Union Savings Bank
8,105 mortgages originated in 2025 across 5 states, and what they cost borrowers.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 8,105
- Median rate
- 6.750%
- Median lender fees
- $1,690
- Median loan amount
- $235,000
- Median spread over APOR
- 0.212
- Paid discount points
- 4.4%
- Received lender credits
- 17.2%
- Purchases / refinances
- 52.2% / 27.7%
- Conventional / FHA / VA
- 93% / 4.8% / 1.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.2% of loans here — see methodology.
Where Union Savings Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Ohio | 5,594 | $1,510 | 6.750% |
| Indiana | 1,546 | $1,527 | 6.625% |
| Pennsylvania | 550 | $4,099 | 6.688% |
| Kentucky | 178 | $1,369 | 6.625% |
| Florida | 127 | $6,271 | 7.000% |