The Union Bank Company Mortgage Rates, Fees & Info

Columbus Grove, OH

LEI: 254900BDGU9FU91PQA51

Tax ID: 34-4379460

5 stars - Updated: 3/17/24 - out of 5 stars, based on 37 reviews

Latest/2022 | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

Review & Overview

The Union Bank Company is a smaller bank specializing in Home Purchase and Cash Out Refi loans. The Union Bank Company has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Columbus, Lima, Findlay, Cincinnati, and Toledo among others. We have data for 128 markets. (Some data included below & more in-depth data is available with an active subscription.)

The Union Bank Company has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. The Union Bank Company is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.64% 3/17/24
30 Year Conventional Purchase 6.63% 3/17/24
30 Year Conventional Refi 6.38% 3/17/24
30 Year Cash-out Refi 6.58% 3/17/24
30 Year FHA Purchase 7.18% 3/17/24
30 Year FHA Refi 6.60% 3/17/24
30 Year VA Purchase 6.15% 3/17/24
30 Year USDA Purchase 6.87% 3/17/24
15 Year Conventional Purchase 6.10% 3/17/24
15 Year Conventional Refi 6.03% 3/17/24
15 Year Cash-out Refi 6.03% 3/17/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

The Union Bank Company Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from The Union Bank Company. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,393

Origination Dollar Volume (All Markets)

$289,305,000
Show all (14) awards

Relative Rate

The Union Bank Company's average 30 year fixed mortgage rate was 4.9%.

The 2022 average 30 year fixed rate mortgage across all markets and lenders was 4.76%.

This yields a difference of 0.14%.

Relative Fees (Closing Costs)

The Union Bank Company's average total fees/closing costs for a 30 year fixed rate mortgage were $5,429.

The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including both points & up-front fees in addition to origination fees) were $4,750.

