What loan types does United Bank of Union offer?

United Bank of Union offers the following mortgage loan types: Conventional. Each product has its own pricing score and performance metrics.

Where does United Bank of Union offer mortgages?

United Bank of Union offers mortgages in 2 states: KY, MO.

How competitive are United Bank of Union's mortgage rates?

United Bank of Union has an overall pricing score of 80/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is United Bank of Union?

United Bank of Union is a Bank headquartered in Union, MO.

Unclaimed

United Bank of Union

Bank•Union, MOHQ•Direct•Reviews near you on Google

United Bank of Union has 123 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Strong

4/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Strong

4/5

Regional · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Refinance

Superstar

Summary

What They Do Well

Offers rates 32.60 basis points below market average
Lower than average lender fees
Strong pull through performance

Explore another lender or local market

Report Card

United Bank of Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 32.6 bps below market avg

5/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

120 loans · 0.34% below market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

76 loans · 0.06% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

47 loans · 0.77% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Exceptional	Sound	120	97.6%	-0.338%Below	$883Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume120

Mix97.6%

Spread

-0.338%Below

Fees

$883Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Exceptional	Sound	76	61.8%	-0.058%Below	$939Fees
Refinance	Strong	Sound	Exceptional	Strong	47	38.2%	-0.774%Below	$832Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Exceptional

Pull Through

Sound

Volume76

Mix61.8%

Spread

-0.058%Below

Fees

$939Fees

Refinance

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Strong

Volume47

Mix38.2%

Spread

-0.774%Below

Fees

$832Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

123

Applications

144

Volume

$27 million

Pricing & Closing

Avg Rate Spread

-0.326%

vs. market APOR

Avg Net Fees

$899

Origination − Credits

Pullthrough Rate

85.4%

Applications → Closed

Typical Borrower

Avg Loan Amount

$222,724

Avg Borrower Income

$122,602

Avg Property Value

$332,398

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 100100+None

Midwest1

South1

Top Metro Areas by Place Specialization Score

St. Louis, MO, MO-ILMetro

Volume 107Mix 86.99% of portfolio

75/100

Strong

Top States by Place Specialization Score

MissouriState

Volume 122Mix 99.19% of portfolio

70/100

Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

Looking for a different lender?

Are you the owner of United Bank of Union?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.