United Bank of Union
United Bank of Union received 229 applications in 2025 and made 187 mortgages, in 26 counties across 3 states. The median rate its borrowers got was 6.625% on a median loan of $205,000. Of 197 decisions, 5 were denials — 2.5%, most often for credit history.
| Legal Entity Identifier | 5493008WWKO0RD22RN65 |
|---|---|
| Applications received | 229 |
| Mortgages made | 187 |
| Denied | 5 |
| Approved, not taken up | 5 |
| Withdrawn or incomplete | 32 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.003 points |
| FDIC-insured bank | Yes: United Bank of Union, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 120 | 6.625% | $205,000 | 0.8% |
| Refinancing | 46 | 6.813% | $190,000 | 6.1% |
| Cash-out refinancing | 11 | 6.250% | $205,000 | 8.3% |
| Other purposes | 10 | 7.500% | $75,000 | 0.0% |
Where United Bank of Union lends most
The 26 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Franklin County, MO | 131 | 6.625% | 3.6% |
| St. Louis County, MO | 11 | 6.750% | 0.0% |
| Warren County, MO | 6 | Under 10 loans | 0.0% |
| Jefferson County, MO | 5 | Under 10 loans | 0.0% |
| St. Charles County, MO | 4 | Under 10 loans | 0.0% |
| St. Louis city, MO | 4 | Under 10 loans | 0.0% |
| Gasconade County, MO | 3 | Under 10 loans | 0.0% |
| Polk County, MO | 3 | Under 10 loans | 0.0% |
| Washington County, MO | 3 | Under 10 loans | 0.0% |
| Stone County, MO | 2 | Under 10 loans | 0.0% |
| Madison County, IL | 1 | Under 10 loans | 0.0% |
| Benton County, MO | 1 | Under 10 loans | 0.0% |
| Camden County, MO | 1 | Under 10 loans | 0.0% |
| Cass County, MO | 1 | Under 10 loans | 0.0% |
| Cole County, MO | 1 | Under 10 loans | 0.0% |
| Crawford County, MO | 1 | Under 10 loans | 0.0% |
| Lafayette County, MO | 1 | Under 10 loans | 0.0% |
| Madison County, MO | 1 | Under 10 loans | 0.0% |
| Osage County, MO | 1 | Under 10 loans | 0.0% |
| Phelps County, MO | 1 | Under 10 loans | 0.0% |
| Platte County, MO | 1 | Under 10 loans | 0.0% |
| Pulaski County, MO | 1 | Under 10 loans | 0.0% |
| St. Francois County, MO | 1 | Under 10 loans | 0.0% |
| Texas County, MO | 1 | Under 10 loans | 0.0% |
| Warren County, OH | 1 | Under 10 loans | 0.0% |
| Morgan County, MO | 0 | Under 10 loans | Not published |
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When United Bank of Union’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.