UNICO Bank
UNICO Bank received 150 applications in 2025 and made 135 mortgages, in 16 counties across 2 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 146 decisions, 8 were denials — 5.5%.
| Legal Entity Identifier | 254900UEAUWHP0CJXA09 |
|---|---|
| Applications received | 150 |
| Mortgages made | 135 |
| Denied | 8 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 4 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: UNICO Bank, 15 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 92 | Not published | $150,000 | 2.1% |
| Refinancing | 27 | Not published | $145,000 | 6.9% |
| Other purposes | 16 | Not published | $50,000 | 19.1% |
Where UNICO Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, MO | 34 | Not published | 10.5% |
| Greene County, AR | 33 | Not published | 0.0% |
| St. Francois County, MO | 29 | Not published | 9.4% |
| Craighead County, AR | 16 | Not published | 0.0% |
| Poinsett County, AR | 6 | Under 10 loans | 11.1% |
| Clay County, AR | 3 | Under 10 loans | 0.0% |
| Reynolds County, MO | 3 | Under 10 loans | 0.0% |
| Dunklin County, MO | 2 | Under 10 loans | 0.0% |
| Madison County, MO | 2 | Under 10 loans | 0.0% |
| Lawrence County, AR | 1 | Under 10 loans | 0.0% |
| Mississippi County, AR | 1 | Under 10 loans | 0.0% |
| Sharp County, AR | 1 | Under 10 loans | 0.0% |
| Cape Girardeau County, MO | 1 | Under 10 loans | 0.0% |
| Iron County, MO | 1 | Under 10 loans | 0.0% |
| Jefferson County, MO | 1 | Under 10 loans | 0.0% |
| New Madrid County, MO | 1 | Under 10 loans | 0.0% |
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When UNICO Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.