UniBank for Savings
UniBank for Savings received 694 applications in 2025 and made 470 mortgages, in 23 counties across 5 states. The median rate its borrowers got was 6.500% on a median loan of $295,000. Of 585 decisions, 91 were denials — 15.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300SIZ5KBISEZE503 |
|---|---|
| Applications received | 694 |
| Mortgages made | 470 |
| Denied | 91 |
| Approved, not taken up | 24 |
| Withdrawn or incomplete | 109 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.119 points |
| FDIC-insured bank | Yes: UniBank for Savings, 15 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 209 | 6.000% | $425,000 | 8.6% |
| Refinancing | 41 | 5.625% | $395,000 | 10.4% |
| Cash-out refinancing | 108 | 7.000% | $175,000 | 13.9% |
| Other purposes | 112 | 7.240% | $70,000 | 28.8% |
Where UniBank for Savings lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Worcester County, MA | 336 | 6.745% | 16.2% |
| Middlesex County, MA | 42 | 5.875% | 10.6% |
| Norfolk County, MA | 22 | 5.995% | 11.1% |
| Providence County, RI | 12 | 6.125% | 13.3% |
| Plymouth County, MA | 10 | 6.188% | 14.3% |
| Suffolk County, MA | 9 | Under 10 loans | 0.0% |
| Barnstable County, MA | 8 | Under 10 loans | 18.2% |
| Northeastern Connecticut Planning Region, CT | 7 | Under 10 loans | 12.5% |
| Essex County, MA | 5 | Under 10 loans | 16.7% |
| Hampden County, MA | 5 | Under 10 loans | 16.7% |
| York County, ME | 3 | Under 10 loans | 25.0% |
| Bristol County, MA | 2 | Under 10 loans | 33.3% |
| Hillsborough County, NH | 2 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Cumberland County, ME | 1 | Under 10 loans | 0.0% |
| Franklin County, MA | 1 | Under 10 loans | 0.0% |
| Hampshire County, MA | 1 | Under 10 loans | 0.0% |
| Rockingham County, NH | 1 | Under 10 loans | 0.0% |
| Strafford County, NH | 1 | Under 10 loans | 33.3% |
| Washington County, RI | 1 | Under 10 loans | 50.0% |
| Somerset County, ME | 0 | Under 10 loans | Not published |
| Carroll County, NH | 0 | Under 10 loans | 100.0% |
| Grafton County, NH | 0 | Under 10 loans | 100.0% |
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When UniBank for Savings’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.