# UniBank for Savings

> **Canonical URL:** https://saferate.com/lenders/unibank-for-savings


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


UniBank for Savings is a bank, headquartered in Whitinsville, MA, serving borrowers across 5 states, with 230 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 9% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 37% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300SIZ5KBISEZE503
- **Headquarters:** Whitinsville, MA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** CT, MA, ME, NH, RI
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 63/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.346%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $81
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 230
- **Dollar Volume:** $120 million
- **Applications Received:** 316
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $522,348
- **Average Borrower Income:** $246,752
- **Average Property Value:** $779,826

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Purchase Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 53/100 | 208 | -0.341% | $70 | Sound ☺️ |
| Jumbo | 66/100 | 22 | -0.405% | $214 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 166 loans, Score: 51/100 (Sound)
- Refinance: 42 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 52/100 | 184 | $100M | -0.316% | Sound ☺️ |
| Refinance | 53/100 | 46 | $20M | -0.480% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 213 | 0.35% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Worcester, MA | MA | 127 | 89/100 |
| Boston, MA | MA | 37 | 61/100 |
| Cambridge | MA | 36 | 59/100 |

## Where This Lender Ranks

UniBank for Savings appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Worcester, MA
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders)
- 🥈 **#2** in Worcester, MA Banks
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks)
- 🥈 **#2** in Worcester, MA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks/jumbo-loans)
- 🥉 **#3** in Worcester, MA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/jumbo-loans)
- 🏆 **#8** in Boston, MA
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders)
- 🏆 **#8** in Boston, MA Banks
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks)
- 🏆 **#9** in Worcester, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in Massachusetts Banks
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks)
- 🏆 **#12** in Boston, MA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in Massachusetts
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders)
- 🏆 **#14** in Massachusetts for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#14** in Boston, MA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/jumbo-loans)
- 🏆 **#15** in Massachusetts for Jumbo Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/jumbo-loans)
- 🏆 **#16** in Worcester, MA for Conventional Loans
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Boston, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does UniBank for Savings offer?

UniBank for Savings offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UniBank for Savings offer mortgages?

UniBank for Savings offers mortgages in 5 states: CT, MA, ME, NH, RI.

### How competitive are UniBank for Savings's mortgage rates?

UniBank for Savings has a pricing score of 91/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.346% below market average.

### What type of lender is UniBank for Savings?

UniBank for Savings is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Whitinsville, MA.

### What is UniBank for Savings's loan approval success rate?

UniBank for Savings has a pull-through score of 63/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/unibank-for-savings

### How to Cite

> "UniBank for Savings Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/unibank-for-savings

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