Union Savings Bank Mortgage Rates, Fees & Info

Cincinnati, OH

LEI: 549300HFBEONQN2CK447

Tax ID: 31-0473290

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • Origination Fees (Closing Costs)

    • Review & Overview

    Union Savings Bank is a small bank specializing in Home Purchase loans. Union Savings Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) They have a low ratio of USDA loans. Their top markets by origination volume include: Cincinnati, Columbus, Dayton, Indianapolis, and Pittsburgh among others. We have data for 167 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Union Savings Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Union Savings Bank is typically a low 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) 6.47% 12/16/24
    30 Year Conventional Purchase 6.59% 12/16/24
    30 Year Conventional Refi 6.38% 12/16/24
    30 Year Cash-out Refi 6.48% 12/16/24
    30 Year FHA Purchase 7.28% 12/16/24
    30 Year FHA Refi 7.19% 12/16/24
    30 Year VA Purchase 6.17% 12/16/24
    30 Year VA Refi 5.73% 12/16/24
    30 Year USDA Purchase 6.80% 12/16/24
    30 Year USDA Refi 6.93% 12/16/24
    15 Year Conventional Purchase 5.82% 12/16/24
    15 Year Conventional Refi 5.80% 12/16/24
    15 Year Cash-out Refi 5.80% 12/16/24
    15 Year FHA Refi 5.96% 12/16/24
    15 Year VA Purchase 6.23% 12/16/24
    15 Year VA Refi 5.68% 12/16/24
    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.

    Union Savings Bank Mortgage Calculator






    Your Estimates

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

    This is not an official calculator from Union Savings Bank. 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

    11,316

    Origination Dollar Volume (All Markets)

