# United Bank of Union

> **Canonical URL:** https://saferate.com/lenders/united-bank-of-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


United Bank of Union is a bank, headquartered in Union, MO, serving borrowers across 2 states, with 123 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 20% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493008WWKO0RD22RN65
- **Headquarters:** Union, MO
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** KY, MO
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.326%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $899
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 123
- **Dollar Volume:** $27 million
- **Applications Received:** 144
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $222,724
- **Average Borrower Income:** $122,602
- **Average Property Value:** $332,398

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 37/100 | 120 | -0.338% | $883 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 73 loans, Score: 32/100 (Acceptable)
- Refinance: 47 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 33/100 | 76 | $18M | -0.058% | Acceptable 🙂 |
| Refinance | 47/100 | 47 | $10M | -0.774% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MO | 122 | 0.16% | 70/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| St. Louis, MO | MO-IL | 107 | 75/100 |
| Non |  | 12 | 27/100 |

## Where This Lender Ranks

United Bank of Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#11** in St. Louis, MO Banks
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders/banks)
- 🏆 **#13** in St. Louis, MO
  - [View Full Rankings](https://saferate.com/st-louis-mo/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does United Bank of Union offer?

United Bank of Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does United Bank of Union offer mortgages?

United Bank of Union offers mortgages in 2 states: KY, MO.

### How competitive are United Bank of Union's mortgage rates?

United Bank of Union has a pricing score of 80/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.326% below market average.

### What type of lender is United Bank of Union?

United Bank of Union is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Union, MO.

### What is United Bank of Union's loan approval success rate?

United Bank of Union has a pull-through score of 61/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/united-bank-of-union

### How to Cite

> "United Bank of Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/united-bank-of-union

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