United Community Bank in Missouri vs the state
5.9%Denial rate-9.19 pts vs state
7.5%Decision denial rate-11.17 pts vs state
71.4%Origination rate+8.77 pts vs state
6.68%Median rate+0.05 pts vs state
0.31Rate spread (pts)-0.04 pts vs state
$86kMedian applicant income
85Loans originated
7Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 66 | 48 | 13.6% | 6.88% | #289 |
| 2024 | 111 | 76 | 8.1% | 6.63% | #234 |
| 2025 | 119 | 85 | 5.9% | 6.68% | #249 |
What United Community Bank lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most United Community Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 18 | 14 | 0 | 0.0% |
| Buchanan County | 17 | 12 | 0 | 0.0% |
| Clark County | 12 | 7 | 2 | 16.7% |
| Lewis County | 12 | 10 | 1 | 8.3% |
| Moniteau County | 7 | 4 | 1 | 14.3% |
| St. Louis County | 6 | 6 | 0 | 0.0% |
| Camden County | 5 | 5 | 0 | 0.0% |
| St. Charles County | 4 | 4 | 0 | 0.0% |
| Adair County | 4 | 1 | 1 | 25.0% |
| St. Louis city | 4 | 4 | 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: 119 applications in 2025, of which 85 were originated and 7 denied.
5.9% of all applications, or 7.5% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans United Community Bank originated in Missouri in 2025 was 6.68%, against a statewide median of 6.63%.
About this data. Figures are United Community Bank'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