HMDA records
11,537
2025
Public institution profile · Bank · Not a recommendation
United Community Bank
Also published as United Community Bank (Greenville, SC)
BankGreenville, SCActive
FDIC certificate 16889
Data observedAugust 5, 2026Section records may have different source dates.
- Public-source data
- Source-linked records
- No paid lender rankings
- See methodology
- Correct the record
Identifiers, verification, and corrections
Stable identifiers
Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.
- FDIC certificate
- 16889
- company ID
- Not published — no verified match
More identifiers
- Federal Reserve
- 1017939
- OCC charter number
- Not published — no verified match
- Not published — no verified match
- Official website
- https://www.ucbi.com
Verify at FDICVerify at FFIEC NIC / regulator
Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Profile notes
This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.
Data correction
Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.
Request a correctionAt a glance
- Institution type
- Bank
- Status
- Active
- Headquarters
- Greenville, SC
- HMDA activity
- Published activity year 2025
- Listed branch locations
- 190
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam March 1, 2021
- Institution history
- 32 published events
What USMI publishes
Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.
- Institution type
- Bank
- Status
- Active
- Headquarters
- Greenville, SC
- activity
- Published activity year 2025
- Listed branch locations
- 190
- Complaint records
- CFPB search status is not currently available.
- CRA examinations
- Satisfactory, exam March 1, 2021
- Institution history
- 32 published events
Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.
What this profile is not
- Not a lender recommendation or ranking.
- Not a mortgage rate sheet or quote.
- Not an underwriting, approval, or eligibility decision.
- Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
- Not a complaint-resolution channel.
- Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.
HMDA
Mortgage activity
Reported records for the selected year. These figures are not a lender score.
11,537reported records
7,529reported originations
2025 reported mortgage activity. Source: HMDA.
HMDA2025The year selector below shows each published activity year.
activity
Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.
Geographynationwide
HMDA source observed2026-08-09
Loan originations
7,529
2025
Denials
2,645
2025
Withdrawals
915
2025
Denial rate among decisioned applications
25.4%
2025
Annual history
Scroll sideways to review every HMDA column.
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 11,537 | 7,529 | 247 | 2,645 | 915 | 25.4% |
| 2024 | 10,368 | 6,575 | 239 | 2,496 | 883 | 26.8% |
| 2023 | 17,217 | 6,991 | 212 | 6,360 | 1,193 | 46.9% |
| 2022 | 22,107 | 9,947 | 284 | 7,062 | 1,684 | 40.8% |
| 2021 | 15,742 | 10,969 | 237 | 2,311 | 2,050 | 17.1% |
| 2020 | 16,846 | 11,303 | 229 | 2,647 | 2,513 | 18.7% |
| 2019 | 11,896 | 7,744 | 197 | 2,418 | 1,484 | 23.3% |
| 2018 | 10,875 | 7,219 | 207 | 2,233 | 1,164 | 23.1% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 10,652 |
| FHA | 680 |
| VA | 140 |
| RHS / FSA | 65 |
| Home purchase | 4,010 |
| Home improvement | 3,098 |
| Refinancing | 2,487 |
| Cash-out refinancing | 474 |
State reporting
14 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.
CFPB
CFPB consumer submissions
Complaints are consumer submissions and are not findings of wrongdoing.
CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.
CFPB Mortgage Complaint Activity
No published complaint result found
No mapped CFPB mortgage complaint activity is currently published on this profile under U.S. Mortgage Index's verified entity-matching methodology. This is not a finding that no complaint exists under another company name, affiliate, source attribution, period, or configuration.
This does not establish that no record exists elsewhere. It means USMI does not currently have a published matching result for this profile.
CFPB complaint records are submissions received by the Consumer Financial Protection Bureau.
Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing.
Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.
Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.
Regulatory records
Regulatory & institutional records
Only records that apply to this institution are shown. Identifiers stay as published.
FFIEC NICAugust 19, 2026Observed date for the NIC institution record.
