UniBank for Savings mortgage approval rate & lending review
UniBank for Savings decided 1,483 mortgage applications and funded 1,181 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions UniBank for Savings reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
UniBank for Savings at a glance
Approval is 8.7 points above the 77.2% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 92% | 618 / 675 | 89% | $405K | 553 |
| Home improvement loans | 75% | 237 / 317 | 95% | $65K | 224 |
| Cash-out refinance | 85% | 245 / 289 | 96% | $155K | 234 |
| Refinance | 90% | 82 / 91 | 96% | $225K | 79 |
| Investment property purchase | 94% | 64 / 68 | 97% | $305K | 62 |
UniBank for Savings lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 86% | $305K | 1,328 | 1,081 |
| New Hampshire | 89% | $215K | 55 | 29 |
| Maine | 84% | $105K | 50 | 32 |
| Rhode Island | 87% | $345K | 45 | 35 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where UniBank for Savings lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Mortgage lenders | 92% | 372 | 326 |
| Worcester County, MA | Home improvement loans | 74% | 269 | 188 |
| Worcester County, MA | Cash-out refinance | 84% | 230 | 185 |
| Worcester County, MA | Refinance | 87% | 54 | 46 |
| Worcester County, MA | Investment property purchase | 90% | 40 | 36 |
| Middlesex County, MA | Cash-out refinance | 92% | 25 | 22 |
The county markets where UniBank for Savings made the most loans. Each link opens that market with every lender ranked.
Questions about UniBank for Savings
What is UniBank for Savings's mortgage approval rate?
UniBank for Savings approved 86.0% of the 1,483 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.7 points above the 77.2% national rate for the same mix of loan types.
How often do borrowers take the loan UniBank for Savings offers?
Borrowers accepted 93% of the loans UniBank for Savings approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does UniBank for Savings make?
The typical home purchase mortgage loan UniBank for Savings made was $405K; across all loan types its typical loan ran from $65K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does UniBank for Savings lend?
UniBank for Savings decided applications in 5 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Maine.
Can I apply to UniBank for Savings directly?
Yes. UniBank for Savings is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show UniBank for Savings's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how UniBank for Savings treats applications, then get a rate quote from the lender.