Lender in Maryland · HMDA 2025
United Bank mortgages in Maryland
United Bank's 2025 home-purchase and refinance lending in Maryland, compared with all lenders in the state.
United Bank originated 235 owner-occupied single-family loans in Maryland from 258 completed applications.
Its median conventional purchase loan costs were $5,270 versus $6,150 for all Maryland lenders, at a median 30-year fixed rate of 6.49% (Maryland: 6.625%).
Loans in MD
235
of 258 applications
Denial rate
8.1%
Purchase · MD 8.6%
Rate spread
+0.07 pts
Conv. · MD +0.14 pts
Loan amount
$445,000
Purchase · MD $405,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 197 | 180 | 8.1% | 6.490% | +0.07 pts | $5,270 | $445,000 |
| Refinance | 56 | 50 | 10.7% | — | +0.04 pts | $4,250 | $515,000 |
| Cash-out refinance | 5 | 5 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology