Mortgage Rates

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Conforming Rates

The below rates qualify for loan amounts up to $806,500. Purchase mortgages for primary residences only, with a 780+ credit score. Maximum loan to value is 75%. Call for rates!

The below Fixed Rates are effective as of September 12, 2025.  Please call your Loan Officer or (215) 467-4300 for the most current rates. P&I Payment shown below per $1,000 borrowed, does not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater.

TermRateAPR*PointsP&I Payment Per $1000
30 Year Fixed6.000%6.051%0$6.00
5.750%5.893%1$5.84
20 Year Fixed5.500%5.566%0$6.88
5.250%5.437%1$6.74
15 Year Fixed5.375%5.458%0$8.10
4.875%5.109%1$7.84
10 Year Fixed5.250%5.367%0$10.73
4.750%5.082%1$10.48
5/1 Year ARM5.875%6.377%0$5.84
5.625%6.372%1$5.76
*APR (Annual Percentage Rate) is accurate as of the date above. Rates subject to change without notice. APR based on a loan amount up to $806,500 with a minimum credit score of 780. Loan to value (LTV) not to exceed 75% for purchase money mortgages. For a $250,000 loan amount for 30 years at 6.000% monthly principal & interest payment would be $1498.88 payments do not include amounts for taxes and insurance premiums, if applicable, the actual payment obligation will be greater. Use the P&I Payment factors per $1,000 above for payment comparisons between products. The rate and payment on the 5/1 ARM is fixed for 5 years and the rate and payment will vary annually after 5 years and the payment may increase. After the initial 5 year period the payment will be based on the One year treasury rate plus a margin of 2.75% (Fully indexed rate). The fully indexed rate as of 9/2/2025 would be 6.500% and would result in a principal and interest payment of $1707.60. Rates based on a single family owner occupied primary residence. Property Insurance required and Private Mortgage Insurance may be applicable depending on the LTV. Rates based on our CRA lending area of Delaware and Philadelphia counties. (Other rates and terms available for other loan to values, credit scores and property types, please call or email us) Subject to credit approval. Equal Housing Lender.

Second Homes

The below rates qualify for loan amounts up to $806,500. Rates are based on a single family, owner occupied second home with a minimum credit score of 780 and a maximum loan to value of 75% for purchases.

Please call your Loan Officer or (215) 467-4300 for the most current rates. 

TermRateAPR*PointsP&I Payment Per $1,000
15 Year Fixed
30 Year Fixed

1 to 4 Family Investment Properties

The below rates qualify for loan amounts up to $806,500. Rates are based on a 1 to 4 family investment property with a minimum credit score of 780 and a maximum loan to value of 75% for purchases.

Please call your Loan Officer or (215) 467-4300 for the most current rates. 

TermRateAPR*PointsP&I Payment Per $1000
15 Year Fixed
30 Year Fixed

 

For Non-Conforming Rates, please contact one of our Loan Officers or Email info@unitedsavingsbank.com.

The NMLS (Nationwide Mortgage Licensing System & Registry) ID Number for United Savings Bank is 510431. If you would like more information about NMLS or would like to look up the NMLS ID Number for one of our mortgage loan originators, please go to the Nationwide Mortgage Licensing System & Registry website at: www.nmlsconsumeraccess.org

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