United Bank of Union mortgage approval rate & lending review
United Bank of Union decided 465 mortgage applications and funded 447 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions United Bank of Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
United Bank of Union at a glance
Approval is 15.4 points above the 82.9% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 99% | 222 / 225 | 96% | $195K | 214 |
| Refinance | 96% | 96 / 100 | 100% | $145K | 96 |
| Investment property purchase | 100% | 80 / 80 | 99% | $185K | 79 |
United Bank of Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Missouri | 98% | $185K | 461 | 443 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where United Bank of Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Franklin County, MO | Mortgage lenders | 98% | 196 | 185 |
| Franklin County, MO | Refinance | 97% | 92 | 89 |
| Franklin County, MO | Investment property purchase | 100% | 35 | 35 |
The county markets where United Bank of Union made the most loans. Each link opens that market with every lender ranked.
Questions about United Bank of Union
What is United Bank of Union's mortgage approval rate?
United Bank of Union approved 98.3% of the 465 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.4 points above the 82.9% national rate for the same mix of loan types.
How often do borrowers take the loan United Bank of Union offers?
Borrowers accepted 98% of the loans United Bank of Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does United Bank of Union make?
The typical home purchase mortgage loan United Bank of Union made was $195K; across all loan types its typical loan ran from $145K to $195K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does United Bank of Union lend?
United Bank of Union decided applications in 4 of the states Fat Boy Data covers, most of them in Missouri, Illinois and Florida.
Can I apply to United Bank of Union directly?
Yes. United Bank of Union is a bank or credit union with 3 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show United Bank of Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how United Bank of Union treats applications, then get a rate quote from the lender.