United Bank of Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
86th2.5% deniedPricingmedian rate spread over APOR, weight 30%
82nd0.00 ptsProcesswithdrawn + incomplete share, weight 15%
39th14.0%Closing coststotal loan costs ÷ loan amount, weight 10%
73rd1.31% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 233 | 211 | 0.0% | 0.0% | 6.88% | $54M |
| 2024 | 213 | 188 | 2.4% | 2.5% | 6.88% | $40M |
| 2025 | 229 | 187 | 2.2% | 2.5% | 6.63% | $42M |
What United Bank of Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 18 manufactured homes, 34 investment properties.
Why United Bank of Union denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at United Bank of Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 21 | 18 | 0.0% |
| $50k – $100k | 82 | 59 | 6.3% |
| $100k – $150k | 57 | 47 | 2.0% |
| $150k – $250k | 33 | 29 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 29 | 26 | 3.6% |
| 25–34 | 50 | 39 | 2.4% |
| 35–44 | 45 | 36 | 2.6% |
| 45–54 | 37 | 28 | 3.3% |
| 55–64 | 30 | 24 | 3.9% |
Where United Bank of Union lends
3 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 227 | 185 | 2.2% | 6.63% | #169 |
Frequently asked questions
United Bank of Union denied 2.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 86th percentile of small mortgage lenders.
The most common reason United Bank of Union gave in 2025 was "credit history", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans United Bank of Union originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 62% of its applications were for home purchases, 31% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.