    $2,625,680,000
    Show all (58) awards

    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
    CINCINNATI, OH-KY-IN (FHA|USDA|VA) 3,713 $799,175,000 $215,237 $1,357 3.99%
    COLUMBUS, OH (FHA|USDA|VA) 2,148 $541,990,000 $252,323 $1,888 4.07%
    DAYTON-KETTERING, OH (FHA|USDA|VA) 1,842 $365,500,000 $198,426 $1,557 4.20%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1,544 $320,540,000 $207,604 $1,141 3.92%
    PITTSBURGH, PA (FHA|USDA|VA) 374 $90,710,000 $242,540 $3,185 4.22%
    FORT WAYNE, IN (FHA|USDA|VA) 306 $55,510,000 $181,405 $1,467 4.16%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 37 $48,855,000 $1,320,405 $18,026 4.40%
    LOUISVILLE, KY (FHA|USDA|VA) 78 $29,380,000 $376,667 $3,975 4.25%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 24 $24,560,000 $1,023,333 $13,297 4.30%
    New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 11 $24,085,000 $2,189,545 $20,882 3.70%
    CLEVELAND-ELYRIA, OH (FHA|USDA|VA) 108 $23,910,000 $221,389 $2,661 4.20%
    COLUMBUS, IN (FHA|USDA|VA) 100 $21,480,000 $214,800 $1,039 4.31%
    Outside of Metro Areas 98 $21,420,000 $218,571 $3,031 4.28%
    SPRINGFIELD, OH (FHA|USDA|VA) 75 $14,495,000 $193,267 $1,922 4.23%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 30 $14,010,000 $467,000 $6,388 4.24%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 15 $11,125,000 $741,667 $8,704 4.13%
    LEXINGTON-FAYETTE, KY (FHA|USDA|VA) 39 $10,275,000 $263,462 $3,260 4.52%
    AKRON, OH (FHA|USDA|VA) 27 $8,965,000 $332,037 $3,242 3.94%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 20 $8,620,000 $431,000 $5,171 3.82%
    BLOOMINGTON, IN (FHA|USDA|VA) 42 $7,830,000 $186,429 $991 4.17%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 7 $7,035,000 $1,005,000 $11,022 3.86%
    North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 19 $7,015,000 $369,211 $4,282 4.07%
    Wilmington, OH (FHA|USDA|VA) 28 $6,830,000 $243,929 $2,216 4.50%
    Bellefontaine, OH (FHA|USDA|VA) 33 $6,475,000 $196,212 $1,424 4.12%
    Mount Vernon, OH (FHA|USDA|VA) 25 $5,815,000 $232,600 $1,876 3.90%
    New Castle, PA (FHA|USDA|VA) 37 $5,765,000 $155,811 $3,879 4.55%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 13 $5,385,000 $414,231 $3,948 3.74%
    TOLEDO, OH (FHA|USDA|VA) 22 $4,520,000 $205,455 $2,194 4.03%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 11 $4,465,000 $405,909 $4,267 4.24%
    Zanesville, OH (FHA|USDA|VA) 11 $4,325,000 $393,182 $1,207 4.36%
    Greenville, OH (FHA|USDA|VA) 22 $4,150,000 $188,636 $1,438 4.36%
    Sidney, OH (FHA|USDA|VA) 26 $3,880,000 $149,231 $1,341 3.90%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 3 $3,195,000 $1,065,000 $7,244 3.92%
    Warsaw, IN (FHA|USDA|VA) 16 $3,110,000 $194,375 $1,531 4.09%
    YOUNGSTOWN-WARREN-BOARDMAN, OH-PA (FHA|USDA|VA) 14 $2,940,000 $210,000 $3,413 3.96%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 3 $2,885,000 $961,667 $43,506 4.83%
    Angola, IN (FHA|USDA|VA) 9 $2,715,000 $301,667 $1,605 3.92%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 7 $2,685,000 $383,571 $3,357 4.02%
    HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) 4 $2,540,000 $635,000 $6,179 4.00%
    KNOXVILLE, TN (FHA|USDA|VA) 5 $2,465,000 $493,000 $5,513 3.65%
    Auburn, IN (FHA|USDA|VA) 12 $2,400,000 $200,000 $672 4.14%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 7 $2,355,000 $336,429 $4,633 4.23%
    Urbana, OH (FHA|USDA|VA) 18 $2,190,000 $121,667 $1,727 4.47%
    Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 7 $2,175,000 $310,714 $3,188 4.34%
    Indiana, PA (FHA|USDA|VA) 14 $2,150,000 $153,571 $3,575 4.66%
    PORT ST. LUCIE, FL (FHA|USDA|VA) 2 $2,120,000 $1,060,000 $25,059 4.81%
    MANSFIELD, OH (FHA|USDA|VA) 12 $2,050,000 $170,833 $1,374 3.58%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 6 $2,030,000 $338,333 $3,330 4.73%
    SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 2 $2,010,000 $1,005,000 $23,324 4.13%
    Bluffton, IN (FHA|USDA|VA) 8 $2,000,000 $250,000 $916 4.00%
    OCALA, FL (FHA|USDA|VA) 4 $1,990,000 $497,500 $4,823 3.72%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 3 $1,955,000 $651,667 $4,378 3.67%
