Unison Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
28th16.2% deniedProcesswithdrawn + incomplete share, weight 15%
84th3.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 268 | 189 | 14.9% | 15.1% | — | $28M |
| 2024 | 248 | 169 | 17.7% | 18.0% | — | $25M |
| 2025 | 262 | 183 | 15.7% | 16.2% | — | $35M |
What Unison Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 141 manufactured homes, 18 investment properties.
Who gets approved at Unison Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 39 | 17 | 47.2% |
| $50k – $100k | 88 | 63 | 18.6% |
| $100k – $150k | 70 | 45 | 10.5% |
| $150k – $250k | 35 | 30 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 18 | 9.1% |
| 35–44 | 31 | 26 | 12.9% |
| 45–54 | 24 | 16 | 18.2% |
| 55–64 | 62 | 40 | 16.7% |
| 65–74 | 70 | 46 | 20.6% |
| Over 74 | 37 | 23 | 17.7% |
Where Unison Bank lends
5 states and 24 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Arizona | 147 | 84 | 21.8% | — | #200 |
| North Dakota | 108 | 94 | 8.3% | — | #44 |
Frequently asked questions
Unison Bank denied 16.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 28th percentile of small mortgage lenders.
In 2025, 71% of its applications were for home purchases, 12% for refinancing (including cash-out), and 17% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.