Mortgage Rates

Mortgage Rates

Term Rate Points APR Payment monthly (per $10,000 borrowed) Down Payment
15 Year Fixed Rate 6.25% 0 6.273% $85.87 *20%
20 Year Fixed Rate 6.50% 0 6.521% $74.68 *20%
30 Year Fixed Rate 6.75% 0 6.767% $64.97 *20%
* Down payment as low as 5%, with private mortgage insurance. 20% down payment required without private mortgage insurance. For construction loans, contact us to discuss other options.  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.

First Lien-Premier Home Equity Loans

Term Rate APR Payment monthly (per $10,000 borrowed)
5 Year Fixed Rate 6.25% 6.308% $194.53
7 Year Fixed Rate 6.50% 6.544% $148.53
10 Year Fixed Rate 6.75% 6.784% $114.86
15 Year Fixed Rate 7.00% 7.026% $89.92

Payment CalculatorDownload Mortgage Application

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Please print your application for financing. Once completed, you may submit your application to either our Mount Carmel or Numidia office:

Mount Carmel
One North Oak Street, P.O. Box 367
Mount Carmel, PA 17851-0367

Numidia                                                                             Shamokin Dam
1071 Numidia Drive, P.O. Box 98                                    48 Orchard Drive
Numidia, PA 17858                                                             Shamokin Dam, PA  17876

UNB Bank is an Equal Housing Lender.

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All rates subject to change and may be withdrawn without notice.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.

Mortgage Loan Originators

Please contact one of our mortgage lenders for more information.



Chuck Yoder

Business Development Officer, MLO# 783681

UNB Bank Mount Carmel Office
One North Oak Street, P.O. Box 367, Mount Carmel, PA 17851

Phone 570-339-1040

Mobile 570-898-5553

Fax 570-339-3122



Rebecca J. Gross

Branch Manager, MLO# 484688

UNB Bank Numidia Office
1071 Numidia Drive, P.O. Box 98, Numidia, PA 17858

Phone 570-799-0176

Fax 570-799-0405





Mary Ann Daya

Market Development Specialist, MLO# 783672

UNB Bank Mount Carmel Office
One North Oak Street, P.O. Box 367, Mount Carmel, PA 17851

Phone 570-339-1040

Fax 570-339-3122




Jim Hane

Business Development Officer, NMLO# 491333

UNB Bank Shamokin Dam Loan Office
48 Orchard Drive, Shamokin Dam, PA 17876

Phone 570-561-0660

Fax 570-906-8968