    Traverse City, MI (FHA|USDA|VA) 2 $1,810,000 $905,000 $5,886 3.50%
    RALEIGH-CARY, NC (FHA|USDA|VA) 4 $1,770,000 $442,500 $2,725 3.97%
    CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) 5 $1,615,000 $323,000 $2,651 3.40%
    PUNTA GORDA, FL (FHA|USDA|VA) 3 $1,545,000 $515,000 $6,164 3.21%
    EVANSVILLE, IN-KY (FHA|USDA|VA) 5 $1,465,000 $293,000 $1,771 4.25%
    Somerset, KY (FHA|USDA|VA) 7 $1,455,000 $207,857 $1,344 3.77%
    LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 9 $1,445,000 $160,556 $473 4.04%
    Chillicothe, OH (FHA|USDA|VA) 7 $1,445,000 $206,429 $3,771 3.39%
    Washington Court House, OH (FHA|USDA|VA) 7 $1,415,000 $202,143 $3,392 4.75%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $1,405,000 $1,405,000 $4,625 3.88%
    Point Pleasant, WV-OH (FHA|USDA|VA) 1 $1,385,000 $1,385,000 $0 4.00%
    JACKSONVILLE, FL (FHA|USDA|VA) 2 $1,350,000 $675,000 $5,474 4.00%
    Kendallville, IN (FHA|USDA|VA) 10 $1,340,000 $134,000 $2,136 4.50%
    MUNCIE, IN (FHA|USDA|VA) 8 $1,320,000 $165,000 $1,956 4.66%
    Sebastian-Vero Beach, FL (FHA|USDA|VA) 4 $1,310,000 $327,500 $3,399 3.78%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 4 $1,200,000 $300,000 $4,140 3.47%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 1 $1,195,000 $1,195,000 $620 3.50%
    Cambridge, OH (FHA|USDA|VA) 7 $1,165,000 $166,429 $2,768 4.41%
    LIMA, OH (FHA|USDA|VA) 4 $1,060,000 $265,000 $3,339 4.06%
    KOKOMO, IN (FHA|USDA|VA) 7 $1,035,000 $147,857 $1,335 4.52%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 2 $980,000 $490,000 $2,407 3.13%
    PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $975,000 $975,000 $6,187 3.00%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 2 $920,000 $460,000 $3,929 4.13%
    THE VILLAGES, FL (FHA|USDA|VA) 3 $915,000 $305,000 $5,176 4.00%
    MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) 4 $910,000 $227,500 $3,245 3.63%
    Somerset, PA (FHA|USDA|VA) 2 $900,000 $450,000 $4,880 4.63%
    Richmond-Berea, KY (FHA|USDA|VA) 4 $870,000 $217,500 $333 3.81%
    Huntington, IN (FHA|USDA|VA) 6 $870,000 $145,000 $1,846 4.29%
    CLARKSVILLE, TN-KY (FHA|USDA|VA) 2 $860,000 $430,000 $3,399 4.25%
    Seymour, IN (FHA|USDA|VA) 5 $855,000 $171,000 $707 3.95%
    Decatur, IN (FHA|USDA|VA) 5 $815,000 $163,000 $2,086 4.18%
    TUCSON, AZ (FHA|USDA|VA) 2 $810,000 $405,000 $2,698 4.50%
    CANTON-MASSILLON, OH (FHA|USDA|VA) 5 $805,000 $161,000 $4,132 4.75%
    Bedford, IN (FHA|USDA|VA) 4 $800,000 $200,000 $2,102 4.22%
    TERRE HAUTE, IN (FHA|USDA|VA) 3 $795,000 $265,000 $1,343 4.04%
    Athens, OH (FHA|USDA|VA) 4 $760,000 $190,000 $916 3.81%
    San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) 1 $755,000 $755,000 $0 7.25%
    Findlay, OH (FHA|USDA|VA) 3 $705,000 $235,000 $2,090 3.88%
    New Philadelphia-Dover, OH (FHA|USDA|VA) 3 $675,000 $225,000 $5,717 4.25%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 3 $655,000 $218,333 $8,536 4.04%
    SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $655,000 $655,000 $0 7.25%
    SALISBURY, MD-DE (FHA|USDA|VA) 1 $645,000 $645,000 $1,200 3.25%
    Marion, OH (FHA|USDA|VA) 5 $625,000 $125,000 $2,530 4.50%
    MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 2 $610,000 $305,000 $420 3.38%
    Sevierville, TN (FHA|USDA|VA) 2 $600,000 $300,000 $2,937 4.06%
    New Castle, IN (FHA|USDA|VA) 5 $585,000 $117,000 $1,105 3.68%
    Greensburg, IN (FHA|USDA|VA) 3 $585,000 $195,000 $2,420 4.17%
    BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 2 $570,000 $285,000 $3,175 2.63%
    ALBANY-SCHENECTADY-TROY, NY (FHA|USDA|VA) 1 $555,000 $555,000 $9,741 4.88%
    SAVANNAH, GA (FHA|USDA|VA) 1 $555,000 $555,000 $22,340 4.25%
    WILMINGTON, NC (FHA|USDA|VA) 1 $545,000 $545,000 $3,173 4.00%
    GETTYSBURG, PA (FHA|USDA|VA) 1 $535,000 $535,000 $10,415 5.75%
    Oil City, PA (FHA|USDA|VA) 2 $520,000 $260,000 $2,493 4.19%
    LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 2 $510,000 $255,000 $4,605 4.44%
    ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 2 $510,000 $255,000 $8,946 3.25%
    PANAMA CITY, FL (FHA|USDA|VA) 2 $500,000 $250,000 $3,698 3.50%
