Applications / Mortgage Analytics / Lenders / Missouri / United Bank of Union
Union, MO · State non-member bank · FDIC · $562 million assets · 187 loans in 2025
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187
loans originated, 2025
229
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Bank of Union, a small Missouri bank, lends to borrowers of modest means far more than similar banks do: 39.2% of its loans went to low- and moderate-income households.
Similar lenders here means banks of the same type making between half and twice as many loans. At the middle of that group, 27.7% of loans went to low- and moderate-income (LMI) borrowers; at United Bank of Union the figure was 39.2%, higher than at nearly nine in ten. Its share in LMI neighborhoods, 23.5% against 17.7%, was also higher than at more than two-thirds of them.
Its typical rate was 6.62%, against 6.88% at similar lenders, lower than at more than eight in ten of them. Only 1.3% of its loans were higher-priced, meaning a rate well above the average for similar loans, against 2.2% at similar lenders. Every loan was conventional, with no government backing.
Manufactured homes made up 6.4% of its loans, more than double the 2.8% at similar lenders. Its typical loan, $205,000, was a little above the $175,000 at peers. About two-thirds of its loans financed purchases.
St. Louis is its largest market. It has lent there since 1990 and ranks 87 of 637, with a share steady at 0.2%. Its volume held flat at 187 loans while similar lenders grew 10%; a bank this size can swing with a handful of loans either way.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Bank of Union took 229 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.2% · Refinance 30.5% · Other 3.2% · Home improvement 2.1%
Conventional 100.0% · of 187 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 | 185 | 98.9% |
| Illinois | 1 | 0.5% |
| Ohio | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| St. Louis | 162 |
| Kansas City | 3 |
| Springfield | 3 |
| Jefferson City | 2 |
| Cincinnati | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008WWKO0RD22RN65 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 562058 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314334 | 1990–2017 |
Established 22 March 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: United Bank of Union's data.
United Bank of Union's data
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United Bank of Union 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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