Unity Bank closing costs and rates (2024)
In 2024, Unity Bank originated 182 purchase mortgages at a median interest rate of 6.88% and median total closing costs of $5,564. That is $1,177 below the national median of $6,741. Unity Bank is most active in New Jersey with 155 originations there.
Purchase Originations
182
Median Total Costs
$5,564
−17.5% vs national ($6,741)
Median Rate
6.875%
+3.9% vs national (6.620%)
Median Origination
$955
Median Lender Credits
$955
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 167 | 6.990% | $5,473 | $955 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| New Jersey | 155 | 6.875% | $5,617 | #84 |
| Pennsylvania | 17 | 6.500% | $4,434 | — |
| New York | 4 | 7.188% | $13,359 | — |
| Florida | 3 | 7.000% | $4,213 | — |
| Colorado | 1 | 6.875% | $2,905 | — |
| Maryland | 1 | 6.375% | $7,473 | — |
| South Carolina | 1 | 6.625% | $3,187 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,905 | 6.875% | — | 1 | −$2,659 | |
| 2 | $4,078 | 7.000% | — | 9 | −$1,486 | |
| 3 | $4,213 | 6.625% | — | 1 | −$1,351 | |
| 4 | $4,344 | 6.500% | — | 3 | −$1,220 | |
| 5 | $4,529 | 6.625% | — | 5 | −$1,035 | |
| 6 | $4,743 | 6.938% | — | 8 | −$821 | |
| 7 | $4,943 | 7.000% | — | 11 | −$621 | |
| 8 | $4,986 | 6.875% | — | 11 | −$578 | |
| 9 | $5,004 | 7.125% | — | 8 | −$560 | |
| 10 | $5,247 | 7.188% | — | 4 | −$317 | |
| 11 | $5,289 | 6.625% | — | 11 | −$275 | |
| 12 | $5,290 | 6.750% | — | 7 | −$274 | |
| 13 | $5,292 | 7.188% | — | 2 | −$272 | |
| 14 | $5,542 | 7.125% | — | 5 | −$22 | |
| 15 | $5,790 | 6.875% | — | 48 | +$226 | |
| 16 | $6,086 | 7.000% | — | 21 | +$522 | |
| 17 | $7,090 | 6.562% | — | 12 | +$1,526 | |
| 18 | $7,473 | 6.375% | — | 1 | +$1,909 | |
| 19 | $9,190 | 7.625% | — | 7 | +$3,626 | |
| 20 | $14,360 | 8.000% | — | 1 | +$8,796 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, 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.