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
COLUMBUS, OH (FHA|USDA|VA) 346 $91,540,000 $264,566 $4,952 5.16%
Outside of Metro Areas 287 $37,305,000 $129,983 $3,375 5.03%
LIMA, OH (FHA|USDA|VA) 176 $35,520,000 $201,818 $3,431 5.35%
Findlay, OH (FHA|USDA|VA) 50 $7,290,000 $145,800 $3,323 5.33%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 34 $7,230,000 $212,647 $5,196 4.41%
TOLEDO, OH (FHA|USDA|VA) 54 $6,960,000 $128,889 $3,513 5.31%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 16 $6,400,000 $400,000 $6,117 3.98%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 19 $5,855,000 $308,158 $9,211 4.01%
Marion, OH (FHA|USDA|VA) 55 $5,525,000 $100,455 $2,950 5.37%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 15 $4,315,000 $287,667 $6,402 3.95%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 10 $3,450,000 $345,000 $5,642 3.90%
Bellefontaine, OH (FHA|USDA|VA) 14 $3,260,000 $232,857 $3,259 5.05%
Van Wert, OH (FHA|USDA|VA) 28 $3,210,000 $114,643 $3,753 5.35%
DAYTON-KETTERING, OH (FHA|USDA|VA) 15 $3,145,000 $209,667 $4,538 5.10%
Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 6 $2,570,000 $428,333 $6,119 3.29%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 4 $2,500,000 $625,000 $15,236 4.84%
Fremont, OH (FHA|USDA|VA) 26 $2,490,000 $95,769 $1,958 5.29%
MANSFIELD, OH (FHA|USDA|VA) 6 $2,120,000 $353,333 $5,938 5.75%
Wapakoneta, OH (FHA|USDA|VA) 18 $2,050,000 $113,889 $2,913 5.91%
CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 14 $1,980,000 $141,429 $6,628 5.43%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 5 $1,905,000 $381,000 $11,952 4.15%
PITTSBURGH, PA (FHA|USDA|VA) 5 $1,655,000 $331,000 $5,195 4.43%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 4 $1,650,000 $412,500 $14,066 5.22%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 4 $1,390,000 $347,500 $5,438 3.53%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 5 $1,315,000 $263,000 $6,279 4.18%
KANSAS CITY, MO-KS (FHA|USDA|VA) 6 $1,310,000 $218,333 $7,576 5.69%
WORCESTER, MA-CT (FHA|USDA|VA) 3 $1,255,000 $418,333 $4,579 3.50%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 4 $1,250,000 $312,500 $11,103 4.44%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 5 $1,205,000 $241,000 $5,222 4.77%
PORTLAND-SOUTH PORTLAND, ME (FHA|USDA|VA) 4 $1,170,000 $292,500 $4,846 3.38%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 4 $1,140,000 $285,000 $6,887 4.13%
Los Alamos, NM (FHA|USDA|VA) 2 $1,100,000 $550,000 $9,362 3.81%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $1,075,000 $358,333 $5,127 3.50%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 3 $1,015,000 $338,333 $7,301 4.00%
Sidney, OH (FHA|USDA|VA) 1 $955,000 $955,000 $0 4.65%
Mount Vernon, OH (FHA|USDA|VA) 5 $945,000 $189,000 $4,975 4.28%
PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) 3 $935,000 $311,667 $8,078 4.42%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 2 $860,000 $430,000 $8,256 3.63%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $850,000 $425,000 $7,750 4.25%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 3 $795,000 $265,000 $6,833 4.67%
Traverse City, MI (FHA|USDA|VA) 2 $790,000 $395,000 $7,146 6.69%
JACKSONVILLE, FL (FHA|USDA|VA) 3 $745,000 $248,333 $9,443 5.25%
Point Pleasant, WV-OH (FHA|USDA|VA) 2 $740,000 $370,000 $8,410 4.00%
COLUMBIA, SC (FHA|USDA|VA) 3 $735,000 $245,000 $7,668 4.13%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 2 $700,000 $350,000 $8,886 5.13%
Coshocton, OH (FHA|USDA|VA) 2 $610,000 $305,000 $3,046 5.19%
Celina, OH (FHA|USDA|VA) 4 $600,000 $150,000 $3,445 5.03%
ALBUQUERQUE, NM (FHA|USDA|VA) 2 $600,000 $300,000 $5,975 2.63%
LOUISVILLE, KY (FHA|USDA|VA) 2 $590,000 $295,000 $5,817 3.25%
FORT COLLINS, CO (FHA|USDA|VA) 1 $585,000 $585,000 $10,935 4.75%
BOISE CITY, ID (FHA|USDA|VA) 2 $570,000 $285,000 $8,131 3.94%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $545,000 $545,000 $6,943 4.50%
POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) 1 $535,000 $535,000 $13,488 5.25%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 2 $530,000 $265,000 $13,642 5.50%
RENO, NV (FHA|USDA|VA) 1 $525,000 $525,000 $3,751 5.13%
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT (FHA|USDA|VA) 2 $510,000 $255,000 $7,893 4.13%
AKRON, OH (FHA|USDA|VA) 4 $500,000 $125,000 $14,108 5.56%
THE VILLAGES, FL (FHA|USDA|VA) 1 $495,000 $495,000 $0 3.75%
Tiffin, OH (FHA|USDA|VA) 6 $490,000 $81,667 $3,566 5.33%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 2 $480,000 $240,000 $4,305 3.94%
Helena, MT (FHA|USDA|VA) 1 $475,000 $475,000 $31,908 4.50%
