Lenders › United Community Bank
7(a) lenderGreenville, South CarolinaFDIC-insured bank44th of 2,184 by approvals
United Community Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
United Community Bank, based in Greenville, South Carolina, is an FDIC-insured bank in the SBA 7(a) program. SBA approved 868 of its 7(a) loans worth $753M in FY2021 to FY2025, which places it 44th of 2,184 active 7(a) lenders by number of approvals.
In FY2025, the latest complete fiscal year, it had 162 approvals totalling $144M, up 40% on FY2024 (116). FY2026 to 30 Jun 2026 adds 70 more.
The median approval was $550K, against $190K for the 7(a) program as a whole; 14.1% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 40 states and territories and 307 counties, led by Georgia (18.9%), Florida (16.5%) and Texas (11.9%). The largest industry group was accommodation and food services at 23.8% of approvals, and 48.3% of approvals were to franchise businesses.
Of 1,765 disbursed loans approved in FY2010 to FY2021, SBA records 80 as charged off (4.5%), 1,201 as paid in full and 484 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 70 | $72.0M | $567K | $1.0M | 1,295 |
| FY2025 | 162 | $144M | $540K | $891K | 2,360 |
| FY2024 | 116 | $114M | $505K | $982K | 2,239 |
| FY2023 | 196 | $178M | $595K | $907K | 3,241 |
| FY2022 | 145 | $120M | $575K | $831K | 2,331 |
| FY2021 | 249 | $196M | $523K | $788K | 4,395 |
| FY2020 | 241 | $176M | $465K | $731K | 4,832 |
| FY2019 | 270 | $185M | $500K | $687K | 3,891 |
| FY2018 | 310 | $255M | $518K | $822K | 7,618 |
| FY2017 | 235 | $194M | $510K | $827K | 3,233 |
| FY2016 | 222 | $181M | $570K | $814K | 3,413 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 1,278 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Georgia | 7(a) program |
|---|---|---|---|
| Approvals in these years | 1,980 | 17,911 | 639,905 |
| Cancelled or never disbursed | 215 | 2,110 | 79,313 |
| Disbursed loans | 1,765 | 15,801 | 560,592 |
| Paid in full | 1,201 | 11,453 | 435,813 |
| Charged off | 80 | 1,077 | 36,891 |
| Still outstanding (status exempt from disclosure) | 484 | 3,271 | 87,888 |
| Charged off, share of disbursed loans | 4.5% | 6.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.2% | 2.0% | 2.5% |
| Dollars charged off | $32.3M | $230M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 218 | 84 | 0 | 0.0% | 2.8% |
| FY2020 | 209 | 107 | 5 | 2.4% | 4.0% |
| FY2019 | 237 | 137 | 12 | 5.1% | 6.7% |
| FY2018 | 280 | 182 | 17 | 6.1% | 7.9% |
| FY2017 | 210 | 166 | 15 | 7.1% | 7.7% |
| FY2016 | 211 | 172 | 7 | 3.3% | 7.2% |
| FY2015 | 128 | 110 | 7 | 5.5% | 6.9% |
| FY2014 | 44 | 38 | 4 | 9.1% | 6.4% |
| FY2013 | 62 | 58 | 0 | 0.0% | 6.0% |
| FY2012 | 34 | 31 | 1 | 2.9% | 6.3% |
| FY2011 | 76 | 66 | 8 | 10.5% | 6.9% |
| FY2010 | 56 | 50 | 4 | 7.1% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $550K | $190K |
| Average approval | $867K | $518K |
| Approvals of $150,000 or less | 14.1% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 60.4% | 34.3% |
| Approvals to franchise businesses | 48.3% | 11.5% |
| Jobs supported per approval, as reported | 16.8 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 4.5% | 6.6% |
States served
| # | State of the business (40 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Georgia | 164 | $134M | 18.9% | |
| 2 | Florida | 143 | $149M | 16.5% | |
| 3 | Texas | 103 | $88.3M | 11.9% | |
| 4 | North Carolina | 97 | $83.3M | 11.2% | |
| 5 | South Carolina | 66 | $52.6M | 7.6% | |
| 6 | Tennessee | 29 | $30.4M | 3.3% | |
| 7 | Colorado | 23 | $17.4M | 2.6% | |
| 8 | Alabama | 22 | $17.1M | 2.5% | |
| 9 | Arizona | 19 | $14.2M | 2.2% | |
| 10 | California | 18 | $19.9M | 2.1% | |
| 11 | Missouri | 18 | $9.3M | 2.1% | |
| 12 | New York | 15 | $18.8M | 1.7% |
In Georgia the lender accounts for 1.8% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (307 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Harris County, TX | 27 | $25.9M | 3.1% | |
