Purchase Originations
163
Median Total Costs
$2,939
−56.0% vs national ($6,680)
↓ $489 vs prior year
Median Rate
6.000%
−7.5% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$0
Median Lender Credits
$1,000
Denial Rate
6.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 163 | 6.000% | $2,939 | $0 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 152 | 6.000% | $2,925 | #66 |
| Rhode Island | 7 | 6.125% | $3,738 | — |
| Connecticut | 2 | 6.438% | $3,849 | — |
| New Hampshire | 2 | 6.375% | $2,651 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,325 | 6.375% | — | 4 | −$614 | |
| 2 | $2,651 | 6.375% | — | 2 | −$288 | |
| 3 | $2,725 | 6.000% | — | 1 | −$214 | |
| 4 | $2,760 | 6.000% | — | 101 | −$179 | |
| 5 | $2,789 | 5.812% | — | 4 | −$150 | |
| 6 | $2,816 | 6.000% | — | 1 | −$123 | |
| 7 | $3,180 | 5.750% | — | 3 | +$241 | |
| 8 | $3,254 | 6.000% | — | 4 | +$315 | |
| 9 | $3,632 | 5.938% | — | 4 | +$693 | |
| 10 | $3,650 | 6.750% | — | 1 | +$711 | |
| 11 | $3,725 | 6.000% | — | 13 | +$786 | |
| 12 | $3,738 | 6.125% | — | 7 | +$799 | |
| 13 | $3,815 | 5.875% | — | 16 | +$876 | |
| 14 | $3,849 | 6.438% | — | 2 | +$910 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | UniBank for Savings | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $435,000 | $335,000 | +$100,000 (+29.9%) |
| Median total closing costs | $2,939 | $7,127 | −$4,188 (−58.8%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.