Mortgage Rates

UNB Specializes in New Construction Financing.
Call or email UNB today and let us help make your dream home a reality.


Term Rate Points APR Payment
(per $10,000 borrowed)
Down Payment
30 Year
Fixed Rate
4.00% 0 4.078% $47.79 20%*
20 Year
Fixed Rate
3.625% 0 3.730% $58.69 20%*
15 Year
Fixed Rate
2.875% 0 3.007% $68.50 20%*

                                                   *private mortgage insurance solutions available


Term Rate APR Payment
(per $10,000 borrowed)
15 Year
Fixed Rate
4.000% 4.001% $74.04
10 Year
Fixed Rate
3.500% 3.499% $98.96
7 Year
Fixed Rate
3.000% 3.000% $132.22
5 Year
Fixed Rate
2.500% 2.497% $177.56


The above payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment amount will be greater.

Please contact one of our mortgage lenders for more information
Note: The email links for the Mortgage Loan Originators are not secure and should not be used to communicate any confidential, personal or account information.

Please Click Here to try our payment calculator.

Please Click Here to print an Application. (Opens in a new window)

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Please print your application for financing, once completed, you may submit your application along with verification of income to either our Mount Carmel or Numidia office:

Mount Carmel Numidia
P.O. Box 367 P.O. Box 98
Mount Carmel, PA 17851 Numidia, PA 17858


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If you believe that you have been a victim of fraud related to your UNB Bank Accounts, please contact us immediately at 570-339-1040 or 877-786-5805 .

UNB Bank will not request your personal information (e.g., account number, Social Security Number, password etc.) through email or website pop ups.
Never give out personal information in response to an unsolicited email or website popup.


UNB has many different loan options available. If you have questions, we have answers, call or email UNB today, and one of our loan professionals will help direct you towards the right product to meet your needs.

All rates are based on a credit score of 700 or higher. Other conditions may apply. Appraisal may be required.

All rates listed are for borrowers Primary residence only and do not apply to second homes or rental properties.

All rates subject to change and may be withdrawn without notice. Call or email for other rates and terms.

Rates listed are for first lien mortgage loans without exception, other rate options are available for second lien mortgage loans.

Mortgage loans with terms of 20 years or greater require automatic bi-weekly payments from a UNB deposit account.