United Community Bank
United Community Bank provides comprehensive financial services including personal and business banking, mortgages, wealth management, and insurance. Celebrating 75 years, the largest bank headquartered in South Carolina offers checking, savings, loans, and digital banking solutions.
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (69 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
United Community Bank ranks #54 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of United Community Bank’s 7(a) acquisition lending falls in the $500K-$1M range: 23 loans, 33.3% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 20 | 29.0% | |
| $500K-$1M | 23 | 33.3% | |
| $1M-$2M | 10 | 14.5% | |
| $2M-$3M | 11 | 15.9% | |
| $4M-$5M | 5 | 7.3% |
Industries with highest loan volume
Limited-Service Restaurants
6
loans
$1.5M
avg. amount
Snack and Nonalcoholic Beverage Bars
4
loans
$1.5M
avg. amount
All Other Specialty Trade Contractors
3
loans
$1.2M
avg. amount
Private Mail Centers
3
loans
$810K
avg. amount
Full-Service Restaurants
3
loans
$1.3M
avg. amount
Offices of Certified Public Accountants
2
loans
$575K
avg. amount
Pet Care (except Veterinary) Services
2
loans
$598K
avg. amount
Offices of Dentists
2
loans
$1.5M
avg. amount
Glass and Glazing Contractors
2
loans
$1.8M
avg. amount
Other Services to Buildings and Dwellings
2
loans
$668K
avg. amount
10-Year
1.8%
Percentile Ranking
87th
87th percentile
United Community Bank’s median variable rate is + 1.75%, against a market median of Prime + 1.88%, 13 below market.
It priced below the market median in 7 of the last 8 quarters. 1 of the 69 loans in its trailing three-year book carried a fixed rate; the rest were variable.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.20% |
| $500K-$1M | Prime + 1.82% |
| $1M-$2M | Prime + 1.55% |
| $2M-$3M | Prime + 1.14% |
| $4M-$5M | Prime + 1.25% |
over at time of loan origination
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q1 '24 | Prime + 1.75% | Prime + 2.00% | Prime + 1.48% – Prime + 2.50% | 4 |
| Q2 '24 | Prime + 1.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q3 '24 | Prime + 1.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
| Q4 '24 | Prime + 1.38% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 4 |
| Q1 '25 | Prime + 2.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 7 |
| Q3 '25 | Prime + 1.50% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 4 |
| Q4 '25 | Prime + 2.00% | Prime + 2.25% | Prime + 1.67% – Prime + 2.75% | 5 |
| Q1 '26 | Prime + 1.75% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 3 |
United Community Bank has originated 7(a) acquisition loans in 14 states, most actively in Georgia (20), Florida (14) and North Carolina (9). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Georgia | 20 | 29.0% |
| Florida | 14 | 20.3% |
| North Carolina | 9 | 13.0% |
| Texas | 7 | 10.1% |
| South Carolina | 6 | 8.7% |
| Tennessee | 4 | 5.8% |
| California | 2 | 2.9% |
| New York | 1 | 1.4% |
| Colorado | 1 | 1.4% |
| Indiana | 1 | 1.4% |
| Washington | 1 | 1.4% |
| Arizona | 1 | 1.4% |
| Alabama | 1 | 1.4% |
| Iowa | 1 | 1.4% |
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