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
4.300% 0 4.380% $49.63 *
20 Year
Fixed Rate
3.900% 0 4.008% $60.29 *
15 Year
Fixed Rate
3.125% 0 3.257% $69.80 *

                                    *Down payment as low as 5%, with Private Mortgage Insurance.

                                  * 20% down payment required without Private Mortgage Insurance.

                                   *  For Construction Loans call or email to discuss other options.


Term Rate APR Payment
(per $10,000 borrowed)
15 Year
Fixed Rate
3.750% 3.750% $72.72
10 Year
Fixed Rate
3.500% 3.501% $98.89
7 Year
Fixed Rate
3.000% 2.999% $132.13
5 Year
Fixed Rate
2.500% 2.499% $177.47


The above payment amount includes principal and interest only and does not include premiums for Private Mortgage Insurance.  If Private Mortgage Insurance is required, payment may be higher. Escrow for Taxes and Insurance is not required. 

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)

Please Click Here to see How to Speed up the Lending Process. (Opens in a new window)

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
One North Oak Street., P.O. Box 367 1071 Numidia Drive, P.O. Box 98
Mount Carmel, PA 17851-0367 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 and require automatic payment withdrawal from a UNB deposit account. 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.