Purchase Originations
3,490
Ranked #143 nationally
Median Total Costs
$2,759
−58.7% vs national ($6,680)
↓ $22 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$500
Median Lender Credits
$250
Cost Rank (500+ vol.)
#34
among lenders with 500+ originations
Denial Rate
4.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,000 | 6.750% | $2,417 | $500 |
| fha | 334 | 6.250% | $7,033 | $400 |
| va | 125 | 6.250% | $4,734 | $450 |
| usda | 31 | 6.250% | $4,910 | $400 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Ohio | 2,345 | 6.625% | $2,580 | #8 |
| Indiana | 627 | 6.625% | $2,248 | #24 |
| Pennsylvania | 344 | 6.500% | $4,862 | #62 |
| Kentucky | 64 | 6.625% | $1,947 | #102 |
| Florida | 62 | 7.000% | $8,827 | #292 |
| South Carolina | 7 | 6.500% | $4,674 | — |
| Georgia | 6 | 7.000% | $3,824 | — |
| Michigan | 4 | 6.625% | $5,914 | — |
| North Carolina | 4 | 6.500% | $3,583 | — |
| Arizona | 3 | 6.750% | $9,088 | — |
| Illinois | 3 | 6.375% | $5,099 | — |
| New York | 3 | 7.250% | $8,190 | — |
| Tennessee | 3 | 6.500% | $2,276 | — |
| Virginia | 3 | 6.500% | $3,316 | — |
| Maryland | 2 | 6.250% | $10,543 | — |
| Arkansas | 1 | 6.375% | $11,103 | — |
| California | 1 | 6.875% | $25,136 | — |
| Massachusetts | 1 | 5.500% | $14,560 | — |
| Minnesota | 1 | 6.875% | $2,647 | — |
| Montana | 1 | 6.250% | $10,396 | — |
| New Mexico | 1 | 5.750% | $4,301 | — |
| Oklahoma | 1 | 7.250% | $5,502 | — |
| Texas | 1 | 6.500% | $8,955 | — |
| Wisconsin | 1 | 7.250% | $3,398 | — |
| West Virginia | 1 | 6.250% | $3,441 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,494 | 6.625% | — | 102 | −$1,265 | |
| 2 | $1,559 | 6.625% | — | 216 | −$1,200 | |
| 3 | $1,735 | 6.750% | — | 232 | −$1,024 | |
| 4 | $1,805 | 6.625% | — | 354 | −$954 | |
| 5 | $1,846 | 6.750% | — | 117 | −$913 | |
| 6 | $1,917 | 6.625% | — | 455 | −$842 | |
| 7 | $1,983 | 6.625% | — | 128 | −$776 | |
| 8 | $2,113 | 6.625% | — | 158 | −$646 | |
| 9 | $2,196 | 6.625% | — | 114 | −$563 | |
| 10 | $2,251 | 6.625% | — | 107 | −$508 | |
| 11 | $2,297 | 6.750% | — | 59 | −$462 | |
| 12 | $2,450 | 6.625% | — | 37 | −$309 | |
| 13 | $3,279 | 6.750% | — | 42 | +$520 | |
| 14 | $3,622 | 6.750% | — | 34 | +$863 | |
| 15 | $3,694 | 6.625% | — | 282 | +$935 | |
| 16 | $3,999 | 6.625% | — | 75 | +$1,240 | |
| 17 | $4,763 | 6.500% | — | 34 | +$2,004 | |
| 18 | $4,798 | 6.625% | — | 126 | +$2,039 | |
| 19 | $5,420 | 6.375% | — | 35 | +$2,661 | |
| 20 | $5,685 | 6.500% | — | 42 | +$2,926 |
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 Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $305,000 | $335,000 | −$30,000 (−9.0%) |
| Median total closing costs | $2,759 | $7,127 | −$4,368 (−61.3%) |
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.