    North Vernon, IN (FHA|USDA|VA) 4 $470,000 $117,500 $474 3.63%
    Wooster, OH (FHA|USDA|VA) 2 $470,000 $235,000 $4,580 4.00%
    BOWLING GREEN, KY (FHA|USDA|VA) 1 $465,000 $465,000 $5,526 4.50%
    Marion, IN (FHA|USDA|VA) 2 $460,000 $230,000 $1,438 4.00%
    London, KY (FHA|USDA|VA) 2 $460,000 $230,000 $473 3.38%
    PARKERSBURG-VIENNA, WV (FHA|USDA|VA) 2 $440,000 $220,000 $3,039 4.19%
    CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 1 $415,000 $415,000 $3,094 4.50%
    BARNSTABLE TOWN, MA (FHA|USDA|VA) 1 $415,000 $415,000 $2,698 4.00%
    ERIE, PA (FHA|USDA|VA) 1 $405,000 $405,000 $4,840 4.63%
    Wapakoneta, OH (FHA|USDA|VA) 3 $405,000 $135,000 $295 5.25%
    ASHEVILLE, NC (FHA|USDA|VA) 1 $395,000 $395,000 $3,038 3.00%
    Celina, OH (FHA|USDA|VA) 2 $390,000 $195,000 $848 3.25%
    Taylorville, IL (FHA|USDA|VA) 1 $385,000 $385,000 $5,570 4.25%
    SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 2 $380,000 $190,000 $1,399 3.75%
    Jackson, OH (FHA|USDA|VA) 1 $375,000 $375,000 $3,309 2.63%
    WARNER ROBINS, GA (FHA|USDA|VA) 1 $375,000 $375,000 $13,140 4.88%
    Georgetown, SC (FHA|USDA|VA) 2 $370,000 $185,000 $2,657 3.94%
    LANCASTER, PA (FHA|USDA|VA) 1 $365,000 $365,000 $9,352 6.75%
    Ashland, OH (FHA|USDA|VA) 4 $350,000 $87,500 $1,700 4.13%
    Madison, IN (FHA|USDA|VA) 1 $345,000 $345,000 $7,780 4.88%
    COLUMBIA, SC (FHA|USDA|VA) 2 $330,000 $165,000 $4,589 5.06%
    GREELEY, CO (FHA|USDA|VA) 1 $325,000 $325,000 $0 5.13%
    WEIRTON-STEUBENVILLE, WV-OH (FHA|USDA|VA) 2 $320,000 $160,000 $3,528 3.94%
    YORK-HANOVER, PA (FHA|USDA|VA) 1 $315,000 $315,000 $6,167 2.75%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 2 $300,000 $150,000 $1,813 3.50%
    Crawfordsville, IN (FHA|USDA|VA) 2 $300,000 $150,000 $1,424 3.56%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $295,000 $295,000 $6,251 4.00%
    Frankfort, IN (FHA|USDA|VA) 1 $285,000 $285,000 $1,452 2.75%
    Defiance, OH (FHA|USDA|VA) 2 $280,000 $140,000 $2,905 4.63%
    Oxford, MS (FHA|USDA|VA) 1 $275,000 $275,000 $2,384 4.00%
    Van Wert, OH (FHA|USDA|VA) 1 $265,000 $265,000 $250 4.25%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $255,000 $255,000 $3,866 4.00%
    HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $255,000 $255,000 $1,786 5.00%
    TULSA, OK (FHA|USDA|VA) 1 $255,000 $255,000 $3,861 4.88%
    Sandusky, OH (FHA|USDA|VA) 2 $250,000 $125,000 $3,361 5.88%
    GREAT FALLS, MT (FHA|USDA|VA) 1 $235,000 $235,000 $3,022 4.00%
    MORGANTOWN, WV (FHA|USDA|VA) 1 $235,000 $235,000 $2,712 5.75%
    Frankfort, KY (FHA|USDA|VA) 1 $235,000 $235,000 $0 5.75%
    HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) 1 $225,000 $225,000 $500 4.50%
    JOHNSTOWN, PA (FHA|USDA|VA) 1 $225,000 $225,000 $3,419 3.63%
    JOHNSON CITY, TN (FHA|USDA|VA) 1 $225,000 $225,000 $0 4.25%
    Glasgow, KY (FHA|USDA|VA) 1 $215,000 $215,000 $2,718 2.75%
    Plymouth, IN (FHA|USDA|VA) 1 $195,000 $195,000 $1,394 4.00%
    DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) 1 $195,000 $195,000 $2,105 4.00%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $185,000 $185,000 $0 5.00%
    Peru, IN (FHA|USDA|VA) 1 $175,000 $175,000 $1,728 5.13%
    CHARLESTON, WV (FHA|USDA|VA) 1 $155,000 $155,000 $2,426 4.88%
    Tiffin, OH (FHA|USDA|VA) 1 $155,000 $155,000 $2,806 5.38%
    Fremont, OH (FHA|USDA|VA) 1 $145,000 $145,000 $309 4.00%
    Salem, OH (FHA|USDA|VA) 1 $145,000 $145,000 $1,090 4.50%
    Cookeville, TN (FHA|USDA|VA) 1 $135,000 $135,000 $2,242 4.25%
    VALDOSTA, GA (FHA|USDA|VA) 1 $135,000 $135,000 $5,971 4.88%
    Portsmouth, OH (FHA|USDA|VA) 1 $105,000 $105,000 $295 2.88%
    Bucyrus-Galion, OH (FHA|USDA|VA) 1 $105,000 $105,000 $280 3.50%
    St. Marys, GA (FHA|USDA|VA) 1 $105,000 $105,000 $1,861 5.00%
    Maysville, KY (FHA|USDA|VA) 1 $65,000 $65,000 $0 7.25%
    Coshocton, OH (FHA|USDA|VA) 1 $55,000 $55,000 $1,621 4.00%
    MADISON, WI (FHA|USDA|VA) 1 $35,000 $35,000 $1,776 4.00%
    Richmond, IN (FHA|USDA|VA) 1 $35,000 $35,000 $2,285 4.00%
    Union Savings Bank's top markets include Cincinnati, Columbus, Dayton, Indianapolis, and Pittsburgh among others.

