United Bank closing costs and rates (2024)
In 2024, United Bank originated 138 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $5,736. That is $1,005 below the national median of $6,741. United Bank is most active in Georgia with 134 originations there.
Purchase Originations
138
Median Total Costs
$5,736
−14.9% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$3,037
Median Lender Credits
$43
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 130 | 6.875% | $5,599 | $3,110 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Georgia | 134 | 6.750% | $5,736 | #123 |
| Florida | 2 | 6.562% | $6,957 | — |
| North Carolina | 1 | 7.250% | $6,475 | — |
| Tennessee | 1 | 7.250% | $5,415 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,813 | 7.750% | — | 2 | −$923 | |
| 2 | $5,124 | 6.875% | — | 7 | −$612 | |
| 3 | $5,156 | 7.000% | — | 3 | −$580 | |
| 4 | $5,304 | 6.562% | — | 14 | −$432 | |
| 5 | $5,447 | 6.375% | — | 3 | −$289 | |
| 6 | $5,599 | 6.562% | — | 6 | −$137 | |
| 7 | $5,616 | 6.750% | — | 14 | −$120 | |
| 8 | $5,733 | 6.750% | — | 12 | −$3 | |
| 9 | $5,748 | 6.688% | — | 2 | +$12 | |
| 10 | $6,062 | 7.000% | — | 7 | +$326 | |
| 11 | $6,305 | 6.625% | — | 7 | +$569 | |
| 12 | $6,559 | 6.875% | — | 9 | +$823 | |
| 13 | $6,562 | 6.625% | — | 4 | +$826 | |
| 14 | $6,572 | 6.625% | — | 9 | +$836 | |
| 15 | $6,764 | 6.875% | — | 8 | +$1,028 | |
| 16 | $7,631 | 6.875% | — | 5 | +$1,895 | |
| 17 | $7,647 | 6.312% | — | 2 | +$1,911 | |
| 18 | $8,190 | 6.750% | — | 6 | +$2,454 | |
| 19 | $9,921 | 6.625% | — | 1 | +$4,185 | |
| 20 | $10,309 | 7.188% | — | 2 | +$4,573 |
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.