Unison Credit Union Mortgage Rates, Fees & Info

Kaukauna, WI

LEI: 549300L5K7XBSXWT6D49

Tax ID: 39-1134930

5 stars - Updated: 3/17/24 - out of 5 stars, based on 12 reviews

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

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Mortgage Data

Review & Overview

Unison Credit Union is a smaller credit union specializing in Cash Out Refi and Home Purchase loans. Unison Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Appleton, Green Bay, Oshkosh, Marinette, and Wausau among others. We have data for 10 markets. (Some data included below & more in-depth data is available with an active subscription.)

Unison Credit Union has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Unison Credit Union 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
30 Year Conventional Purchase 6.52% 3/17/24
30 Year Conventional Refi 6.02% 3/17/24
30 Year Cash-out Refi 6.07% 3/17/24
15 Year Conventional Purchase 6.11% 3/17/24
15 Year Conventional Refi 6.10% 3/17/24
15 Year Cash-out Refi 6.10% 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.

Unison Credit Union Mortgage Calculator






Your Estimates

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

This is not an official calculator from Unison Credit Union. 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

137

Origination Dollar Volume (All Markets)

$26,595,000

Awards

UNISON CREDIT UNION 30 Year Conventional Loans gold UNISON CREDIT UNION 30 Year Conventional Loans gold UNISON CREDIT UNION 30 Year Conventional Loans gold
Show all (3) awards

Relative Rate

Unison Credit Union's average 30 year fixed mortgage rate was 3.64%.

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

This yields a difference of -1.12%.

Relative Fees (Closing Costs)

Unison Credit Union's average total fees/closing costs for a 30 year fixed rate mortgage were $1,378.

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
APPLETON, WI (FHA|USDA|VA) 88 $18,020,000 $204,773 $1,516 3.67%
GREEN BAY, WI (FHA|USDA|VA) 23 $4,125,000 $179,348 $1,697 4.05%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 7 $1,145,000 $163,571 $933 3.97%
Outside of Metro Areas 8 $810,000 $101,250 $1,138 4.00%
Marinette, WI-MI (FHA|USDA|VA) 4 $740,000 $185,000 $2,096 3.41%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $545,000 $545,000 $0 5.25%
Shawano, WI (FHA|USDA|VA) 1 $405,000 $405,000 $1,886 3.25%
RACINE, WI (FHA|USDA|VA) 1 $365,000 $365,000 $1,438 2.88%
Manitowoc, WI (FHA|USDA|VA) 3 $315,000 $105,000 $1,436 4.37%
Iron Mountain, MI-WI (FHA|USDA|VA) 1 $125,000 $125,000 $1,686 6.13%
Unison Credit Union's top markets include Appleton, Green Bay, Oshkosh, Marinette, and Wausau among others.

Their top states include:
  • Wisconsin (FHA|USDA|VA)
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 137 $26,595,000 $194,124 $1,532 3.80%

    For 2022, Unison Credit Union's most frequently originated type of loan was Conventional, with 137 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 64 $11,810,000 $184,531 $1,342 3.70%
    Home Purchase 44 $10,280,000 $233,636 $2,096 4.02%
    Other 11 $1,665,000 $151,364 $1,238 3.98%
    Refi 11 $2,235,000 $203,182 $1,082 3.30%
    Home Improvement 7 $605,000 $86,429 $885 3.77%

    For 2022, Unison Credit Union's most frequently cited loan purpose was Cash Out Refi, with 64 originations. The 2nd most popular reason was Home Purchase, with 44 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 64 $14,340,000 $224,063 $1,378 3.64%
    Other 29 $5,055,000 $174,310 $3,061 4.41%
    15 Year 18 $2,220,000 $123,333 $1,164 3.87%
    10 Year 14 $1,530,000 $109,286 $1,332 3.17%
    30+ year 9 $3,335,000 $370,556 $3,832 3.44%
    5 Year 3 $115,000 $38,333 $536 4.83%

