United Federal Credit Union in Missouri vs the state
31.6%Denial rate+16.51 pts vs state
42.9%Decision denial rate+24.16 pts vs state
36.8%Origination rate-25.82 pts vs state
6.63%Median rate0.00 pts vs state
0.53Rate spread (pts)+0.18 pts vs state
$104kMedian applicant income
7Loans originated
6Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 18 | 7 | 50.0% | 7.25% | #432 |
| 2024 | 9 | 5 | 11.1% | 7.63% | #503 |
| 2025 | 19 | 7 | 31.6% | 6.63% | #439 |
What United Federal Credit Union lends in Missouri
By loan purpose
By loan type
Why it denied Missouri applicants
Where in Missouri
Counties with the most United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Taney County | 3 | 2 | 0 | 0.0% |
| Barry County | 2 | 1 | 1 | 50.0% |
| Christian County | 2 | 2 | 0 | 0.0% |
| Jackson County | 2 | 0 | 2 | 100.0% |
| McDonald County | 2 | 0 | 1 | 50.0% |
| Newton County | 2 | 1 | 1 | 50.0% |
| St. Louis County | 1 | 1 | 0 | 0.0% |
| Jasper County | 1 | 0 | 0 | 0.0% |
| Callaway County | 1 | 0 | 1 | 100.0% |
| Jefferson 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: 19 applications in 2025, of which 7 were originated and 6 denied.
31.6% of all applications, or 42.9% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
The median rate on loans United Federal Credit Union originated in Missouri in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are United Federal 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