    Their top states include:
  • Ohio (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Pennsylvania (FHA|USDA|VA)
  • Kentucky (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Union Savings Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    First Federal Savings and Loan Association of Greene Co
    Similarity Rank: 49
    TRI BORO
    Similarity Rank: 78
    HANCOCK COUNTY SAVINGS BANK, FSB, INC.
    Similarity Rank: 92
    DADE COUNTY FEDERAL CREDIT UNION
    Similarity Rank: 94
    Los Angeles Federal Credit Union
    Similarity Rank: 112
    Fire Police City County Federal Credit Union
    Similarity Rank: 116
    The Merchants National Bank
    Similarity Rank: 126
    Commonwealth Bank and Trust Company
    Similarity Rank: 133
    We Florida Financial
    Similarity Rank: 156
    The Citizens National Bank of Somerset
    Similarity Rank: 180

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 9,418 $2,350,640,000 $249,590 $1,482 3.80%
    HELOC 1,350 $151,480,000 $112,207 n/a 5.64%
    FHA 374 $73,940,000 $197,701 $6,548 4.82%
    VA 147 $45,455,000 $309,218 $6,540 4.58%
    USDA 27 $4,165,000 $154,259 $4,910 5.10%

    For 2022, Union Savings Bank's most frequently originated type of loan was Conventional, with 9,418 originations. Their 2nd most popular type was HELOC, with 1,350 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 5,245 $1,611,045,000 $307,158 $2,498 4.33%
    Cash Out Refi 2,180 $491,040,000 $225,248 $1,600 3.65%
    Refi 1,747 $334,625,000 $191,543 $686 3.35%
    Home Improvement 1,110 $71,440,000 $64,360 $494 3.64%
    Other 1,034 $117,530,000 $113,665 $1,057 5.29%

    For 2022, Union Savings Bank's most frequently cited loan purpose was Home Purchase, with 5,245 originations. The 2nd most popular reason was Cash Out Refi, with 2,180 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 7,502 $2,094,930,000 $279,250 $2,154 4.14%
    10 Year 1,508 $178,800,000 $118,568 $557 5.37%
    15 Year 1,286 $227,780,000 $177,123 $855 3.15%
    5 Year 497 $2,545,000 $5,121 $253 2.01%
    20 Year 368 $72,410,000 $196,766 $940 3.45%
    Other 153 $45,705,000 $298,725 $1,037 3.27%
    3 Year 2 $3,510,000 $1,755,000 $0 4.88%

    For 2022, Union Savings Bank's most frequently cited loan duration was 30 Year, with 7,502 originations. The 2nd most popular length was 10 Year, with 1,508 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 7,097 $1,609,725,000 $226,818
    $1k-2k 1,027 $264,215,000 $257,269
    $2k-3k 372 $99,850,000 $268,414
    $5k+ 229 $163,385,000 $713,472
    $3k-4k 196 $60,690,000 $309,643
    $4k-5k 108 $41,190,000 $381,389

    Union Savings Bank's average total fees were $2,154, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 7,097 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 3,648 $1,022,750,000 $280,359
    4-5% 2,585 $623,565,000 $241,224
    2.5-3% 1,817 $430,545,000 $236,954
    5-6% 1,403 $330,745,000 $235,741
    <2.5% 1,129 $117,255,000 $103,857
    6-7% 399 $66,555,000 $166,805
    7-8% 295 $31,215,000 $105,814
    Over 8% 40 $3,050,000 $76,250