GAINESVILLE, GA (FHA|USDA|VA) 1 $465,000 $465,000 $3,681 5.63%
WINSTON-SALEM, NC (FHA|USDA|VA) 1 $455,000 $455,000 $9,587 5.63%
Bucyrus-Galion, OH (FHA|USDA|VA) 3 $445,000 $148,333 $5,680 4.92%
SALT LAKE CITY, UT (FHA|USDA|VA) 1 $425,000 $425,000 $7,916 6.00%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $425,000 $425,000 $10,537 4.75%
Spearfish, SD (FHA|USDA|VA) 1 $405,000 $405,000 $4,322 3.13%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 2 $400,000 $200,000 $5,120 3.75%
Norwalk, OH (FHA|USDA|VA) 6 $390,000 $65,000 $0 5.39%
Urbana, OH (FHA|USDA|VA) 2 $390,000 $195,000 $7,957 3.63%
OCALA, FL (FHA|USDA|VA) 2 $390,000 $195,000 $3,864 4.06%
Stevens Point, WI (FHA|USDA|VA) 1 $385,000 $385,000 $8,174 3.50%
VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) 1 $375,000 $375,000 $12,685 4.63%
Jamestown-Dunkirk-Fredonia, NY (FHA|USDA|VA) 1 $365,000 $365,000 $8,153 5.88%
COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $365,000 $365,000 $17,815 4.88%
OKLAHOMA CITY, OK (FHA|USDA|VA) 1 $355,000 $355,000 $6,861 3.63%
ROME, GA (FHA|USDA|VA) 1 $355,000 $355,000 $9,730 5.50%
Lebanon, NH-VT (FHA|USDA|VA) 1 $345,000 $345,000 $5,367 2.38%
TRENTON-PRINCETON, NJ (FHA|USDA|VA) 1 $345,000 $345,000 $15,219 4.25%
LAFAYETTE, LA (FHA|USDA|VA) 1 $335,000 $335,000 $15,161 2.88%
Zanesville, OH (FHA|USDA|VA) 2 $330,000 $165,000 $4,177 4.88%
SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) 1 $315,000 $315,000 $7,860 3.63%
LUBBOCK, TX (FHA|USDA|VA) 2 $310,000 $155,000 $8,056 5.38%
Rolla, MO (FHA|USDA|VA) 1 $305,000 $305,000 $10,599 4.63%
OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 1 $305,000 $305,000 $7,503 2.88%
London, KY (FHA|USDA|VA) 1 $305,000 $305,000 $5,577 4.38%
SANTA FE, NM (FHA|USDA|VA) 1 $305,000 $305,000 $4,926 3.00%
GULFPORT-BILOXI, MS (FHA|USDA|VA) 1 $305,000 $305,000 $3,678 3.00%
RICHMOND, VA (FHA|USDA|VA) 1 $295,000 $295,000 $2,471 2.50%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $285,000 $285,000 $10,196 4.75%
Montrose, CO (FHA|USDA|VA) 1 $285,000 $285,000 $9,210 5.13%
Quincy, IL-MO (FHA|USDA|VA) 1 $285,000 $285,000 $5,594 3.75%
WHEELING, WV-OH (FHA|USDA|VA) 2 $280,000 $140,000 $3,588 5.31%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 1 $275,000 $275,000 $4,395 3.88%
CANTON-MASSILLON, OH (FHA|USDA|VA) 1 $275,000 $275,000 $4,946 4.50%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $275,000 $275,000 $9,655 3.50%
KNOXVILLE, TN (FHA|USDA|VA) 1 $275,000 $275,000 $3,453 5.88%
HICKORY-LENOIR-MORGANTON, NC (FHA|USDA|VA) 1 $265,000 $265,000 $3,762 3.25%
LEBANON, PA (FHA|USDA|VA) 1 $265,000 $265,000 $7,797 4.25%
WINCHESTER, VA-WV (FHA|USDA|VA) 1 $265,000 $265,000 $0 4.75%
SPRINGFIELD, MA (FHA|USDA|VA) 1 $265,000 $265,000 $3,481 3.25%
Fernley, NV (FHA|USDA|VA) 1 $255,000 $255,000 $3,451 3.75%
VINELAND-BRIDGETON, NJ (FHA|USDA|VA) 1 $245,000 $245,000 $8,082 5.13%
Rock Springs, WY (FHA|USDA|VA) 1 $245,000 $245,000 $9,727 4.63%
Outside of Metro Areas 1 $245,000 $245,000 $8,416 3.88%
Adrian, MI (FHA|USDA|VA) 1 $245,000 $245,000 $3,096 6.13%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $245,000 $245,000 $10,473 3.88%
TULSA, OK (FHA|USDA|VA) 1 $235,000 $235,000 $16,790 5.63%
Mayfield, KY (FHA|USDA|VA) 1 $235,000 $235,000 $7,323 2.63%
FAYETTEVILLE, NC (FHA|USDA|VA) 1 $235,000 $235,000 $10,824 6.25%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $235,000 $235,000 $3,329 4.13%
DURHAM-CHAPEL HILL, NC (FHA|USDA|VA) 1 $225,000 $225,000 $2,962 3.00%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 1 $225,000 $225,000 $13,426 2.88%
CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 1 $225,000 $225,000 $9,879 4.25%
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $195,000 $195,000 $6,770 5.38%
CLARKSVILLE, TN-KY (FHA|USDA|VA) 1 $185,000 $185,000 $10,485 4.13%
SYRACUSE, NY (FHA|USDA|VA) 1 $175,000 $175,000 $2,909 3.25%
Stillwater, OK (FHA|USDA|VA) 1 $165,000 $165,000 $0 5.75%
Hillsdale, MI (FHA|USDA|VA) 1 $155,000 $155,000 $0 7.25%
FORT WAYNE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $1,794 4.88%
SAVANNAH, GA (FHA|USDA|VA) 1 $135,000 $135,000 $0 3.75%
Angola, IN (FHA|USDA|VA) 1 $135,000 $135,000 $0 4.93%
OWENSBORO, KY (FHA|USDA|VA) 1 $135,000 $135,000 $5,328 5.13%
SPRINGFIELD, OH (FHA|USDA|VA) 2 $120,000 $60,000 $2,503 5.13%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 6.36%
YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.50%
Greenwood, SC (FHA|USDA|VA) 1 $75,000 $75,000 $0 4.50%
New Castle, PA (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.00%
The Union Bank Company's top markets include Columbus, Lima, Findlay, Cincinnati, and Toledo among others.

