Union State Bank
Union State Bank received 181 applications in 2025 and made 155 mortgages, in 24 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $135,000. Of 167 decisions, 10 were denials — 6.0%.
| Legal Entity Identifier | 5493007LG15SP6QAWL48 |
|---|---|
| Applications received | 181 |
| Mortgages made | 155 |
| Denied | 10 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 14 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Union State Bank, 12 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 87 | Not published | $145,000 | 3.3% |
| Refinancing | 41 | Not published | $135,000 | 2.4% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Other purposes | 20 | Not published | $85,000 | 0.0% |
Where Union State Bank lends most
The 24 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Sedgwick County, KS | 55 | Not published | 1.8% |
| Cowley County, KS | 35 | Not published | 14.3% |
| Harvey County, KS | 28 | Not published | 3.3% |
| Butler County, KS | 6 | Under 10 loans | 0.0% |
| Oklahoma County, OK | 5 | Under 10 loans | 0.0% |
| Sumner County, KS | 3 | Under 10 loans | 25.0% |
| Washington County, OK | 3 | Under 10 loans | 25.0% |
| Douglas County, KS | 2 | Under 10 loans | 0.0% |
| Kingman County, KS | 2 | Under 10 loans | 0.0% |
| McPherson County, KS | 2 | Under 10 loans | 0.0% |
| Kay County, OK | 2 | Under 10 loans | 0.0% |
| Jefferson County, CO | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 1 | Under 10 loans | 0.0% |
| Dickinson County, KS | 1 | Under 10 loans | 0.0% |
| Marion County, KS | 1 | Under 10 loans | 0.0% |
| Phillips County, KS | 1 | Under 10 loans | 0.0% |
| Reno County, KS | 1 | Under 10 loans | 0.0% |
| Canadian County, OK | 1 | Under 10 loans | 0.0% |
| Cleveland County, OK | 1 | Under 10 loans | 0.0% |
| McClain County, OK | 1 | Under 10 loans | 0.0% |
| Payne County, OK | 1 | Under 10 loans | 0.0% |
| Seminole County, OK | 1 | Under 10 loans | 0.0% |
| Tulsa County, OK | 1 | Under 10 loans | 0.0% |
| Cass County, MO | 0 | Under 10 loans | Not published |
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When Union State 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.