Institution identity
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- United Community Bank
- Display name
- United Community Bank (Greenville, SC)
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- March 1, 1950
- Established date
- March 1, 1950
- Charter class
- State-chartered commercial bank, member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Reserve Board
- Headquarters
- Greenville, SC, 29601, United States
- Website
- https://www.ucbi.com
- FDIC certificate number
- 16889
- Federal Reserve
- 1017939
- Domestic location count
- 192
- Source observed
- August 5, 2026
Regulatory information
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FRS
- Institution type
- State Member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 16889
- Federal Reserve
- 1017939
- T68X8LLAQYRNDV034K14
- Headquarters
- 200 East Camperdown Way, Greenville, SC, 29601, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- March 1, 2021
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| March 1, 2021 | Satisfactory | FDIC | Large Bank Exam |
| February 1, 2018 | Satisfactory | FDIC | Large Bank Exam |
| February 1, 2015 | Satisfactory | FDIC | Large Bank Exam |
| December 1, 2011 | Satisfactory | FDIC | Large Bank Exam |
| May 1, 2007 | Outstanding | FDIC | Large Bank Exam |
| March 1, 2004 | Satisfactory | FDIC | Large Bank Exam |
| August 1, 2000 | Satisfactory | FDIC | Large Bank Exam |
| August 1, 1998 | Satisfactory | FDIC | Small Bank |
| April 1, 1995 | Satisfactory | FDIC | Not Reported |
| November 1, 1992 | Satisfactory | FDIC | Not Reported |
Formal hierarchy
FFIEC NIC hierarchy rows
9
Showing 1 through 9 of 9 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | FNBSM THE FALLS LLC | Domestic Entity Other | Greenville, SC |
| Direct relationship | NAVITAS CREDIT CORP. | Finance Company | Ponte Vedra, FL |
| Direct relationship | NLFC REINSURANCE CORP | Domestic Entity Other | Lenoir City, TN |
| Direct relationship | TFG HOLDINGS, LLC | Domestic Entity Other | Greenville, SC |
| Direct relationship | UNITED COMMUNITY DEVELOPMENT CORPORATION | Domestic Entity Other | Blairsville, GA |
| Direct relationship | UNITED COMMUNITY INVESTMENTS INC | Domestic Entity Other | Waynesville, NC |
| Direct relationship | UNITED COMMUNITY PAYMENT SYSTEMS LLC | Domestic Entity Other | Oxford, MS |
| Direct relationship | UNITED COMMUNITY PUBLIC FINANCE, INC. | Domestic Entity Other | New Castle, DE |
| ROOT_INSTITUTION | UNITED COMMUNITY BANK | State Member Bank | Greenville, SC |
These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered member bank
Locations
Branch and office locations
Start with the published count and primary location. Search stays paged so the first view stays readable.
FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.
Branch locations
Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.
Branch network
Listed locations
190
Showing 1 through 50 of 190 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| AL - BIRMINGHAM - MEADOW LAKE DRIVE BRANCH | 2000 Meadow Lake Drive | Birmingham | AL | 35242 |
| BIRMINGHAM BRANCH | 2121 Highland Avenue South | Birmingham | AL | 35205 |
| AL - DAPHNE - US HWY 98 BRANCH | 28000 US Hwy 98 | Daphne | AL | 36526 |
| GRANT STREET BRANCH | 255 Grant Street | Decatur | AL | 35601 |
| FLORENCE OFFICE | 230 East Tennessee Street | Florence | AL | 35630 |
| 201 WILLIAMS AVENUE SW HUNTSVILLE AL BRANCH | 201 Williams Avenue SW | Huntsville | AL | 35801 |
| JONES DRIVE BRANCH | 2746 Carl T. Jones Drive | Huntsville | AL | 35802 |
| MADISON BRANCH | 8337 Highway 72 | Madison | AL | 35758 |
| AL - TUSCALOOSA - MCFARLAND BLVD BRANCH | 2519 12th Street | Tuscaloosa | AL | 35401 |
| VESTRIDGE BRANCH | 1360 Montgomery Highway, Suite 100 | Vestavia Hills | AL | 35216 |
| BOCA RATON BRANCH | 1800 North Military Trail, Suite 100 | Boca Raton | FL | 33431 |
| FL - CORAL CABLES - 3399 PONCE DE LEON BOULEVARD BRANCH | 3399 Ponce DE Leon Boulevard | Coral Gables | FL | 33134 |
| DESTIN BRANCH | 35008 Emerald Coast Parkway | Destin | FL | 32541 |
| LAS OLAS BRANCH | 450 East Las Olas Boulevard, Suite 150 | Fort Lauderdale | FL | 33301 |
| FL - INLET BEACH BRANCH | 12805 U.s. Highway 98 E, Suite A100 | Inlet Beach | FL | 32413 |
| LAKE MARY OFFICE | 100 Colonial Center Parkway, Suite 100 | Lake Mary | FL | 32746 |
| VIERA FLORIDA BRANCH | 2338 Citadel Way, Suite 103 | Melbourne | FL | 32940 |
| FL - MIAMI - THE FALLS BRANCH | 8941 SW 136th Street | Miami | FL | 33176 |
| FL-SOUTH MIAMI- SUNSET DRIVE BRANCH | 5880 Sunset Drive South | Miami | FL | 33143 |
| FL - FORT LAUDERDALE - FEDERAL HWY | 4301 North Federal Highway, Suite 100 | Oakland Park | FL | 33308 |
| FL - ORLANDO - SOUTH ORANGE | 250 South Orange Avenue, Suite 120P | Orlando | FL | 32801 |
| WINDERMERE BRANCH | 4705 South Apopka-vineland Road, Suite 120 | Orlando | FL | 32819 |
| PALM BEACH GARDENS BRANCH | 4290 Professional Center Drive, Suite 201-204 | Palm Beach Gardens | FL | 33410 |
| FL - PANAMA CITY WEST 23RD STREET BRANCH | 1805 West 23rd Street | Panama City | FL | 32405 |
| PONTE VEDRA BEACH BRANCH | 820 Highway A1a North, Suite E-11 | Ponte Vedra Beach | FL | 32082 |
| SANTA ROSA BEACH OFFICE | 3063 US Highway 98 | Santa Rosa Beach | FL | 32458 |
