Applications / Mortgage Analytics / Lenders / Missouri / UNICO Bank
Mineral Point, MO · State non-member bank · FDIC · $505 million assets · 135 loans in 2025
UNICO Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
135
loans originated, 2025
150
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UNICO Bank is a small-town lender in Missouri and Arkansas: most of its 135 loans in 2025 financed home purchases, many of them in poorer neighborhoods.
Purchases made up 68.1% of its loans and refinances 20.0%. It lends mainly outside the metros of Missouri and Arkansas, with smaller footholds in Jonesboro and Cape Girardeau. Its typical loan, $135,000, was smaller than the $175,000 at similar lenders, state non-member banks making between half and twice as many loans.
It made 26.9% of its loans in low- and moderate-income (LMI) neighborhoods, against 17.5% at similar lenders, more than at three in four of them. Manufactured homes made up 7.4% of its loans, more than twice the 3.1% at its peers.
Its loans fell 8% to 135, while similar lenders grew 9%. It made 261 in 2020 and fewer in each year since. Its dollar lending still rose, to $24.5 million from $20.6 million, as its typical loan grew to $135,000 from $90,000. It may have chosen fewer, larger loans rather than simply lost business.
Its share fell in Jonesboro, to 0.5% from 0.7%, where Arvest Bank led, but rose in Cape Girardeau, to 0.2% from 0.0%. Its smaller number of loans overall may account for the slip in Jonesboro.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UNICO Bank took 150 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.1% · Refinance 20.0% · Home improvement 8.9% · Other 3.0%
Conventional 100.0% · of 135 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
| State | Loans | Share |
|---|---|---|
| Missouri | 74 | 54.8% |
| Arkansas | 61 | 45.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jonesboro | 22 |
| Cape Girardeau | 1 |
| St. Louis | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900UEAUWHP0CJXA09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 975153 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 310608 | 2004–2017 |
Established 1 January 1901. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: UNICO Bank's data.
UNICO Bank's data
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UNICO Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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