A local name in Jefferson City
It has lent in Jefferson City since 2010 and held 1.0% of that market in 2025, down from 1.1%. Flat Branch Mortgage led it. The small dip matches its lower loan count.
Applications / Mortgage Analytics / Lenders / Missouri / United Security Bank
United Security Bank
Fulton, MO · State non-member bank · FDIC · $98.6 million assets · 52 loans in 2025
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52
loans originated, 2025
52
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Security Bank is a Jefferson City lender, ranking 16 of 189 in that market, though its loan count slipped in 2025 while similar banks grew.
A slight decline
It made 52 loans, 10% fewer than in 2024, while similar lenders, state non-member banks making between half and twice as many loans, grew 5%. It filed no report for 2020 to 2022. It has made between 52 and 58 loans a year since it resumed reporting in 2023, against 28 and 20 in 2018 and 2019.
Smaller loans, split between buying and refinancing
Its typical loan was $125,000, against $165,000 at similar lenders. Refinances made up 50.0% of its loans and purchases 44.2%. All were conventional.
Lower-income borrowers, few poorer neighborhoods
Low- and moderate-income borrowers took 33.3% of its loans, against 27.0% at similar lenders. But only 9.6% of its loans were in low- and moderate-income neighborhoods, against 18.6% at peers, and none in majority-minority ones. Its markets, Jefferson City and non-metro Missouri, may hold few such neighborhoods.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
52 loans in 2025, against a peak of 58 in 2024.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. United Security Bank took 52 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
50.0% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 50.0% · Purchase 44.2% · Home improvement 5.8%
Conventional 100.0% · of 52 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
1 state, 2 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| Missouri | 52 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Jefferson City | 43 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900QQZUS3XZMKYY67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 630340 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 31427 | 2010–2017 |
Established 25 January 1930. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: United Security Bank's data.
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