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Bank, Fairfax, VA
United Bank, Fairfax, VA
A bank based in Fairfax, VA. Its commercial book is led by non-owner-occupied CRE and construction. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $16.8B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 63
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 25
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $33.6B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 800-327-9862 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.bankwithunited.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- bankwithunited.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- UNITED BANK VA; United Bankshares, Inc.FDIC institution record,
- Address
- 11185 Fairfax Blvd, Fairfax, VA 22030FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. United Bank originated 63 multifamily loans in 2025, versus 47 in 2024. HMDA,
| When | What the record shows | Source |
|---|---|---|
| Last 24 months | Office changes in the last 24 months: 1 opened, 1 closed, 1 relocated.FDIC structure history. | FDIC history |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 6 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 6.9% to $6.3B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Commercial and industrial balance rose 9.8% to $2.5B in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 18.8% to $3.7B in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
| January 11, 2025 | Acquired The Piedmont Bank on January 11, 2025.FDIC structure history. | FDIC history, |
| 2024 | Reported making 2,475 small business loans totaling $493.3M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| 2025 | Montgomery County, MD | Purchase, 150 or more units | $100M | 5.31% | 7 yr | 52% | HMDA 2025 |
| 2025 | Palm Beach County, FL | Purchase, 150 or more units | $56M | 5.85% | 3 yr | 53% | HMDA 2025 |
| 2025 | Arlington County, VA | Refinance, 150 or more units | $41M | 5.5% | 7 yr | 32% | HMDA 2025 |
| 2025 | Wayne County, NC | Purchase, 150 or more units | $37M | 6.95% | 5 yr | 56% | HMDA 2025 |
| 2025 | Douglas County, GA | Refinance, 100 to 149 units | $23M | 6.18% | 3 yr | 60% | HMDA 2025 |
| 2025 | Hall County, GA | Purchase, 50 to 99 units | $20M | 7.07% | 3 yr | 54% | HMDA 2025 |
| 2025 | Hoke County, NC | Purchase, 100 to 149 units | $18M | 7.06% | 5 yr | 56% | HMDA 2025 |
| 2025 | Mecklenburg County, NC | Purchase, 50 to 99 units | $14M | 6.96% | 4 yr | 44% | HMDA 2025 |
| 2025 | Monongalia County, WV | Refinance, 50 to 99 units | $10M | 6.42% | 10 yr | 71% | HMDA 2025 |
| 2025 | Mecklenburg County, NC | Refinance, 100 to 149 units | $10M | 6.5% | 5 yr | 75% | HMDA 2025 |
| 2025 | Cleveland County, NC | Purchase, 150 or more units | $9.3M | 7.1% | 5 yr | 47% | HMDA 2025 |
| Dec 2024 | Virginia | SBA 504, Health Care and Social Assistance | $160K | 25 yr | SBA FOIA | ||
| Oct 2024 | South Carolina | SBA 7(a), Home Health Care Services | $210K | 9% | 7 yr | SBA FOIA | |
| Jul 2024 | Virginia | SBA 504, Health Care and Social Assistance | $250K | 25 yr | SBA FOIA | ||
| Jun 2024 | Georgia | SBA 7(a), Full-Service Restaurants | $150K | 10.5% | 10 yr | SBA FOIA | |
| May 2024 | District of Columbia | SBA 504, Full-Service Restaurants | $810K | 25 yr | SBA FOIA | ||
| May 2024 | Georgia | SBA 504, General Automotive Repair | $850K | 25 yr | SBA FOIA | ||
| Apr 2024 | Georgia | SBA 7(a), Full-Service Restaurants | $2.5M | 10.25% | 10 yr | SBA FOIA | |
| Apr 2024 | Georgia | SBA 7(a), Independent Artists, Writers, and Performers | $1.3M | 10% | 25 yr | SBA FOIA | |
| Feb 2024 | Georgia | SBA 7(a), Offices of Physical, Occupational and Speech Therapists, and Audiologists | $1.1M | 10.5% | 26 yr | SBA FOIA | |
| Jan 2024 | Georgia | SBA 504, Gasoline Stations with Convenience Stores | $4M | 25 yr | SBA FOIA | ||
| Dec 2023 | Georgia | SBA 7(a), Retail Trade | $2M | 10.5% | 26 yr | SBA FOIA | |
| Dec 2023 | Georgia | SBA 504, Gasoline Stations with Convenience Stores | $3.5M | 25 yr | SBA FOIA | ||
| Nov 2023 | Florida | SBA 7(a), Car Washes | $5M | 10.5% | 26 yr | SBA FOIA | |
| Oct 2023 | Georgia | SBA 7(a), Full-Service Restaurants | $250K | 10.5% | 9 yr | SBA FOIA | |
| 63 multifamily loans made in 2025 | $417M | HMDA 2025 | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $2.44B | 9.7% | +16.1% |
| Construction and land development | $3.34B | 13.3% | -10.8% |
| Owner-occupied CRE | $2.17B | 8.7% | +4.8% |
| Non-owner-occupied CRE | $6.26B | 25.0% | +6.9% |
