Purchase Originations
437
Median Total Costs
$4,208
−37.0% vs national ($6,680)
↑ $16 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,020
Median Lender Credits
$78
Denial Rate
3.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 408 | 6.625% | $4,128 | $1,020 |
| fha | 23 | 6.250% | $8,905 | $1,020 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Vermont | 354 | 6.500% | $4,456 | #3 |
| New Hampshire | 81 | 6.750% | $3,054 | #32 |
| Maine | 1 | 7.125% | $3,411 | — |
| Rhode Island | 1 | 6.875% | $3,921 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,100 | 6.500% | — | 3 | −$2,108 | |
| 2 | $2,783 | 5.938% | — | 2 | −$1,425 | |
| 3 | $2,861 | 6.875% | — | 18 | −$1,347 | |
| 4 | $3,078 | 6.750% | — | 14 | −$1,130 | |
| 5 | $3,121 | 6.625% | — | 36 | −$1,087 | |
| 6 | $3,411 | 7.125% | — | 1 | −$797 | |
| 7 | $3,484 | 6.562% | — | 4 | −$724 | |
| 8 | $3,861 | 6.625% | — | 4 | −$347 | |
| 9 | $3,915 | 6.688% | — | 8 | −$293 | |
| 10 | $3,926 | 6.625% | — | 3 | −$282 | |
| 11 | $4,166 | 6.688% | — | 10 | −$42 | |
| 12 | $4,213 | 6.500% | — | 40 | +$5 | |
| 13 | $4,276 | 6.312% | — | 10 | +$68 | |
| 14 | $4,305 | 6.625% | — | 31 | +$97 | |
| 15 | $4,400 | 6.500% | — | 95 | +$192 | |
| 16 | $4,496 | 6.625% | — | 45 | +$288 | |
| 17 | $4,593 | 6.375% | — | 50 | +$385 | |
| 18 | $4,884 | 6.500% | — | 12 | +$676 | |
| 19 | $4,891 | 6.500% | — | 5 | +$683 | |
| 20 | $5,303 | 6.625% | — | 43 | +$1,095 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Union Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $4,208 | $7,127 | −$2,919 (−41.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.