Unmb Home Loans Inc. mortgage approval rate & lending review
Unmb Home Loans Inc. decided 2,827 mortgage applications and funded 2,463 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Unmb Home Loans Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to unitednorthern.com.
Unmb Home Loans Inc. at a glance
Approval is 6.9 points above the 86.5% 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 | 93% | 2,225 / 2,380 | 94% | $465K | 2,094 |
| Refinance | 94% | 231 / 245 | 88% | $435K | 204 |
| Investment property purchase | 91% | 144 / 158 | 91% | $285K | 131 |
| Investment refinance | 91% | 39 / 43 | 85% | $355K | 33 |
Unmb Home Loans Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| New York | 94% | $505K | 2,076 | 1,827 |
| New Jersey | 95% | $465K | 254 | 224 |
| Tennessee | 96% | $385K | 113 | 106 |
| Florida | 91% | $345K | 112 | 83 |
| Connecticut | 88% | $425K | 84 | 69 |
| Pennsylvania | 96% | $295K | 54 | 46 |
| Georgia | 83% | $375K | 29 | 20 |
| Texas | 92% | $265K | 25 | 20 |
| North Carolina | 100% | $285K | 23 | 22 |
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 Unmb Home Loans Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Westchester County, NY | Mortgage lenders | 93% | 453 | 400 |
| Suffolk County, NY | Mortgage lenders | 95% | 310 | 289 |
| Bronx County, NY | Mortgage lenders | 89% | 253 | 204 |
| Nassau County, NY | Mortgage lenders | 98% | 213 | 203 |
| Orange County, NY | Mortgage lenders | 95% | 171 | 158 |
| Queens County, NY | Mortgage lenders | 94% | 140 | 117 |
| Rockland County, NY | Mortgage lenders | 96% | 109 | 101 |
| Dutchess County, NY | Mortgage lenders | 91% | 65 | 57 |
| Hamilton County, TN | Mortgage lenders | 94% | 52 | 49 |
| Suffolk County, NY | Refinance | 100% | 47 | 45 |
| Nassau County, NY | Refinance | 89% | 36 | 30 |
| Bronx County, NY | Refinance | 92% | 26 | 20 |
The county markets where Unmb Home Loans Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about Unmb Home Loans Inc.
What is Unmb Home Loans Inc.'s mortgage approval rate?
Unmb Home Loans Inc. approved 93.4% of the 2,827 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.9 points above the 86.5% national rate for the same mix of loan types.
How often do borrowers take the loan Unmb Home Loans Inc. offers?
Borrowers accepted 93% of the loans Unmb Home Loans Inc. 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 Unmb Home Loans Inc. make?
The typical home purchase mortgage loan Unmb Home Loans Inc. made was $465K; across all loan types its typical loan ran from $285K to $465K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Unmb Home Loans Inc. lend?
Unmb Home Loans Inc. decided applications in 22 of the states Fat Boy Data covers, most of them in New York, New Jersey and Tennessee.
Can I apply to Unmb Home Loans Inc. directly?
Yes. Unmb Home Loans Inc. reports as a direct lender that takes applications from borrowers. Its website is unitednorthern.com.
Does this page show Unmb Home Loans Inc.'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 Unmb Home Loans Inc. treats applications, then get a rate quote from the lender.