United Community Bank (SC): SBA Lending Record
What SBA's own loan files show about United Community Bank (SC) as an SBA lender, and how a lender's record bears on a feasibility study.
What SBA's file shows for United Community Bank (SC)
SBA files 2,033 loans approved in FY2017 to FY2026 under United Community Bank (SC) as holder. At United Community Bank (SC), dollar volume stands at $1.66 billion gross, over 2,033 loans. United Community Bank (SC) figures are holder-based: SBA's file, 2,033 loans, held now or before. United Community Bank (SC) is not the guarantor. SBA tags 2,033 as 7(a), none 504, under United Community Bank (SC). United Community Bank (SC) appears as holder, current or last.
977 of 2,033 loans have no tracked class, which leaves United Community Bank (SC) class rows thinner. United Community Bank (SC) class rows start with limited-service restaurant, 177 loans. Then 175 in dental office, coffee shop and snack bar with 122 loans and veterinary clinic at 118. Further down United Community Bank (SC): full-service restaurant (87), 84 loans in medical office and 81 in fitness center. United Community Bank (SC) table: classes beyond these appear there.
United Community Bank (SC) by state: Georgia (344), 300 in North Carolina, Florida (276), 199 in Texas, South Carolina (168), 85 in Tennessee, Alabama (70), 60 in California and Colorado (58). Georgia holds the largest share, 344 loans. Far down the list, United Community Bank (SC) gives a project little local depth.
United Community Bank (SC): loans cancelled or charged off
11.5%: the floor on cancellations, among United Community Bank (SC) approvals from FY2017 to FY2024. Count undisbursed United Community Bank (SC) loans as cancelled and the ceiling becomes 11.9%. Between 11.5% and 11.9% lie United Community Bank (SC) approvals SBA still shows undisbursed. At United Community Bank (SC), 4.7% is charged off to date among 1,163 loans disbursed FY2017 to FY2021. United Community Bank (SC): 2.1% charged off within five years. United Community Bank (SC) outcomes show; reasons do not. United Community Bank (SC) cohort rates cover FY2017 to FY2021 disbursements. United Community Bank (SC): 11.5% is a floor, 2,033 loans notwithstanding, not a forecast. United Community Bank (SC): every rate here is a floor, 2,033 loans or not; 11.5% included.
United Community Bank (SC): a borrower's view
United Community Bank (SC), a bank or lender, comes with 2,033 loans of background. United Community Bank (SC) has no row that says what United Community Bank (SC) wants from a borrower. At United Community Bank (SC), weigh Georgia then limited-service restaurant, 2,033 loans deep, against the project. United Community Bank (SC): other sources go in the study.
2,033 loans at United Community Bank (SC): context only. For United Community Bank (SC), a project proves itself alone in Georgia. 2,033 loans at United Community Bank (SC) set no dental office demand; North Carolina conditions decide it, not United Community Bank (SC). Budget lines meet raised funds, 2,033 loans staying aside. 2,033 loans give United Community Bank (SC) breadth, not depth. United Community Bank (SC) coverage must clear 11.5% before anything else. At United Community Bank (SC), debt service coverage keeps 11.5% in view across 2,033 loans. Collateral for United Community Bank (SC) rests on the appraisal. United Community Bank (SC): no study promises approval; 2,033 loans or none, it prepares the file.
SBA loans held by United Community Bank (SC)
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 2,033 |
|---|---|
| Gross dollars approved | $1.66 billion |
| SBA 7(a) loans | 2,033 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 11.5% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 11.9% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.7% |
| Charged off within five years of approval | 2.1% |
| Loans in that cohort | 1,163 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 977 |
| Limited-service restaurant | 177 |
| Dental office | 175 |
| Coffee shop and snack bar | 122 |
| Veterinary clinic | 118 |
| Full-service restaurant | 87 |
| Medical office (physicians) | 84 |
| Fitness center | 81 |
| Child care center | 61 |
| Beverage manufacturing (breweries, wineries, distilleries) | 26 |
| Automotive mechanical repair (car and truck) | 26 |
| Car wash | 16 |
| Liquor store | 16 |
| Beauty salon | 15 |
| Urgent care and ambulatory surgery | 8 |
| Rehabilitation and therapy clinic | 8 |
| Hotel and motel | 7 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Georgia | 344 |
| North Carolina | 300 |
| Florida | 276 |
| Texas | 199 |
| South Carolina | 168 |
| Tennessee | 85 |
| Alabama | 70 |
| California | 60 |
| Colorado | 58 |
| New York | 40 |
| Arizona | 37 |
| Illinois | 37 |
| Pennsylvania | 33 |
| Virginia | 32 |
| Ohio | 29 |
| Missouri | 26 |
| Washington | 24 |
| New Jersey | 22 |
| Maryland | 21 |
| Michigan | 21 |
| Indiana | 14 |
| Oregon | 13 |
| Connecticut | 12 |
| Massachusetts | 12 |
| Iowa | 11 |
| Kansas | 10 |
| Utah | 9 |
| Wisconsin | 9 |
| Idaho | 8 |
| Louisiana | 8 |
| Oklahoma | 8 |
| Nevada | 7 |
| Delaware | 5 |
| Montana | 5 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-16889.
Related feasibility study pages
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