| Farmland | $24.3M | 0.1% | -2.8% |
| Commercial and industrial | $2.53B | 10.1% | +9.8% |
| Commercial total | $16.8B |
Reference only: $6.25B of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $13.9B |
| Q4 2023 | $13.9B |
| Q1 2024 | $14.0B |
| Q2 2024 | $14.2B |
| Q3 2024 | $14.1B |
| Q4 2024 | $14.1B |
| Q1 2025 | $16.0B |
| Q2 2025 | $16.1B |
| Q3 2025 | $16.5B |
| Q4 2025 | $16.5B |
| Q1 2026 | $16.7B |
| Q2 2026 | $16.8B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 63 | $417M | $1.00M | $100M | HMDA, |
| Multifamily, 5 or more units | 2024 | 47 | $215M | $1.13M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 354 | $95.3M | $175K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 8 | $12.6M | $1.23M | $5M | SBA FOIA, |
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 17 | $69.1M | $4.00M | $9.3M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens (several rules: name and lender office city; holding company name, one bank).
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- United Bank reported making 2,475 small business loans totaling $493,286,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 1,293 of $100,000 or less, 601 over $100,000 up to $250,000, 581 over $250,000 up to $1 million.
- 1,174 of them, totaling $181,991,000, went to businesses with revenue of $1 million or less.
- United Bank reported making 55 small farm loans totaling $5,664,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 37 of $100,000 or less, 14 over $100,000 up to $250,000, 4 over $250,000 up to $500,000.
- 37 of them, totaling $2,942,000, went to farms with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Wood County, WV | 161 | $25.6M |
| Fairfax County, VA | 99 | $23.6M |
| Brunswick County, NC | 92 | $13.1M |
| Fayette County, PA | 88 | $11.9M |
| Horry County, SC | 88 | $15.8M |
| Monongalia County, WV | 77 | $12.4M |
| Kanawha County, WV | 67 | $20.5M |
| New Hanover County, NC | 58 | $9.59M |
| District of Columbia, DC | 48 | $22.1M |
| Cabell County, WV | 46 | $6.25M |
| County | Loans | Total |
|---|---|---|
| Essex County, VA | 8 | $1.18M |
| Columbus County, NC | 7 | $349K |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: RSSD (respondent ID) + transmittal RSSD.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- United Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $775,655,000 for 1-4 family residential construction and $2,752,535,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $1,275,437,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 15,171 | $548M |
| Over $100,000 up to $250,000 | 937 | $92.6M |
| Over $250,000 up to $1 million | 566 | $146M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 246 | $13.6M |
| Over $100,000 up to $250,000 | 887 | $116M |
| Over $250,000 up to $1 million | 1,979 | $817M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 9 | $291K |
| Over $100,000 up to $250,000 | 25 | $2.96M |
| Over $250,000 up to $500,000 | 29 | $10.2M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 63 | $1.86M |
| Over $100,000 up to $250,000 | 17 | $2.37M |
| Over $250,000 up to $500,000 | 8 | $1.49M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| North Carolina | 43 | 14 | 125 | 0 | 3 |
| Virginia HQ | 81 | 5 | 83 | 0 | 5 |
| West Virginia | 48 | 17 | 33 | 0 | 1 |
| Pennsylvania | 4 | 3 | 37 | 0 | 0 |
| Maryland | 11 | 6 | 32 | 0 | 0 |
| Georgia | 16 | 6 | 17 | 6 | 3 |
| South Carolina | 26 | 8 | 16 | 1 | 3 |
| District of Columbia | 7 | 2 | 6 | 0 | 1 |
| Ohio | 1 | 1 | 2 | 0 | 0 |
| Florida | 0 | 1 | 1 | 1 | 1 |
| Delaware | 0 | 0 | 1 | 0 | 0 |
| Wyoming | 0 | 0 | 1 | 0 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Monongalia County, WV | 11 | $19.8M |
| Washington County, MD | 6 | $5.71M |
| Mecklenburg County, NC | 5 | $35.7M |
| Pitt County, NC | 5 | $7.04M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Morgantown, WV | 11 | $19.8M |
| Hagerstown-Martinsburg, MD-WV | 10 | $17.7M |
| Charlotte-Concord-Gastonia, NC-SC | 7 | $38.6M |
| Huntington-Ashland, WV-KY-OH | 6 | $2.05M |
| Hickory-Lenoir-Morganton, NC | 5 | $8.29M |
| Greenville, NC | 5 | $7.04M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- United Bank has 235 offices in 102 counties and 9 states (FDIC Summary of Deposits, June 30, 2026): 232 full service and 3 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Fairfax County, VA | 16 | 0 |
| District of Columbia, DC | 7 | 0 |
| Horry County, SC | 7 | 0 |
| Monongalia County, WV | 6 | 0 |
| Greenville County, SC | 5 | 0 |
