Unison Credit Union Mortgage Rates, Fees & Info

Kaukauna, WI

LEI: 549300L5K7XBSXWT6D49

Tax ID: 39-1134930

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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Review & Overview

    Unison Credit Union is a smaller credit union specializing in Cash Out Refi, 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, Wisconsin Rapids, and Marinette among others. We have data for 7 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 a below 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.

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    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.52% 12/16/24
    30 Year Conventional Refi 6.02% 12/16/24
    30 Year Cash-out Refi 6.07% 12/16/24
    15 Year Conventional Purchase 6.11% 12/16/24
    15 Year Conventional Refi 6.10% 12/16/24
    15 Year Cash-out Refi 6.10% 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.

    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

    256

    Origination Dollar Volume (All Markets)

    $41,720,000

    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

    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) 171 $28,675,000 $167,690 $1,345 3.28%
    GREEN BAY, WI (FHA|USDA|VA) 62 $10,100,000 $162,903 $1,314 3.25%
    Outside of Metro Areas 11 $1,695,000 $154,091 $1,494 3.74%
    OSHKOSH-NEENAH, WI (FHA|USDA|VA) 7 $795,000 $113,571 $1,401 3.40%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $165,000 $165,000 $1,661 3.35%
    Marinette, WI-MI (FHA|USDA|VA) 3 $155,000 $51,667 $1,554 3.41%
    Stevens Point, WI (FHA|USDA|VA) 1 $135,000 $135,000 $1,686 4.00%
    Unison Credit Union's top markets include Appleton, Green Bay, Oshkosh, Wisconsin Rapids, and Marinette among others.

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

    • Similar Lenders

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

    The Bank of Kaukauna
    Similarity Rank: 112
    Hometown Bank
    Similarity Rank: 192
    Fox Valley Savings Bank
    Similarity Rank: 322
    CAPITAL Credit Union
    Similarity Rank: 518
    Range Bank
    Similarity Rank: 580
    UNISON CREDIT UNION
    Similarity Rank: 595
    PCM
    Similarity Rank: 672
    VERVE, A CREDIT UNION
    Similarity Rank: 1400
    National Exchange Bank and Trust
    Similarity Rank: 1400
    FOX COMMUNITIES
    Similarity Rank: 1444

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 256 $41,720,000 $162,969 $1,351 3.30%

    For 2020, Unison Credit Union's most frequently originated type of loan was Conventional, with 256 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Cash Out Refi 117 $19,035,000 $162,692 $1,342 3.27%
    Refi 69 $11,215,000 $162,536 $1,169 3.20%
    Home Purchase 51 $9,065,000 $177,745 $1,651 3.49%
    Other 13 $1,835,000 $141,154 $1,373 3.16%
    Home Improvement 6 $570,000 $95,000 $1,167 3.65%

    For 2020, Unison Credit Union's most frequently cited loan purpose was Cash Out Refi, with 117 originations. The 2nd most popular reason was Refi, with 69 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 136 $24,090,000 $177,132 $1,343 3.43%
    15 Year 90 $13,040,000 $144,889 $1,288 3.01%
    10 Year 14 $1,590,000 $113,571 $1,208 3.18%
    Other 11 $1,275,000 $115,909 $0 4.03%
    30+ year 5 $1,725,000 $345,000 $3,100 3.60%

    For 2020, Unison Credit Union's most frequently cited loan duration was 30 Year, with 136 originations. The 2nd most popular length was 15 Year, with 90 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 245 $40,445,000 $165,082

    Unison Credit Union's average total fees were $1,343, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 245 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 142 $24,040,000 $169,296
    2.5-3% 90 $15,020,000 $166,889
    4-5% 22 $2,360,000 $107,273
    <2.5% 2 $300,000 $150,000

    During 2020, Unison Credit Union's average interest rate for loans was 3.43%, while their most frequently originated rate bucket for loans was 3-4%, with 142 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100k-200k 129 $18,905,000 $146,550 $1,345 3.29%
    $200k-400k 66 $16,720,000 $253,333 $1,381 3.20%
    $100,000 or less 56 $4,020,000 $71,786 $1,275 3.44%
    $400k-600k 5 $2,075,000 $415,000 $1,876 3.25%

    2020 saw Unison Credit Union place emphasis on $100k-200k loans with 129 originations, totaling $18,905,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 72 $13,140,000 $182,500 $1,406 3.30%
    $50k-75k 55 $6,595,000 $119,909 $1,377 3.33%
    $75k-100k 55 $8,245,000 $149,909 $1,270 3.29%
    $50k or less 35 $4,285,000 $122,429 $1,376 3.43%
    $150k-250k 34 $8,110,000 $238,529 $1,291 3.14%
    $250k+ 5 $1,345,000 $269,000 $1,441 3.04%

    Unison Credit Union lent most frequently to those with incomes in the $100k-150k range, with 72 originations. The second most popular income band? $50k-75k, with 55 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 109 $17,855,000 $163,807 $1,324 3.26%
    <20% 46 $6,370,000 $138,478 $1,234 3.26%
    30-36% 42 $7,530,000 $179,286 $1,395 3.35%
    40% 9 $1,615,000 $179,444 $1,710 3.38%
    41% 7 $855,000 $122,143 $1,346 3.14%
    36% 7 $995,000 $142,143 $1,404 3.55%
    42% 7 $1,205,000 $172,143 $1,265 3.27%
    38% 6 $1,290,000 $215,000 $1,336 3.18%
    37% 5 $735,000 $147,000 $1,184 3.18%
    39% 4 $570,000 $142,500 $1,493 3.21%
    44% 4 $860,000 $215,000 $2,131 3.47%
    45% 3 $655,000 $218,333 $1,626 3.58%
    50-60% 2 $280,000 $140,000 $1,349 3.24%
    43% 2 $250,000 $125,000 $1,057 3.75%
    >60% 1 $405,000 $405,000 $1,611 3.25%
    47% 1 $135,000 $135,000 $1,362 3.25%
    49% 1 $115,000 $115,000 $1,336 4.50%

    Unison Credit Union lent most frequently to those with DTI ratios of 20-30%, with 109 originations. The next most common DTI ratio? <20%, with 46 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 252 $41,240,000 $163,651 $1,348 3.30%
    Not provided 3 $385,000 $128,333 $1,496 3.21%
    Asian 1 $95,000 $95,000 $1,611 3.25%

    Approval Rates

    Total approvals of all applications
    94.09%

    Unison Credit Union has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.47%

    Unison Credit Union has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 256 $41,720,000 $162,969

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Site-Built 256 $41,720,000 $162,969

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 16 $1,310,000 $81,875 $1,271 3.28%
    40-60% 58 $8,070,000 $139,138 $1,286 3.08%
    60-80% 122 $21,590,000 $176,967 $1,387 3.33%
    80-100% 55 $10,305,000 $187,364 $1,398 3.45%
    Over 100% 1 $235,000 $235,000 $1,611 3.50%
    Under 20% 4 $210,000 $52,500 $889 3.31%