Unison Bank Mortgage Rates, Fees & Info

Jamestown, ND

LEI: 549300XRB0LTJL53XI04

Tax ID: 45-0280822

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Mortgage Data

Review & Overview

Unison Bank is a smaller bank specializing in Home Purchase loans. Unison Bank has a high proportion of conventional loans. Their top markets by origination volume include: Phoenix, Jamestown, Prescott Valley, Tucson, and Fergus Falls among others. We have data for 13 markets. (Some data included below & more in-depth data is available with an active subscription.)

Unison 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.

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Originations

189

Origination Dollar Volume (All Markets)

$28,315,000

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
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 97 $12,375,000 $127,577 $0 0.00%
Jamestown, ND (FHA|USDA|VA) 61 $10,475,000 $171,721 $0 0.00%
Outside of Metro Areas 13 $1,165,000 $89,615 $0 0.00%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 3 $1,035,000 $345,000 $0 0.00%
TUCSON, AZ (FHA|USDA|VA) 5 $745,000 $149,000 $0 0.00%
Fergus Falls, MN (FHA|USDA|VA) 1 $705,000 $705,000 $0 0.00%
SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) 1 $655,000 $655,000 $0 0.00%
GRAND FORKS, ND-MN (FHA|USDA|VA) 1 $555,000 $555,000 $0 0.00%
Payson, AZ (FHA|USDA|VA) 3 $205,000 $68,333 $0 0.00%
BISMARCK, ND (FHA|USDA|VA) 1 $175,000 $175,000 $0 0.00%
FLAGSTAFF, AZ (FHA|USDA|VA) 1 $135,000 $135,000 $0 0.00%
FARGO, ND-MN (FHA|USDA|VA) 1 $65,000 $65,000 $0 0.00%
YUMA, AZ (FHA|USDA|VA) 1 $25,000 $25,000 $0 0.00%
Unison Bank's top markets include Phoenix, Jamestown, Prescott Valley, Tucson, and Fergus Falls among others.

Their top states include:
  • Arizona (FHA|USDA|VA)
  • North Dakota (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • California (FHA|USDA|VA)
  • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 189 $28,315,000 $149,815 $0 0.00%

    For 2023, Unison Bank's most frequently originated type of loan was Conventional, with 189 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 131 $22,905,000 $174,847 $0 0.00%
    Refi 26 $3,050,000 $117,308 $0 0.00%
    Home Improvement 16 $940,000 $58,750 $0 0.00%
    Other 16 $1,420,000 $88,750 $0 0.00%

    For 2023, Unison Bank's most frequently cited loan purpose was Home Purchase, with 131 originations. The 2nd most popular reason was Refi, with 26 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 189 $28,315,000 $149,815 $0 0.00%

    For 2023, Unison Bank's most frequently cited loan duration was Other, with 189 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 103 $5,205,000 $50,534 $0 0.00%
    $100k-200k 48 $6,460,000 $134,583 $0 0.00%
    $200k-400k 22 $6,040,000 $274,545 $0 0.00%
    $400k-600k 8 $3,910,000 $488,750 $0 0.00%
    $600k-1MM 6 $4,350,000 $725,000 $0 0.00%
    $1MM+ 2 $2,350,000 $1,175,000 $0 0.00%

    2023 saw Unison Bank place emphasis on $100,000 or less loans with 103 originations, totaling $5,205,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 41 $3,515,000 $85,732 $0 0.00%
    $100k-150k 40 $6,540,000 $163,500 $0 0.00%
    $75k-100k 40 $5,340,000 $133,500 $0 0.00%
    $50k or less 29 $2,575,000 $88,793 $0 0.00%
    $250k+ 14 $5,480,000 $391,429 $0 0.00%
    $150k-250k 13 $1,835,000 $141,154 $0 0.00%

    Unison Bank lent most frequently to those with incomes in the $50k-75k range, with 41 originations. The second most popular income band? $100k-150k, with 40 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 189 $28,315,000 $149,815 $0 0.00%

    Unison Bank lent most frequently to those with DTI ratios of Exempt%, with 189 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 149 $20,805,000 $139,631 $0 0.00%
    Not provided 21 $3,125,000 $148,810 $0 0.00%
    Not applicable 9 $2,745,000 $305,000 $0 0.00%
    Asian 5 $1,155,000 $231,000 $0 0.00%
    American Indian 3 $385,000 $128,333 $0 0.00%
    Black 2 $100,000 $50,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    85.07%

    Unison Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    79.37%

    Unison Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 189 $28,315,000 $149,815

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    189 $28,315,000 $149,815