Their top states include:
  • Ohio (FHA|USDA|VA)
  • Georgia (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • New York (FHA|USDA|VA)
  • Nevada (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 799 $198,365,000 $248,267 $3,886 4.84%
    HELOC 426 $45,030,000 $105,704 n/a 5.53%
    FHA 122 $29,860,000 $244,754 $9,249 4.75%
    VA 41 $15,265,000 $372,317 $10,149 4.16%
    USDA 5 $785,000 $157,000 $5,268 5.50%

    For 2022, The Union Bank Company's most frequently originated type of loan was Conventional, with 799 originations. Their 2nd most popular type was HELOC, with 426 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 663 $150,945,000 $227,670 $4,512 5.18%
    Cash Out Refi 257 $71,335,000 $277,568 $6,799 4.24%
    Refi 198 $42,550,000 $214,899 $2,970 4.81%
    Home Improvement 139 $12,865,000 $92,554 $411 5.54%
    Other 136 $11,610,000 $85,368 $422 5.53%

    For 2022, The Union Bank Company's most frequently cited loan purpose was Home Purchase, with 663 originations. The 2nd most popular reason was Cash Out Refi, with 257 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 739 $181,695,000 $245,866 $5,429 4.90%
    10 Year 471 $59,215,000 $125,722 $903 5.43%
    15 Year 86 $20,210,000 $235,000 $3,606 3.90%
    20 Year 57 $11,585,000 $203,246 $2,982 4.76%
    30+ year 15 $5,375,000 $358,333 $4,685 5.36%
    Other 11 $8,375,000 $761,364 $3,979 5.10%
    5 Year 8 $1,390,000 $173,750 $396 5.35%
    1 Year 6 $1,460,000 $243,333 $0 5.50%

    For 2022, The Union Bank Company's most frequently cited loan duration was 30 Year, with 739 originations. The 2nd most popular length was 10 Year, with 471 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 435 $98,045,000 $225,391
    $<1k 169 $39,095,000 $231,331
    $2k-3k 81 $21,185,000 $261,543
    $5k+ 79 $28,015,000 $354,620
    $3k-4k 41 $11,465,000 $279,634
    $4k-5k 23 $6,715,000 $291,957

    The Union Bank Company's average total fees were $5,429, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 435 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    5-6% 398 $80,570,000 $202,437
    4-5% 358 $79,040,000 $220,782
    3-4% 282 $68,310,000 $242,234
    6-7% 198 $28,390,000 $143,384
    7-8% 86 $14,090,000 $163,837
    2.5-3% 56 $15,590,000 $278,393
    <2.5% 13 $3,175,000 $244,231
    Over 8% 2 $140,000 $70,000

