Union Bank closing costs and rates (2024)
In 2024, Union Bank originated 395 purchase mortgages at a median interest rate of 6.62% and median total closing costs of $4,192. That is $2,549 below the national median of $6,741. Union Bank is most active in Vermont with 316 originations there.
Purchase Originations
395
Median Total Costs
$4,192
−37.8% vs national ($6,741)
Median Rate
6.625%
+0.1% vs national (6.620%)
Median Origination
$1,020
Median Lender Credits
$75
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 374 | 6.750% | $4,165 | $1,086 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Vermont | 316 | 6.625% | $4,384 | #4 |
| New Hampshire | 74 | 6.875% | $3,224 | #33 |
| Maine | 5 | 6.875% | $3,240 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,706 | 6.500% | — | 2 | −$1,486 | |
| 2 | $2,898 | 6.625% | — | 12 | −$1,294 | |
| 3 | $2,932 | 6.875% | — | 9 | −$1,260 | |
| 4 | $3,224 | 6.875% | — | 44 | −$968 | |
| 5 | $3,493 | 6.688% | — | 2 | −$699 | |
| 6 | $3,518 | 6.875% | — | 5 | −$674 | |
| 7 | $3,532 | 8.000% | — | 2 | −$660 | |
| 8 | $3,691 | 7.375% | — | 2 | −$501 | |
| 9 | $3,873 | 7.000% | — | 7 | −$319 | |
| 10 | $3,885 | 6.812% | — | 10 | −$307 | |
| 11 | $4,169 | 6.625% | — | 25 | −$23 | |
| 12 | $4,212 | 6.500% | — | 2 | +$20 | |
| 13 | $4,230 | 6.625% | — | 42 | +$38 | |
| 14 | $4,333 | 6.500% | — | 6 | +$141 | |
| 15 | $4,397 | 6.500% | — | 41 | +$205 | |
| 16 | $4,425 | 6.750% | — | 52 | +$233 | |
| 17 | $4,540 | 6.625% | — | 75 | +$348 | |
| 18 | $4,544 | 6.812% | — | 40 | +$352 | |
| 19 | $4,987 | 6.625% | — | 4 | +$795 | |
| 20 | $5,700 | 6.875% | — | 7 | +$1,508 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.