| SARASOTA BRANCH | 1561 Main Street | Sarasota | FL | 34236 |
| STUART BRANCH | 309 SE Osceola Street, Suite 106 | Stuart | FL | 34994 |
| TAMPA-WESTSHORE BRANCH | 5426 Bay Center Drive, Suite 175 | Tampa | FL | 33609 |
| SEASIDE - LAKE COUNTY | 115 East Burleigh Boulevard | Tavares | FL | 32778 |
| WINTER PARK BRANCH | 700 West Morse Boulevard, Suite 100 | Winter Park | FL | 32789 |
| HIGHWAY 140 BRANCH | 7400 Adairsville Highway | Adairsville | GA | 30103 |
| MIDWAY BRANCH | 5125 Atlanta Highway | Alpharetta | GA | 30004 |
| ATHENS BRANCH | 780 US Highway 29 North | Athens | GA | 30601 |
| BUCKHEAD | 4600 Roswell RD Suite E150 | Atlanta | GA | 30342 |
| EMBRY HILLS OFFICE | 3310 Henderson Mill Road | Atlanta | GA | 30341 |
| 177 HIGHWAY 515 BRANCH | 177 Highway 515 East | Blairsville | GA | 30512 |
| BRACKETT'S WAY BRANCH OFFICE | 149 Brackett's Way | Blairsville | GA | 30512 |
| APPALACHIAN HIGHWAY BRANCH | 4000 Appalachian Highway | Blue Ridge | GA | 30513 |
| INGLES SUPERMARKET BRANCH | 5679 Appalachian Highway | Blue Ridge | GA | 30513 |
| GA - BRASELTON - 1502 FRIENDSHIP RD | 1502 Friendship Road | Braselton | GA | 30548 |
| MALL BRANCH | 109 Scranton Connector | Brunswick | GA | 31525 |
| NORTH BRUNSWICK BRANCH | 2001 Commercial Drive South | Brunswick | GA | 31525 |
| BUFORD BRANCH | 4356 South Lee Street | Buford | GA | 30518 |
| BRIDGEMILL BRANCH OFFICE | 3781 Sixes Road | Canton | GA | 30114 |
| RIVERSTONE BRANCH | 2215 Riverstone Boulevard | Canton | GA | 30114 |
| CARROLLTON BRANCH | 119 Maple Street | Carrollton | GA | 30117 |
| JOE FRANK HARRIS PARKWAY BRANCH OFFICE | 1320 Joe Frank Harris Parkway | Cartersville | GA | 30120 |
| CLARKESVILLE OFFICE | 468 West Louise Street | Clarkesville | GA | 30523 |
| RABUN COUNTY BRANCH | 516 Highway 441 South | Clayton | GA | 30525 |
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
History
Institution history
Events are listed by date. The source event type is kept with the record.
HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.
Institution history
History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.
Institutional history
FFIEC NIC history events
32
Showing 1 through 25 of 32 history events
| Event date | Event type | Related institution |
|---|---|---|
| August 1, 2026 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 1, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | UCB INVESTMENTS INC. |
| May 1, 2025 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 1, 2023 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 3, 2023 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 1, 2022 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 1, 2020 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 1, 2019 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 1, 2017 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| August 1, 2017 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 1, 2016 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| September 1, 2015 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 18, 2015 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 20, 2009 | Failure - Government Assistance Provided | SOUTHERN COMMUNITY BANK |
| February 1, 2008 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| July 16, 2007 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 2, 2006 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 1, 2006 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| February 5, 2005 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| November 1, 2004 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| June 1, 2004 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 1, 2003 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 1, 2002 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 1, 2002 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
SourcesEach source keeps its own observed date. Dates are not combined into one profile date.
Sources & methodology
Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.
FDIC BankFind
Source reviewed2026-08-05
Limitation
FDIC fields describe the institution record USMI reviewed. They are not a recommendation or a real-time license check.
CFPB Consumer Complaint Database search
Source reviewed2026-08-05
Limitation
Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.
HMDA modified LAR
Source reviewed2026-08-05
Limitation
HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.
FFIEC NIC institution profile
Source reviewed2026-08-19
Limitation
The observed date is when USMI reviewed the public NIC record. It is not a real-time status feed.
FFIEC NIC branches
Source reviewed2026-08-19
Limitation
Branch rows are FFIEC NIC listed locations, not a consumer-facing store locator.
FFIEC NIC organizational hierarchy
Source reviewed2026-08-19
Limitation
Hierarchy rows are the FFIEC-reported structure. They are not a complete legal-ownership opinion and they are not branch locations.
FFIEC NIC institution history
Source reviewed2026-08-19
Limitation
History events are shown as reported by FFIEC NIC. USMI does not add a merger or failure narrative.
FFIEC CRA Ratings Database
Source reviewed2026-08-28
Limitation
A CRA rating is the regulator's examination result for the date shown. It is not a USMI rating.