Applications / Mortgage Analytics / Lenders / Illinois / United Community Bank
Chatham, IL · State non-member bank · FDIC · $4.1 billion assets · 1,433 loans in 2025
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1,433
loans originated, 2025
1,908
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Community Bank is an Illinois bank of small loans with a large share to low- and moderate-income borrowers, third in Springfield and now 7 of 595 lenders in Naples, Florida.
Its typical loan was $95,000, against $195,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than at nearly all of them. LMI (low- and moderate-income) borrowers took 40.5% of its loans, against 27.3%, higher than at more than nine in ten. RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) were 2.8%, against 0.2%.
Originations rose 1% to 1,433, against 11% for similar lenders and 10% for the whole market, slower than about four in five peers. Volume remains well below the 3,744 loans of 2020.
In Springfield, where it has lent since before 1990, it ranked 3 of 217 lenders with 6.6% of the market, 2.6 points lower than in 2024, behind INB and Bank of Springfield. Its share in Naples rose 1.5 points to 2.2%. Its flat overall volume and a shift of lending toward Naples are possible reasons for the Springfield fall; growth at local competitors may be another.
Majority-minority areas took 0.8% of its loans, against 7.6% at peers, among the lowest tenth. LMI areas took 17.1%, against 14.7%. Its markets, with non-metro Illinois among the largest, are one possible reason for the low majority-minority share.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 1,908 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.8% · Refinance 17.6% · Home improvement 15.3% · Other 12.3%
Conventional 93.4% · FHA 2.9% · USDA (RHS or FSA) 2.8% · VA 0.8% · of 1,433 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 |
|---|---|---|
| Illinois | 1,286 | 89.7% |
| Missouri | 85 | 5.9% |
| Iowa | 31 | 2.2% |
| Florida | 13 | 0.9% |
| Indiana | 6 | 0.4% |
| Colorado | 2 | 0.1% |
| Kansas | 2 | 0.1% |
| Arkansas | 1 | 0.1% |
| Arizona | 1 | 0.1% |
| California | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 434 |
| St. Louis | 301 |
| St. Joseph | 18 |
| Peoria | 12 |
| Decatur | 11 |
| Bloomington | 9 |
| Naples-Marco Island | 8 |
| Champaign-Urbana | 5 |
| Lake County-Porter County-Jasper County | 5 |
| Chicago-Naperville-Schaumburg | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000XYE7QL54NMB52 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 439338 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319459 | 1990–2017 |
Established 12 July 1965. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: United Community Bank's data.
United Community Bank's data
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