Unison Bank Mortgage Rates, Fees & Info
Jamestown, NDLEI: 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
189Origination Dollar Volume (All Markets)
$28,315,000Top 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% |
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
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
2023 saw Unison Bank place emphasis on $100,000 or less loans with 103 originations, totaling $5,205,000 in origination value.
Applicant Income
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
Approval Rates
Total approvals of all applications85.07%
Unison Bank has an average approval rate.
Pick Rate
Approvals leading to origination79.37%
Unison Bank has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 189 | $28,315,000 | $149,815 |