United Credit Union
United Credit Union received 159 applications in 2025 and made 65 mortgages, in 11 counties across 1 state. The median rate its borrowers got was 6.625% on a median loan of $75,000. Of 131 decisions, 56 were denials — 42.8%, most often for debt-to-income ratio. 16 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493000LMWUP8XI9UY21 |
|---|---|
| Applications received | 159 |
| Mortgages made | 65 |
| Denied | 56 |
| Approved, not taken up | 10 |
| Withdrawn or incomplete | 28 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.353 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 18 | 5.750% | $115,000 | 21.7% |
| Refinancing | 46 | 6.750% | $55,000 | 47.7% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where United Credit Union lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Audrain County, MO | 21 | 6.625% | 38.1% |
| Callaway County, MO | 11 | 6.625% | 47.8% |
| Boone County, MO | 10 | 6.563% | 38.9% |
| Lincoln County, MO | 9 | Under 10 loans | 43.8% |
| Randolph County, MO | 7 | Under 10 loans | 35.7% |
| Pike County, MO | 3 | Under 10 loans | 42.9% |
| Montgomery County, MO | 2 | Under 10 loans | 33.3% |
| Shelby County, MO | 1 | Under 10 loans | 0.0% |
| Linn County, MO | 0 | Under 10 loans | Not published |
| Macon County, MO | 0 | Under 10 loans | Not published |
| Ralls County, MO | 0 | Under 10 loans | 100.0% |
Get told when this changes
When United Credit Union’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.