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,417,392
    Demand deposits $1,727,846
    Nontransaction accounts $13,104,574
    Money market deposit accounts (MMDAs) $4,001,925
    Other savings deposits (excluding MMDAs) $7,318,098
    Total time deposits $1,784,549
    Total time and savings deposits $13,794,120
    Noninterest-bearing deposits $5,393,430
    Interest-bearing deposits $10,128,536
    Retail deposits $14,926,484
    IRAs and Keogh plan accounts $292,343
    Brokered deposits $290,098
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $17,766,296
    Cash & Balances due from depository institutions $1,608,602
    Interest-bearing balances $1,369,680
    Total securities $3,638,718
    Federal funds sold & reverse repurchase $0
    Net loans and leases $11,339,238
    Loan and leases loss allowance $137,010
    Trading account assets $72,509
    Bank premises and fixed assets $245,746
    Other real estate owned $647
    Goodwill and other intangibles $404,501
    All other assets $456,335

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $17,766,296
    Total Liabilities $15,737,331
    Total deposits $15,521,966
    Interest-bearing deposits $10,128,536
    Deposits held in domestic offices $15,521,966
    % insured (estimated) $63
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $24,631
    Other borrowed funds $0
    Subordinated debt $15,000
    All other liabilities $175,734

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $11,339,238
    Loan and leases loss allowance $137,010
    Total loans and leases (domestic) $11,476,248
    All real estate loans $7,967,464
    Real estate loans in domestic offices $7,967,464
    Construction and development loans $1,248,747
    Residential 1-4 family construction $357,969
    Other construction, all land development and other land $890,778
    Loans secured by nonfarm nonresidential properties $4,157,123
    Nonfarm nonresidential secured by owner-occupied properties $1,947,524
    Commercial real estate & other non-farm, non-residential $2,209,599
    Multifamily residential real estate $168,713
    1-4 family residential loans $2,349,445
    Farmland loans $43,436
    Loans held in foreign offices $0
    Farm loans $6,418
    Commercial and industrial loans $3,302,874
    To non-U.S. addressees $0
    Loans to individuals $144,282
    Credit card loans $0
    Related Plans $41,463
    Consumer Auto Loans $39,710
    Other loans to individuals $63,109
    All other loans & leases $55,210
    Loans to foreign governments and official institutions $0
    Other loans $2,314
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $112,558
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $40,159
    Non 1-4 family restructured loans & leases $23,418
    Total loans and leases (foreign) $0

    United Community Bank had $11,339,238,000 of loans outstanding in 2020. $7,967,464,000 of loans were in real estate loans. $1,248,747,000 of loans were in development loans. $168,713,000 of loans were in multifamily mortgage loans. $2,349,445,000 of loans were in 1-4 family mortgage loans. $6,418,000 of loans were in farm loans. $0 of loans were in credit card loans. $39,710,000 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 3,867 $1,027,265 $265,649
    Nonfarm, nonresidential loans - <$100k 505 $21,222 $42,024
    Nonfarm, nonresidential loans - $100-250k 1,187 $142,417 $119,981
    Nonfarm, nonresidential loans - $250k-1MM 2,175 $863,626 $397,069
    Commercial & Industrial, US addressed loans - <$1MM 37,240 $1,639,818 $44,034
    Commercial & Industrial, US addressed loans - <$100k 30,530 $574,984 $18,833
    Commercial & Industrial, US addressed loans - $100-250k 4,510 $403,428 $89,452
    Commercial & Industrial, US addressed loans - $250k-1MM 2,200 $661,406 $300,639
    Farmland loans - <$1MM 207 $19,908 $96,174
    Farmland loans - <$100k 96 $3,300 $34,375
    Farmland loans - $100-250k 75 $8,082 $107,760
    Farmland loans - $250k-1MM 36 $8,526 $236,833
    Agriculture operations loans - <$1MM 97 $3,218 $33,175
    Agriculture operations loans - <$100k 83 $1,584 $19,084
    Agriculture operations loans - $100-250k 10 $1,230 $123,000
    Agriculture operations loans - $250k-1MM 4 $404 $101,000