United Credit Union in Missouri vs the state
35.2%Denial rate+20.15 pts vs state
42.8%Decision denial rate+24.05 pts vs state
40.9%Origination rate-21.78 pts vs state
6.63%Median rate0.00 pts vs state
0.35Rate spread (pts)0.00 pts vs state
$77kMedian applicant income
65Loans originated
56Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 120 | 47 | 36.7% | — | #215 |
| 2024 | 88 | 27 | 43.2% | — | #262 |
| 2025 | 159 | 65 | 35.2% | 6.63% | #215 |
What United Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most United Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Audrain County | 49 | 21 | 16 | 32.7% |
| Callaway County | 25 | 11 | 11 | 44.0% |
| Boone County | 22 | 10 | 7 | 31.8% |
| Lincoln County | 20 | 9 | 7 | 35.0% |
| Randolph County | 18 | 7 | 5 | 27.8% |
| Pike County | 7 | 3 | 3 | 42.9% |
| Ralls County | 4 | 0 | 4 | 100.0% |
| Montgomery County | 3 | 2 | 1 | 33.3% |
| Linn County | 1 | 0 | 0 | 0.0% |
| Macon County | 1 | 0 | 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: 159 applications in 2025, of which 65 were originated and 56 denied.
35.2% of all applications, or 42.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans United Credit Union originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are United Credit 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