Unb Bank Mortgage Rates, Fees & Info
Mount Carmel, PALEI: 549300ZNYJDVRF2ZLJ91
Tax ID: 24-0747133
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Mortgage Data
Review & Overview
Unb Bank is a smaller bank specializing in Home Purchase and Refi loans. Unb Bank has a high proportion of conventional loans. Their top markets by origination volume include: Sunbury, Bloomsburg, Pottsville, Scranton, and Selinsgrove among others. We have data for 6 markets. (Some data included below & more in-depth data is available with an active subscription.)Unb Bank has an average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders.
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Originations
90Origination Dollar Volume (All Markets)
$11,530,000Top 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 |
|---|---|---|---|---|---|
| Sunbury, PA (FHA|USDA|VA) | 54 | $6,110,000 | $113,148 | $0 | 0.00% |
| BLOOMSBURG-BERWICK, PA (FHA|USDA|VA) | 17 | $2,965,000 | $174,412 | $0 | 0.00% |
| Pottsville, PA (FHA|USDA|VA) | 16 | $1,990,000 | $124,375 | $0 | 0.00% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 0.00% |
| Selinsgrove, PA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 0.00% |
| Lewisburg, PA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 0.00% |
Their top states include:
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 90 | $11,530,000 | $128,111 | $0 | 0.00% |
For 2018, Unb Bank's most frequently originated type of loan was Conventional, with 90 originations.
Loan Reason
For 2018, Unb Bank's most frequently cited loan purpose was Home Purchase, with 49 originations. The 2nd most popular reason was Refi, with 27 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 90 | $11,530,000 | $128,111 | $0 | 0.00% |
For 2018, Unb Bank's most frequently cited loan duration was Other, with 90 originations.
Loan Sizing
2018 saw Unb Bank place emphasis on $100,000 or less loans with 47 originations, totaling $2,345,000 in origination value.
Applicant Income
Unb Bank lent most frequently to those with incomes in the $50k or less range, with 24 originations. The second most popular income band? $100k-150k, with 23 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 90 | $11,530,000 | $128,111 | $0 | 0.00% |
Unb Bank lent most frequently to those with DTI ratios of Exempt%, with 90 originations.
Ethnicity Mix
| Applicant Ethnicity | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| White | 89 | $11,495,000 | $129,157 | $0 | 0.00% |
| Not applicable | 1 | $35,000 | $35,000 | $0 | 0.00% |
Approval Rates
Total approvals of all applications81.97%
Unb Bank has a below average approval rate.
Pick Rate
Approvals leading to origination90.00%
Unb Bank has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 90 | $11,530,000 | $128,111 |