    For 2022, Unison Credit Union's most frequently cited loan duration was 30 Year, with 64 originations. The 2nd most popular length was Other, with 29 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 109 $21,645,000 $198,578

    Unison Credit Union's average total fees were $1,378, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 109 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 57 $12,595,000 $220,965
    2.5-3% 28 $6,700,000 $239,286
    4-5% 26 $3,150,000 $121,154
    5-6% 11 $2,285,000 $207,727
    <2.5% 9 $1,105,000 $122,778
    6-7% 6 $760,000 $126,667

    During 2022, Unison Credit Union's average interest rate for loans was 3.64%, while their most frequently originated rate bucket for loans was 3-4%, with 57 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 56 $7,880,000 $140,714 $1,417 3.93%
    $200k-400k 40 $10,820,000 $270,500 $1,687 3.71%
    $100,000 or less 30 $1,980,000 $66,000 $1,073 3.82%
    $400k-600k 9 $4,425,000 $491,667 $2,321 3.42%
    $600k-1MM 2 $1,490,000 $745,000 $4,898 3.25%

    2022 saw Unison Credit Union place emphasis on $100k-200k loans with 56 originations, totaling $7,880,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 29 $4,165,000 $143,621 $1,347 3.48%
    $100k-150k 25 $5,665,000 $226,600 $1,677 3.78%
    $75k-100k 24 $4,620,000 $192,500 $1,580 3.92%
    $150k-250k 21 $5,445,000 $259,286 $1,595 3.61%
    $50k or less 10 $1,020,000 $102,000 $1,575 3.79%
    $250k+ 5 $1,365,000 $273,000 $1,324 3.20%

    Unison Credit Union lent most frequently to those with incomes in the $50k-75k range, with 29 originations. The second most popular income band? $100k-150k, with 25 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 32 $5,260,000 $164,375 $1,478 3.68%
    30-36% 29 $5,035,000 $173,621 $1,284 3.79%
    <20% 15 $3,205,000 $213,667 $1,332 3.37%
    44% 5 $1,045,000 $209,000 $1,574 3.70%
    37% 4 $690,000 $172,500 $1,555 3.44%
    43% 4 $1,180,000 $295,000 $1,586 4.28%
    39% 3 $555,000 $185,000 $1,370 2.83%
    41% 3 $605,000 $201,667 $2,559 4.50%
    38% 3 $575,000 $191,667 $2,563 3.42%
    42% 2 $1,050,000 $525,000 $2,923 3.25%
    45% 2 $220,000 $110,000 $1,069 3.94%
    47% 2 $390,000 $195,000 $831 3.63%
    46% 1 $455,000 $455,000 $3,803 3.38%
    50-60% 1 $705,000 $705,000 $4,898 2.75%
    36% 1 $345,000 $345,000 $1,833 3.38%
    49% 1 $205,000 $205,000 $1,001 2.50%

    Unison Credit Union lent most frequently to those with DTI ratios of 20-30%, with 32 originations. The next most common DTI ratio? 30-36%, with 29 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 114 $21,980,000 $192,807 $1,553 3.74%
    Not applicable 20 $4,020,000 $201,000 $0 4.17%
    Not provided 2 $320,000 $160,000 $1,207 3.44%
    Asian 1 $275,000 $275,000 $0 3.50%

    Approval Rates

    Total approvals of all applications
    96.80%

    Unison Credit Union has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    91.97%

    Unison Credit Union has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 137 $26,595,000 $194,124

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    137 $26,595,000 $194,124

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 13 $1,275,000 $98,077 $1,388 3.59%
    40-60% 19 $3,405,000 $179,211 $1,647 3.98%
    60-80% 65 $15,285,000 $235,154 $1,702 3.76%
    80-100% 29 $5,745,000 $198,103 $1,511 3.89%
    Over 100% 1 $235,000 $235,000 $0 3.75%
    Under 20% 8 $370,000 $46,250 $543 4.04%