Union Bank
Union Bank received 842 applications in 2025 and made 700 mortgages, in 25 counties across 4 states. The median rate its borrowers got was 6.750% on a median loan of $265,000. Of 740 decisions, 37 were denials — 5.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300I3PFIO81O8JD40 |
|---|---|
| Applications received | 842 |
| Mortgages made | 700 |
| Denied | 37 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 102 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2135 points |
| FDIC-insured bank | Yes: Union Bank, 3 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 529 | 6.625% | $295,000 | 3.8% |
| Refinancing | 37 | 6.375% | $265,000 | 0.0% |
| Cash-out refinancing | 50 | 6.750% | $185,000 | 9.1% |
| Other purposes | 84 | 7.990% | $60,000 | 11.5% |
Where Union Bank lends most
The 25 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Chittenden County, VT | 133 | 6.500% | 3.6% |
| Grafton County, NH | 83 | 6.750% | 4.6% |
| Lamoille County, VT | 70 | 6.875% | 4.1% |
| Orleans County, VT | 70 | 6.500% | 4.1% |
| Caledonia County, VT | 68 | 6.750% | 11.7% |
| Franklin County, VT | 63 | 6.750% | 7.4% |
| Washington County, VT | 61 | 6.750% | 3.2% |
| Carroll County, NH | 32 | 6.875% | 5.9% |
| Coos County, NH | 32 | 6.875% | 0.0% |
| Addison County, VT | 15 | 6.625% | 6.3% |
| Orange County, VT | 14 | 6.625% | 0.0% |
| Essex County, VT | 12 | 6.563% | 0.0% |
| Grand Isle County, VT | 11 | 7.000% | 0.0% |
| Windsor County, VT | 8 | Under 10 loans | 11.1% |
| Belknap County, NH | 7 | Under 10 loans | 12.5% |
| Rutland County, VT | 5 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 3 | Under 10 loans | 0.0% |
| Merrimack County, NH | 3 | Under 10 loans | 0.0% |
| Rockingham County, NH | 2 | Under 10 loans | 0.0% |
| Sullivan County, NH | 2 | Under 10 loans | 0.0% |
| Bennington County, VT | 2 | Under 10 loans | 0.0% |
| Oxford County, ME | 1 | Under 10 loans | 50.0% |
| Strafford County, NH | 1 | Under 10 loans | 0.0% |
| Washington County, RI | 1 | Under 10 loans | 0.0% |
| Windham County, VT | 1 | Under 10 loans | 0.0% |
Get told when this changes
When Union Bank’s figures are published for the next year, or restated.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.