United Bank of Union in Missouri vs the state
2.2%Denial rate-12.87 pts vs state
2.6%Decision denial rate-16.14 pts vs state
81.5%Origination rate+18.84 pts vs state
6.63%Median rate0.00 pts vs state
0.00Rate spread (pts)-0.35 pts vs state
$99kMedian applicant income
185Loans originated
5Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 229 | 207 | 0.0% | 6.88% | #142 |
| 2024 | 211 | 186 | 2.4% | 6.88% | #159 |
| 2025 | 227 | 185 | 2.2% | 6.63% | #169 |
What United Bank of Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most United Bank of Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 167 | 131 | 5 | 3.0% |
| St. Louis County | 11 | 11 | 0 | 0.0% |
| Jefferson County | 6 | 5 | 0 | 0.0% |
| St. Charles County | 6 | 4 | 0 | 0.0% |
| Warren County | 6 | 6 | 0 | 0.0% |
| St. Louis city | 5 | 4 | 0 | 0.0% |
| Stone County | 3 | 2 | 0 | 0.0% |
| Polk County | 3 | 3 | 0 | 0.0% |
| Washington County | 3 | 3 | 0 | 0.0% |
| Gasconade County | 3 | 3 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 227 applications in 2025, of which 185 were originated and 5 denied.
2.2% of all applications, or 2.6% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans United Bank of Union originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are United Bank of Union's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology