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United Community Financial is the holding company for The Home Savings and Loan Company of Youngstown, Ohio, a community bank with some 40 branches and a half-dozen loan production offices in Ohio and western Pennsylvania. Real estate loans account for about 80% of the company's loan portfolio; business and consumer loans make up the remainder. The bank also offers checking and savings accounts, CDs, retirement accounts, investments, and credit cards. In 2007 United Community Financial planned to buy Cleveland-area banking company PVF Capital, but both parties later canceled the deal.

United Financial Bancorp is the holding company for United Bank, which operates about 20 branches serving residents and businesses in western Massachusetts. It offers such standard deposit products as CDs and checking, money market, NOW, retirement, and savings accounts. Deposits are United Bank's primary source of funds for its lending activities, which focus on residential mortgages, commercial real estate loans, and home equity loans. To a lesser extent, the bank provides business, construction, and consumer loans. Its United Wealth Management Group provides investments and financial planning services.

United PanAm Financial flies the choppy skies of subprime lending. Operating through subsidiaries United Auto Credit Corporation (UACC) and United Auto Business Operations (UABO), the specialty finance firm originates, buys, and services auto loan contracts for high-risk customers. The company buys contracts from independent and franchised used car dealers. Most borrowers have less-than-perfect credit histories, which impairs their ability to secure loans. UACC, once heavily localized in California, now has more than 15 offices throughout the country -- a dramatic decrease from what it had only a few years ago. Chairman Guillermo Bron and investment firm Pine Brook Road are buying United PanAm.

UPS Capital Business Credit specializes in providing financing to small businesses. A subsidiary of UPS Capital, the company is a preferred Small Business Administration lender and also provides loans through government-guaranteed programs offered by the US Department of Agriculture and the Export-Import Bank of the United States. Its loans are used to finance such business-related functions as acquisitions, franchises, and real estate. The company operates through nearly 50 UPS Capital offices in the US and through international locations and representative agents in emerging markets. Formerly known as First International Bank, the company was bought by shipping giant United Parcel Service in 2001.

Value Financial Services gives customers bucks for their bling. Founded in 1994 by former CEO John Thedford, the company runs about 70 pawn shops in Florida, Georgia, New Mexico, and Tennessee, operating as Value Pawn and Jewelry and Check Jewelry & Loan. It makes non-recourse loans secured by customers personal items, including jewelry, electronics, and musical instruments. The average amount of the company's pawn loans is about $150; its pawn service charges range from about 188% to 300% annually. At the end of 2008 Texas-based EZCORP acquired the company after initial talks had fallen through.

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