    During 2022, The Union Bank Company's average interest rate for loans was 4.90%, while their most frequently originated rate bucket for loans was 5-6%, with 398 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 445 $125,315,000 $281,607 $5,896 4.67%
    $100,000 or less 415 $22,665,000 $54,614 $2,172 5.39%
    $100k-200k 401 $58,225,000 $145,200 $3,499 5.15%
    $400k-600k 96 $45,660,000 $475,625 $7,870 4.56%
    $600k-1MM 27 $18,725,000 $693,519 $7,737 4.74%
    $1MM+ 9 $18,715,000 $2,079,444 $0 5.25%

    2022 saw The Union Bank Company place emphasis on $200k-400k loans with 445 originations, totaling $125,315,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 332 $70,740,000 $213,072 $5,751 5.10%
    $50k-75k 299 $45,995,000 $153,829 $4,562 5.07%
    $75k-100k 233 $43,155,000 $185,215 $5,025 5.00%
    $50k or less 196 $20,470,000 $104,439 $3,338 5.07%
    $150k-250k 186 $50,170,000 $269,731 $6,032 4.83%
    $250k+ 73 $25,715,000 $352,260 $5,689 4.91%

    The Union Bank Company lent most frequently to those with incomes in the $100k-150k range, with 332 originations. The second most popular income band? $50k-75k, with 299 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 333 $55,075,000 $165,390 $4,135 4.97%
    30-36% 255 $53,175,000 $208,529 $4,693 5.19%
    <20% 215 $26,105,000 $121,419 $2,937 5.00%
    36% 55 $10,415,000 $189,364 $4,619 5.12%
    37% 50 $8,760,000 $175,200 $3,671 5.31%
    44% 42 $10,360,000 $246,667 $6,031 4.85%
    50-60% 41 $11,585,000 $282,561 $9,286 4.49%
    39% 37 $9,465,000 $255,811 $4,481 4.51%
    38% 37 $7,745,000 $209,324 $4,681 5.38%
    40% 34 $7,310,000 $215,000 $4,345 4.99%
    41% 33 $9,125,000 $276,515 $5,916 4.91%
    45% 31 $8,255,000 $266,290 $5,360 5.40%
    43% 30 $7,640,000 $254,667 $6,480 5.01%
    42% 29 $7,075,000 $243,966 $5,170 4.75%
    49% 29 $7,315,000 $252,241 $7,267 5.13%
    48% 21 $5,195,000 $247,381 $4,727 4.85%
    47% 20 $5,610,000 $280,500 $6,655 4.69%
    46% 15 $3,575,000 $238,333 $6,563 5.18%
    >60% 5 $1,155,000 $231,000 $13,812 4.70%

    The Union Bank Company lent most frequently to those with DTI ratios of 20-30%, with 333 originations. The next most common DTI ratio? 30-36%, with 255 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,129 $207,775,000 $184,035 $4,693 5.04%
    Not applicable 62 $31,050,000 $500,806 $0 5.15%
    Not provided 95 $25,015,000 $263,316 $6,240 4.68%
    Black 60 $14,940,000 $249,000 $7,001 5.05%
    Asian 31 $7,045,000 $227,258 $5,405 4.92%
    Other Asian 5 $1,295,000 $259,000 $5,667 5.05%
    American Indian 4 $920,000 $230,000 $5,995 4.40%
    Native Hawaiian or Islander 4 $720,000 $180,000 $2,685 5.56%
    Vietnamese 2 $510,000 $255,000 $2,581 5.88%
    Chinese 1 $35,000 $35,000 $0 7.38%

    Approval Rates

    Total approvals of all applications
    91.14%

    The Union Bank Company has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.40%

    The Union Bank Company has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,393 $289,305,000 $207,685

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    1,393 $289,305,000 $207,685

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 202 $20,420,000 $101,089 $2,113 5.27%
    40-60% 176 $39,300,000 $223,295 $3,876 4.72%
    60-80% 417 $109,625,000 $262,890 $5,209 4.90%
    80-100% 446 $112,090,000 $251,323 $5,373 4.97%
    Over 100% 6 $2,500,000 $416,667 $14,047 4.79%
    Under 20% 145 $5,335,000 $36,793 $427 5.56%