At a glance
From its website, read 2 Nov 2026United Community Bank is a bank or thrift based in Raceland, Louisiana. Its website describes auto loans, credit-builder loans, home mortgages and 2 other loan types. Where it lends: Businesses located in South Louisiana. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | ucbanking.com |
| Office (official list) | P. O. BOX 248, Raceland, LA 70394 |
What their website says about applying
Two months current bank statements
sourceTwo current paystubs along with last year's W-2
sourceSelf-employed will require two years personal and business returns
sourceForm of Photo ID
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- Low or damaged credit considered
If you want to establish credit or repair poor credit, UCB's Fresh Start Loan can help.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 19 Oct 2026 |
| RSSD ID | 90337 |
| Address | P. O. BOX 248, Raceland, LA 70394 Directions to the main office (Google Maps) |
| Website | ucbanking.com |
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 7 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: high. The service area statement covers business loans only and does not name a parish list or a personal lending area. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Auto, Boat, & Recreational Vehicles | source |
| Credit-builder loans | — | If you want to establish credit or repair poor credit, UCB's Fresh Start Loan can help. | source |
| Home mortgages | — | We offer initial purchase or refinance options with fixed or adjustable rate term mortgage solutions to include: | source |
| Personal / consumer loans | — | Personal Loans & Lines of Credit | source |
| Small-business loans | — | Flexible terms and affordable rates to finance any business need. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Businesses located in South Louisiana
with an emphasis on the versatile businesses located in South Louisiana.
source
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Now
source
Pages read (7)
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.
- 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 auto loans and credit-builder 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. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - 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.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$7.6 million in 6 awards from the U.S. Treasury's CDFI Fund, 2020–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $330,788 |
| 2022 | CDFI Equitable Recovery Program | $4,957,678 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Bank Enterprise Award Program | $15,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as United Community Bank (FDIC cert 19143). 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 | $665.5 million (as of 30 Jun 2026) |
|---|---|
| Offices | 11 (as of 30 Oct 2026) |
Offices by state and county (11)
Louisiana (11 offices)
- Ascension Parish (3): 12328 Highway 44, Gonzales 70737; 625 W Highway 30, Gonzales 70737; 17257 Airline Hwy, Prairieville 70769
- East Baton Rouge Parish (2): 11280 Coursey Blvd, Baton Rouge 70816; 9817 Bluebonnet Blvd, Baton Rouge 70810
- Lafourche Parish (4): 4626 Highway 1, Raceland 70394 (main office); 605 North Alex Plaisance Boulevard, Golden Meadow 70357; 13386 W Main St, Larose 70373; 200 E Bayou Rd, Thibodaux 70301
- St. John the Baptist Parish (1): 590 Belle Terre Blvd, La Place 70068
- Terrebonne Parish (1): 1227 Saint Charles St, Houma 70360
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 United Community Bank (RSSD 90337, FDIC cert 19143). 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 | $516.4 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 0.8% from $512.5 million on 30 Jun 2025 |
| Total assets | $665.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $55.1 million | 10.7% |
| Home equity lines of credit | $1.6 million | 0.3% |
| Commercial real estate, construction and multifamily | $361.3 million | 69.9% |
| Commercial and industrial (business) loans | $95.9 million | 18.5% |
| Farmland and farm production loans | $285,000 | 0.1% |
| Consumer loans (credit cards, auto, other) | $3 million | 0.6% |
Within consumer loans: auto loans $384,000, credit cards $282,000.
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 | 43 loans $1.7 million | 271 loans $5.1 million |
| $100,001 to $250,000 | 24 loans $3.7 million | 32 loans $4.7 million |
| $250,001 to $1 million | 74 loans $37.3 million | 42 loans $19.4 million |
| All small business loans | 141 loans $42.6 million | 345 loans $29.2 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 | none reported | none reported |
| $100,001 to $250,000 | none reported | none reported |
| $250,001 to $500,000 | none reported | 1 loan $0 |
| All small farm loans | none reported | 1 loan $0 |
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.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025United Community Bank reported 64 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $13.2M (median loan about $105,000). 22 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 22 | 34% |
| Refinance (incl. cash-out) | 41 | 64% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 64 | 100% |
Included above: 3 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 12 counties with at least one; 98% of its 2025 loans were for properties in Louisiana:
- Lafourche Parish, LA (21)
- East Baton Rouge Parish, LA (11)
- St. John the Baptist Parish, LA (7)
- Ascension Parish, LA (6)
- Orleans Parish, LA (6)
- Terrebonne Parish, LA (6)
Filed under LEI 549300O2UK5FUZXQJO34 as “United Community Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $665.5 million | Larger than 85% of the 72 other certified banks and bank holding companies in Louisiana (median $318.5 million). |
| Loans as a share of assets | 78% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $512.5 million → $516.4 million (+1%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +4%. Rank by loans held among these 73: 9 → 10. |
| Home loans originated in 2025 (HMDA) | 64 | More than 29% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
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 Louisiana | 72 | larger than 85% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 9 → 10 of 73 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 29% |
“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). Home loans: FFIEC/CFPB HMDA data.
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 11 SBA-backed approvals for United Community Bank in fiscal years 2020–2026 (October 2019 to September 2026):
- 11 504 projects as the third-party (first-lien) lender: $15.1M in total (its own third-party loan amount), median $1M
By fiscal year: FY2020 2 · FY2021 4 · FY2022 3 · FY2023 2 · FY2024 0 · FY2025 0 · FY2026 0.
What actually happened
- Size of its 504 first-lien loans (third-party lender): half were between $895,500 and $1.7M, median $1M (11 loans)
- Term of its 504 first-lien loans (third-party lender): median 300 months (25 years) (11 loans)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 504 projects (as the third-party lender) (11, 100%)
Borrower industries
NAICS sector, 3 or more loans.
- Retail trade (3)
- Health care and social assistance (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “United Community 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. United Community 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 Raceland and Louisiana
- Community Bancorp of Louisiana, Inc.Bank holding company · Raceland, LAOfficial list only
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
Work at United Community Bank? Link to this page
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