Purchase Originations
559
Ranked #587 nationally
Median Total Costs
$2,887
−56.8% vs national ($6,680)
↑ $145 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↑ 0.000% vs prior year
Median Origination
$1,139
Median Lender Credits
$300
Cost Rank (500+ vol.)
#43
among lenders with 500+ originations
Denial Rate
4.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 518 | 6.500% | $2,847 | $1,139 |
| fha | 34 | 6.188% | $7,250 | $1,200 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Nebraska | 539 | 6.500% | $2,870 | #9 |
| Iowa | 5 | 6.000% | $3,043 | — |
| Colorado | 3 | 6.500% | $3,523 | — |
| Kansas | 2 | 6.250% | $3,580 | — |
| Missouri | 2 | 6.312% | $5,302 | — |
| Arizona | 1 | 6.875% | $5,198 | — |
| Idaho | 1 | 6.875% | $4,438 | — |
| Michigan | 1 | 6.000% | $4,539 | — |
| Montana | 1 | 7.000% | $2,532 | — |
| North Carolina | 1 | 6.500% | $5,293 | — |
| South Dakota | 1 | 6.875% | $3,518 | — |
| Wisconsin | 1 | 6.000% | $4,060 | — |
| Wyoming | 1 | 5.375% | $4,592 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,301 | 6.500% | — | 3 | −$586 | |
| 2 | $2,511 | 6.438% | — | 4 | −$376 | |
| 3 | $2,656 | 6.750% | — | 7 | −$231 | |
| 4 | $2,753 | 6.375% | — | 16 | −$134 | |
| 5 | $2,808 | 6.625% | — | 9 | −$79 | |
| 6 | $2,821 | 6.500% | — | 334 | −$66 | |
| 7 | $2,858 | 6.125% | — | 3 | −$29 | |
| 8 | $2,904 | 6.500% | — | 62 | +$17 | |
| 9 | $2,913 | 6.125% | — | 27 | +$26 | |
| 10 | $2,981 | 6.875% | — | 3 | +$94 | |
| 11 | $3,041 | 6.688% | — | 14 | +$154 | |
| 12 | $3,042 | 6.500% | — | 5 | +$155 | |
| 13 | $3,153 | 6.625% | — | 7 | +$266 | |
| 14 | $3,154 | 6.500% | — | 5 | +$267 | |
| 15 | $3,371 | 6.750% | — | 4 | +$484 | |
| 16 | $3,405 | 6.500% | — | 7 | +$518 | |
| 17 | $3,574 | 6.500% | — | 3 | +$687 | |
| 18 | $3,633 | 6.650% | — | 2 | +$746 | |
| 19 | $3,675 | 6.750% | — | 3 | +$788 | |
| 20 | $3,940 | 6.470% | — | 3 | +$1,053 |
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 and Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $285,000 | $335,000 | −$50,000 (−14.9%) |
| Median total closing costs | $2,887 | $7,127 | −$4,240 (−59.5%) |
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.