| 2 | Greenville County, SC | 24 | $17.7M | 2.8% | |
| 3 | Gwinnett County, GA | 21 | $19.1M | 2.4% | |
| 4 | Broward County, FL | 19 | $21.0M | 2.2% | |
| 5 | Mecklenburg County, NC | 19 | $20.6M | 2.2% | |
| 6 | Wake County, NC | 19 | $9.3M | 2.2% | |
| 7 | Orange County, FL | 18 | $18.5M | 2.1% | |
| 8 | Cobb County, GA | 18 | $12.8M | 2.1% | |
| 9 | Maricopa County, AZ | 16 | $13.4M | 1.8% | |
| 10 | Fulton County, GA | 16 | $12.9M | 1.8% | |
| 11 | Duval County, FL | 14 | $10.1M | 1.6% | |
| 12 | Charleston County, SC | 11 | $12.2M | 1.3% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 207 | 23.8% | |
| 2 | Health Care and Social Assistance | 194 | 22.4% | |
| 3 | Retail Trade | 94 | 10.8% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 71 | 8.2% | |
| 5 | Other Services (except Public Administration) | 69 | 7.9% | |
| 6 | Professional, Scientific, and Technical Services | 57 | 6.6% | |
| 7 | Manufacturing | 51 | 5.9% | |
| 8 | Arts, Entertainment, and Recreation | 39 | 4.5% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 197 | 22.7% | |
| 2 | Offices of DentistsNAICS 6212 | 65 | 7.5% | |
| 3 | Business Support ServicesNAICS 5614 | 49 | 5.6% | |
| 4 | Offices of PhysiciansNAICS 6211 | 44 | 5.1% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 42 | 4.8% | |
| 6 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 38 | 4.4% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 36 | 4.1% | |
| 8 | Other Personal ServicesNAICS 8129 | 30 | 3.5% | |
| 9 | Child Day Care ServicesNAICS 6244 | 23 | 2.6% | |
| 10 | Beverage ManufacturingNAICS 3121 | 20 | 2.3% |
Approval sizes
- $50,000 or less7.3%63
- $50,001 to $150,0006.8%59
- $150,001 to $350,00015.3%133
- $350,001 to $1 million43.9%381
- $1 million to $2 million15.8%137
- Over $2 million10.9%95
Loan terms
- 5 years or less0.3%3
- Over 5 to 10 years42.9%372
- Over 10 to 20 years35.3%306
- Over 20 years21.5%187
Age of the businesses
- Existing, more than 2 years old21.0%182
- New business, 2 years or less5.8%50
- Startup, loan funds will open the business54.6%474
- Change of ownership18.7%162
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 686 | 79.0% | |
| 2 | SBA Express Program | 154 | 17.7% | |
| 3 | 7a General | 27 | 3.1% | |
| 4 | Working Capital CAPLine | 1 | 0.1% |
Franchise share
419 of 868 approvals in FY2021–FY2025 (48.3%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | The UPS Store | 47 | 5.4% | |
| 2 | Bruster's Real Ice Cream | 23 | 2.6% | |
| 3 | Domino's Pizza | 20 | 2.3% | |
| 4 | American Family Care | 16 | 1.8% | |
| 5 | Jersey Mike’s Subs | 15 | 1.7% | |
| 6 | Clean Eatz | 13 | 1.5% | |
| 7 | Tropical Smoothie Cafe | 11 | 1.3% | |
| 8 | The Goddard School | 10 | 1.2% |
Questions and answers
How many SBA loans does United Community Bank make?
SBA approved 162 7(a) loans through United Community Bank in FY2025, worth $144M, and 868 over FY2021 to FY2025. That ranks 44th of 2,184 active 7(a) lenders by number of approvals.
How large are United Community Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $550K and the average $867K. The program-wide median was $190K.
What is United Community Bank's charge-off rate?
Of 1,765 disbursed loans approved in FY2010 to FY2021, SBA records 80 as charged off (4.5%), 1,201 as paid in full and 484 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does United Community Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (197); offices of dentists (65); business support services (49); offices of physicians (44).
Where does United Community Bank make SBA loans?
In 40 states and territories. Georgia 164, Florida 143, Texas 103, North Carolina 97, South Carolina 66. In Georgia it accounts for 1.8% of all 7(a) approvals.
Is United Community Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 474, against 635 in the three before: falling (-25%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error