    During 2022, Union Savings Bank's average interest rate for loans was 4.14%, while their most frequently originated rate bucket for loans was 3-4%, with 3,648 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 3,677 $1,024,965,000 $278,750 $1,932 4.07%
    $100k-200k 3,494 $511,300,000 $146,337 $1,293 4.08%
    $100,000 or less 2,618 $133,250,000 $50,898 $588 4.09%
    $400k-600k 1,039 $491,795,000 $473,335 $2,771 3.99%
    $600k-1MM 368 $263,860,000 $717,011 $4,279 3.95%
    $1MM+ 120 $200,510,000 $1,670,917 $12,833 4.13%

    2022 saw Union Savings Bank place emphasis on $200k-400k loans with 3,677 originations, totaling $1,024,965,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 2,775 $650,195,000 $234,305 $1,761 4.15%
    $150k-250k 2,171 $658,205,000 $303,181 $2,015 4.16%
    $75k-100k 1,939 $363,855,000 $187,651 $1,588 4.13%
    $50k-75k 1,927 $279,195,000 $144,886 $1,496 4.05%
    $50k or less 1,277 $104,965,000 $82,197 $1,128 3.54%
    $250k+ 939 $450,685,000 $479,963 $3,645 4.18%

    Union Savings Bank lent most frequently to those with incomes in the $100k-150k range, with 2,775 originations. The second most popular income band? $150k-250k, with 2,171 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 3,215 $706,975,000 $219,899 $1,501 4.12%
    30-36% 2,182 $535,720,000 $245,518 $1,784 4.19%
    <20% 1,477 $286,535,000 $193,998 $1,242 3.97%
    38% 413 $99,975,000 $242,070 $1,879 4.35%
    41% 370 $103,170,000 $278,838 $2,297 4.22%
    37% 360 $85,440,000 $237,333 $1,737 4.29%
    40% 351 $85,165,000 $242,635 $1,986 4.21%
    42% 350 $94,470,000 $269,914 $2,380 4.08%
    36% 337 $79,205,000 $235,030 $1,719 4.16%
    39% 336 $91,320,000 $271,786 $2,161 4.25%
    43% 293 $85,415,000 $291,519 $2,431 4.35%
    44% 290 $77,510,000 $267,276 $2,071 4.31%
    45% 205 $56,245,000 $274,366 $2,963 4.14%
    46% 152 $41,880,000 $275,526 $2,733 4.26%
    50-60% 135 $42,815,000 $317,148 $6,789 4.76%
    47% 109 $30,595,000 $280,688 $2,995 4.15%
    48% 73 $24,195,000 $331,438 $4,407 4.13%
    49% 43 $14,395,000 $334,767 $3,742 4.11%
    >60% 9 $12,315,000 $1,368,333 $22,151 4.88%

    Union Savings Bank lent most frequently to those with DTI ratios of 20-30%, with 3,215 originations. The next most common DTI ratio? 30-36%, with 2,182 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,862 $2,088,560,000 $235,676 $1,783 4.16%
    Not provided 990 $260,290,000 $262,919 $2,129 4.09%
    Asian 560 $167,610,000 $299,304 $2,157 4.16%
    Black 796 $75,000,000 $94,221 $1,143 2.95%
    Asian Indian 47 $14,495,000 $308,404 $1,566 4.21%
    American Indian 27 $7,215,000 $267,222 $3,567 4.27%
    Not applicable 5 $5,415,000 $1,083,000 $21,331 4.13%
    Other Asian 14 $3,430,000 $245,000 $3,514 4.31%
    Native Hawaiian or Islander 7 $1,905,000 $272,143 $1,635 3.91%
    Chinese 4 $730,000 $182,500 $560 4.00%
    Other Pacific Islander 2 $570,000 $285,000 $935 5.69%
    Filipino 1 $365,000 $365,000 $2,040 4.00%
    Korean 1 $95,000 $95,000 $285 5.75%

    Approval Rates

    Total approvals of all applications
    89.85%

    Union Savings Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.03%

    Union Savings Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 11,316 $2,625,680,000 $232,033

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    11,316 $2,625,680,000 $232,033

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 1,335 $180,735,000 $135,382 $749 4.21%
    40-60% 1,911 $437,085,000 $228,721 $1,327 3.67%
    60-80% 3,836 $1,155,770,000 $301,296 $1,893 3.96%
    80-100% 2,648 $771,060,000 $291,186 $2,645 4.37%
    Over 100% 43 $12,345,000 $287,093 $9,517 4.74%
    Under 20% 1,543 $68,685,000 $44,514 $426 4.17%