Union Bank mortgage approval rate & lending review
Union Bank decided 351 mortgage applications and funded 334 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Union Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Union Bank at a glance
Approval is 11.4 points above the 84.3% 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 | 97% | 259 / 268 | 99% | $345K | 257 |
| Home improvement loans | 93% | 25 / 27 | 100% | $65K | 25 |
| Investment property purchase | 92% | 24 / 26 | 100% | $295K | 24 |
Union Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Vermont | 95% | $345K | 325 | 308 |
| New Hampshire | 100% | $425K | 21 | 21 |
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.
Questions about Union Bank
What is Union Bank's mortgage approval rate?
Union Bank approved 95.7% of the 351 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.4 points above the 84.3% national rate for the same mix of loan types.
How often do borrowers take the loan Union Bank offers?
Borrowers accepted 99% of the loans Union Bank 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 Union Bank make?
The typical home purchase mortgage loan Union Bank made was $345K; across all loan types its typical loan ran from $65K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Union Bank lend?
Union Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Vermont, New Hampshire and Maine.
Can I apply to Union Bank directly?
Yes. Union Bank is a bank or credit union with 64 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Union Bank'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 Union Bank treats applications, then get a rate quote from the lender.