Purchase Originations
135
Median Total Costs
$6,332
−5.2% vs national ($6,680)
↑ $596 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$3,364
Median Lender Credits
$18
Denial Rate
14.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 126 | 6.625% | $6,220 | $3,414 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,506 | 6.250% | — | 2 | −$2,826 | |
| 2 | $4,251 | 6.125% | — | 2 | −$2,081 | |
| 3 | $4,591 | 6.875% | — | 1 | −$1,741 | |
| 4 | $4,998 | 6.875% | — | 3 | −$1,334 | |
| 5 | $5,046 | 6.688% | — | 14 | −$1,286 | |
| 6 | $5,108 | 6.750% | — | 5 | −$1,224 | |
| 7 | $5,528 | 6.125% | — | 5 | −$804 | |
| 8 | $5,997 | 6.375% | — | 13 | −$335 | |
| 9 | $6,006 | 6.625% | — | 7 | −$326 | |
| 10 | $6,022 | 6.500% | — | 6 | −$310 | |
| 11 | $6,213 | 6.625% | — | 15 | −$119 | |
| 12 | $6,265 | 6.750% | — | 11 | −$67 | |
| 13 | $6,508 | 6.062% | — | 2 | +$176 | |
| 14 | $6,692 | 5.750% | — | 3 | +$360 | |
| 15 | $6,967 | 6.875% | — | 1 | +$635 | |
| 16 | $7,413 | 6.500% | — | 3 | +$1,081 | |
| 17 | $7,666 | 6.625% | — | 20 | +$1,334 | |
| 18 | $8,328 | 6.625% | — | 1 | +$1,996 | |
| 19 | $8,675 | 6.688% | — | 12 | +$2,343 | |
| 20 | $9,362 | 6.875% | — | 1 | +$3,030 |
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 | United Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $6,332 | $7,127 | −$795 (−11.2%) |
Other high-volume lenders side-by-side.
Found your lender? Make sure their quote is fair.
HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.