Applications / Mortgage Analytics / Lenders / Louisiana / United Community Bank
Raceland, LA · State non-member bank · FDIC · $681 million assets · 64 loans in 2025
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64
loans originated, 2025
69
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Community Bank is a small Louisiana lender of modest loans, a third of them in majority-minority neighborhoods, and its lending shrank in 2025 while similar banks grew.
United Community Bank made 64 loans in 2025, 7% fewer than a year earlier. Similar lenders, state non-member banks making between half and twice as many loans, grew 9%, and the whole market 10%. Five years earlier it made 113. The numbers give no reason for the decline, and at this size a handful of borrowers moves the total.
Its typical loan was $105,000, against $170,000 at similar lenders, smaller than at nearly nine in ten of them. Refinances made up 64.1% of its lending and purchases 34.4%. All of its loans were conventional. The small size may reflect the borrowers it serves rather than any choice of product.
Some 34.4% of its loans went to majority-minority neighborhoods, against 6.8% at similar lenders, a higher share than at more than four in five of them. Its share of loans to low- and moderate-income borrowers, 30.8%, was close to its peers' 27.2%.
In Houma-Bayou Cane-Thibodaux, where it has lent since at least 1990, it ranked 25 of 170 lenders. Its share slipped to 0.7% from 0.8%, in step with its smaller loan count. United Wholesale Mortgage led that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 69 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.1% · Purchase 34.4% · Other 1.6%
Conventional 100.0% · of 64 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 |
|---|---|---|
| Louisiana | 63 | 98.4% |
| Mississippi | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houma-Bayou Cane-Thibodaux | 27 |
| Baton Rouge | 20 |
| New Orleans-Metairie | 16 |
| Jackson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300O2UK5FUZXQJO34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 90337 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319143 | 1990–2017 |
Established 20 June 1964. 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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