At a glance
From its website, read 2 Nov 2026UNION BANK is a bank or thrift based in Jamestown, Tennessee. Its website describes home mortgages, personal loans and small-business loans.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Website | myunion.bank |
|---|---|
| Office (official list) | 311 N Main St, Jamestown, TN 38556 |
What their website says about applying
See one of our local lenders to learn more about all of our mortgage lending options.
sourceSee one of our local lenders for details today.
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Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 8 Oct 2026 |
| RSSD ID | 235231 |
| Address | 311 N Main St, Jamestown, TN 38556 Directions (Google Maps) |
| Website | myunion.bank |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages name no service area beyond branch towns, and no loan amounts or online application were found. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home mortgages | — | Are you ready to build, buy, or refinance? See one of our local lenders to learn more about all of our mortgage lending options. | source |
| Personal / consumer loans | — | Secured and unsecured personal loans are available for a variety of circumstances. | source |
| Small-business loans | — | At Union Bank we offer lots of loan options for small to larger businesses. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your home mortgages and personal loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Union Bank (FDIC cert 6088). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $247 million (as of 30 Jun 2026) |
|---|---|
| Offices | 3 (as of 30 Oct 2026) |
Offices by state and county (3)
Tennessee (3 offices)
- Fentress County (2): 311 N Main St, Jamestown 38556 (main office); 6850 S York Hwy, Clarkrange 38553
- Pickett County (1): 8500 Hwy 111 Ste 200, Byrdstown 38549
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Union Bank (RSSD 235231, FDIC cert 6088). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $99.5 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 12.3% from $88.6 million on 30 Jun 2025 |
| Total assets | $247 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $49.1 million | 49.2% |
| Home equity lines of credit | $1.7 million | 1.7% |
| Commercial real estate, construction and multifamily | $32.7 million | 32.8% |
| Commercial and industrial (business) loans | $5 million | 5.1% |
| Farmland and farm production loans | $5.9 million | 5.9% |
| Consumer loans (credit cards, auto, other) | $5.1 million | 5.1% |
| All other loans and leases | $136,000 | 0.1% |
Within consumer loans: auto loans $949,000.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 11 loans $500,000 | 140 loans $2.7 million |
| $100,001 to $250,000 | 13 loans $1.1 million | 13 loans $1.1 million |
| $250,001 to $1 million | 17 loans $5 million | 6 loans $1.2 million |
| All small business loans | 41 loans $6.7 million | 159 loans $5 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 22 loans $789,000 | 35 loans $605,000 |
| $100,001 to $250,000 | 13 loans $1.3 million | 3 loans $250,000 |
| $250,001 to $500,000 | 7 loans $2.3 million | none reported |
| All small farm loans | 42 loans $4.3 million | 38 loans $855,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $247 million | Larger than 24% of the 17 other certified banks and bank holding companies in Tennessee (median $367.8 million). |
| Loans as a share of assets | 40% | Median of the same 17 banks and bank holding companies: 71%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $88.6 million → $99.5 million (+12%) | Median change of 17 other certified banks and bank holding companies in Tennessee: +7%. Rank by loans held among these 18: 16 → 16. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Tennessee | 17 | larger than 24% |
| Loans held then vs now | certified banks and bank holding companies in Tennessee reporting both dates | 17 | rank 16 → 16 of 18 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 1 SBA-backed approval for UNION BANK in fiscal years 2020–2026 (October 2019 to September 2026):
- 1 504 projects as the third-party (first-lien) lender
By fiscal year: FY2020 1 · FY2021 0 · FY2022 0 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 0.
By program
- 504 projects (as the third-party lender) (1, 100%)
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “Union Bank”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. UNION BANK may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Jamestown and Tennessee
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Copper Basin Federal Credit UnionCredit union · Copperhill, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
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