Applications / Mortgage Analytics / Lenders / South Carolina / United Community Bank
Greenville, SC · State member bank · FRS · $27.9 billion assets · 7,529 loans in 2025
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7,529
loans originated, 2025
11,449
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Community Bank's loans rose 15% in 2025, faster than about three-quarters of similar lenders, with its largest share gain in Greenville, South Carolina, where it is based.
Similar lenders are state member banks making between half and twice as many loans; their loans rose 4% and the market's 10%. Its 7,529 loans remain below the 11,303 of 2020. A run of mergers, most recently American National Bank in 2025, may account for part of the rise.
In Greenville its share rose to 1.6% from 1.0%, ranking 10 of 589, and in Nashville to 0.5% from 0.3%. It also ranks 4 of 683 in non-metro Georgia and 33 of 892 in Atlanta.
Its typical rate of 6.50% was lower than more than four in five similar lenders, whose typical rate was 6.75%, and higher-priced loans (a rate well above the average for similar loans) fell to 1.2% from 2.5%. Its typical loan, $175,000, was smaller than at about three in four peers. Home improvement loans, 27.4% of its lending, are usually small, which may explain part of this.
Majority-minority areas received 12.0% of its loans against 17.5%, and LMI (low- and moderate-income) areas 14.7% against 15.7%, each lower than about two-thirds of similar lenders. A footprint weighted toward non-metro Georgia and North Carolina could explain the difference.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Community Bank took 11,449 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 34.5% · Home improvement 27.4% · Refinance 25.8% · Other 12.3%
Conventional 92.9% · FHA 5.2% · VA 1.2% · USDA (RHS or FSA) 0.7% · of 7,529 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Georgia | 3,186 | 42.3% |
| North Carolina | 1,511 | 20.1% |
| Tennessee | 1,055 | 14.0% |
| South Carolina | 924 | 12.3% |
| Alabama | 476 | 6.3% |
| Florida | 369 | 4.9% |
| Louisiana | 3 | 0.0% |
| Kentucky | 2 | 0.0% |
| Illinois | 1 | 0.0% |
| New York | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Atlanta-Sandy Springs-Roswell | 945 |
| Nashville-Davidson--Murfreesboro--Franklin | 478 |
| Marietta | 452 |
| Greenville-Anderson-Greer | 415 |
| Raleigh-Cary | 235 |
| Knoxville | 217 |
| Charlotte-Concord-Gastonia | 212 |
| Asheville | 195 |
| Gainesville | 177 |
| Rome | 160 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | T68X8LLAQYRNDV034K14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1017939 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316889 | 1994–2017 |
Established 1 March 1950. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: United Community Bank's data.
United Community Bank's data
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