Unison Bank mortgage approval rate & lending review
Unison Bank decided 456 mortgage applications and funded 281 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Unison Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Unison Bank at a glance
Approval is 7.0 points below the 86.4% 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 | 76% | 259 / 340 | 74% | $95K | 192 |
| Refinance | 79% | 23 / 29 | 96% | $65K | 22 |
| Investment property purchase | 95% | 72 / 76 | 86% | $125K | 62 |
Unison Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 79% | $95K | 446 | 273 |
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 Unison Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Pinal County, AZ | Investment property purchase | 90% | 20 | 13 |
The county markets where Unison Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Unison Bank
What is Unison Bank's mortgage approval rate?
Unison Bank approved 79.4% of the 456 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.0 points below the 86.4% national rate for the same mix of loan types.
How often do borrowers take the loan Unison Bank offers?
Borrowers accepted 78% of the loans Unison 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 Unison Bank make?
The typical home purchase mortgage loan Unison Bank made was $95K; across all loan types its typical loan ran from $65K to $125K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Unison Bank lend?
Unison Bank decided applications in 5 of the states Fat Boy Data covers, most of them in Arizona, North Dakota and California.
Can I apply to Unison Bank directly?
Yes. Unison Bank is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Unison 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 Unison Bank treats applications, then get a rate quote from the lender.