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USB offers many options to help you buy your next home or refinance your existing home. Maybe you have just enough money for a small down payment, want to save some money with a better rate, or you just want to explore the possibilities! USB is committed to helping your dream come true with quality service and competitive interest rates.

APR: 3.441%
RATE: 3.25%

15 Year Rate*
APR accurate as of
August 7, 2017

APR: 3.984%
RATE: 3.875%

30 Year Rate*
APR accurate as of
August 7, 2017

* 15 & 30 Year Conventional Rates - The Annual Percentage Rate (APR) is based on a loan amount of $150,000.00 with a 20% down payment, a 1% origination fee and common and customary closing costs. Monthly payments for a 15 year loan at 3.25% would be 180 payments of $1,054 (principal and interest). Monthly payments for a 30 year loan at 3.875% would be 360 payments of $705.35 (principal and interest). Rates are not guaranteed until lock-in. Monthly payment does not include taxes and insurance; actual payment will be greater.

Per SAFE Act (Secure & Fair Enforcement for Mortgage Licensing Act), Union State Bank's MLO (Mortgage Loan Originator) Indentifier Numbers are as follows:



Jeffrey J. Gray, Senior VP & Loan Officer NMLS #413222

David A. Koch, VP & Loan Officer NMLS #471741

Charles Duane Gordon, VP & Loan Officer NMLS #471740


Chris A. Coy, Commercial Loan Officer NMLS #1472318