United Bank
3,094 mortgages originated in 2025 across 8 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
- 3,094
- Median rate
- 6.625%
- Median lender fees
- $5,008
- Median loan amount
- $275,000
- Median spread over APOR
- 0.182
- Paid discount points
- 19.6%
- Received lender credits
- 16.9%
- Purchases / refinances
- 59.5% / 23.6%
- Conventional / FHA / VA
- 92% / 4.9% / 2.2%
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 59.9% of loans here — see methodology.
Where United Bank lent
States with at least 50 loans in 2025, ranked by volume.
| State | Loans | Median fees | Median rate |
|---|---|---|---|
| Virginia | 1,374 | $5,140 | 6.490% |
| North Carolina | 419 | $4,599 | 7.000% |
| West Virginia | 332 | $3,938 | 6.900% |
| Maryland | 318 | $5,098 | 6.150% |
| South Carolina | 220 | $4,939 | 7.000% |
| Georgia | 197 | $5,005 | 6.750% |
| District of Columbia | 110 | $6,207 | 5.990% |
| Pennsylvania | 77 | — | 7.150% |