| Loudoun County, VA | 5 | 0 |
| Gwinnett County, GA | 4 | 0 |
| Montgomery County, MD | 4 | 0 |
| Brunswick County, NC | 4 | 0 |
| Fayette County, PA | 4 | 0 |
| Charleston County, SC | 4 | 0 |
| Frederick County, VA | 4 | 0 |
| Henrico County, VA | 4 | 0 |
| Prince William County, VA | 4 | 0 |
| Alexandria city, VA | 4 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $599M | $196M to $657M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 301.5% | 258.2% to 333.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 83.6% | 34.7% to 80.3% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 91.6% | 82.2% to 99.8% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $3.67B | $524M to $3.43B across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 18.8% from a year earlier. | FDIC call report, |
| Loans to assets | 74.4% | 67.8% to 79.7% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Of 354 1-4 unit investor loans with a known channel in 2025, 1 (0.3%) came through a third party. HMDA,
Third party includes correspondents as well as brokers. No figure here means no evidence, not a refusal.
- Preferred Lender authority
- 6 loans (75.0%)
- Approval to first disbursement
- 28 days, median of 8
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Atlantic Union Bank | VA | $38.0B | $21.6B |
| TowneBank | VA | $22.6B | $10.7B |
| Burke & Herbert Bank & Trust Company | VA | $11.0B | $6.33B |
| City National Bank of Florida | FL | $29.1B | $13.9B |
| Ameris Bank | GA | $28.4B | $14.9B |
| Rockland Trust Company | MA | $25.0B | $12.3B |
| Glacier Bank | MT | $31.6B | $15.3B |
| WesBanco Bank, Inc. | WV | $27.7B | $13.3B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers on any given deal. The public record shows only that some loans came through a third party.
Check this page
Against the regulator's own record
- Name and charter. United Bank, FDIC certificate 22858. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $33.6B in total assets and $16.8B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 489 recorded loans from HMDA and SBA files, through September 30, 2026: 63 HMDA multifamily 2025, 47 HMDA multifamily 2024, 354 HMDA 1-4 unit investor 2025, 8 SBA 7(a) in 36 months, 17 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to United Bank]
- Phone and website. Phone 800-327-9862, from the lender's website on November 9, 2026. Website bankwithunited.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 2,475 small business loans reported in its CRA filing for 2024. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Federal Reserve
- FDIC certificate
- 22858
- RSSD
- 365325
- LEI
- 549300MKOZ81ZWTNKB12
- The Lender Report ID
- lr_000071
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Washington-Arlington-Alexandria, DC-VA-MD-WV
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $33.6B in total assets as of June 30, 2026 (FDIC call report).
- Held $16.8B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $6.3B of non-owner-occupied commercial real estate loans as of June 30, 2026, up 6.9% from a year earlier (FDIC call report).
- Held $3.3B of construction and land loans as of June 30, 2026 (FDIC call report).
- Held $2.5B of commercial and industrial loans as of June 30, 2026, up 9.8% from a year earlier (FDIC call report).
- Originated 63 multifamily loans totaling $417.1M in 2025 (HMDA).
10 more sentences
- Originated 47 multifamily loans totaling $215.2M in 2024 (HMDA).
- Originated 354 1-4 unit investor or business-purpose loans totaling $95.3M in 2025 (HMDA).
- Recorded 9 SBA 7(a) approvals totaling $13.1M from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Provided the first lien on 18 SBA 504 projects with $71.8M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Listed 237 offices in 9 states (FDIC).
- Reported making 2,475 small business loans totaling $493.3M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Reported making 55 small farm loans totaling $5.7M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 16,674 commercial and industrial loans that were $1 million or less when made, with a balance of $787M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 3,112 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $946.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $775.7M for 1-4 family and $2.8B for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, United Bank, https://lender.report/lender/united-bank-va/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem