Applications / Mortgage Analytics / Lenders / New York / UNMB Home Loans
Levittown, NY · Independent non-bank lender · CFPB · 793 loans in 2025
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793
loans originated, 2025
1,189
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UNMB Home Loans is a New York purchase lender making larger loans than most of its peers, and its lending kept shrinking in 2025 as the market grew.
Home purchases made up 88.4% of its loans. Its typical loan was $475,000, against $325,000 at similar lenders (independent non-bank lenders making between half and twice as many loans), larger than at nearly nine in ten. Jumbo loans, those larger than the conforming limit, were rare at 0.2%.
Its loans fell 10% to 793, while similar lenders' rose 3% and the whole market 10%. They have fallen every year since 2021, when it made 2,782.
Majority-minority neighborhoods took 40.5% of its loans, against 25.1% at similar lenders. Low- and moderate-income (LMI) borrowers took 16.0%, lower than at more than three-quarters of peers, against 26.7%. Its large typical loan may mean better-off buyers, which could account for the low LMI share.
New York is still its main state, but it now lends in 19 states. In Chattanooga, which it entered in 2020, its share rose to 0.4%, a rank of 47 of 525. In Kiryas Joel-Poughkeepsie-Newburgh, where it has lent since 1993, its share slipped from 0.9% to 0.6%, in a year its loans fell 10%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UNMB Home Loans took 1,189 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 88.4% · Refinance 11.6%
Conventional 73.9% · FHA 22.4% · VA 3.7% · of 793 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 546 | 68.9% |
| New Jersey | 85 | 10.7% |
| Tennessee | 53 | 6.7% |
| Connecticut | 31 | 3.9% |
| Georgia | 16 | 2.0% |
| Florida | 15 | 1.9% |
| Pennsylvania | 14 | 1.8% |
| North Carolina | 11 | 1.4% |
| Texas | 6 | 0.8% |
| South Carolina | 4 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 336 |
| Nassau County-Suffolk County | 164 |
| Kiryas Joel-Poughkeepsie-Newburgh | 63 |
| Chattanooga | 48 |
| Lakewood-New Brunswick | 23 |
| Newark | 21 |
| Bridgeport-Stamford-Danbury | 15 |
| New Haven | 12 |
| Atlanta-Sandy Springs-Roswell | 9 |
| Orlando-Kissimmee-Sanford | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TCY9QY8BRDQJ12 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3873090 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77523800002 | 1993–2016 |
Established 23 May 1980. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: UNMB Home Loans's data.
UNMB Home Loans's data
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UNMB Home Loans and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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