# UNIFY FINANCIAL Credit Union

> **Canonical URL:** https://saferate.com/lenders/unify-financial-credit-union


> **📋 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


UNIFY FINANCIAL Credit Union is a credit union, headquartered in Allen, TX, serving borrowers across 20 states, with 75 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FWYXJ79KO49290
- **Headquarters:** Allen, TX
- **Geographic Reach:** Multi-Region
- **States Served:** 20
- **State List:** AL, AR, AZ, CA, CO, IN, KY, MD, MI, MO, MS, NC, NJ, NM, NV, OH, OK, TN, TX, VA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.070%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $716
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 75
- **Dollar Volume:** $27 million
- **Applications Received:** 132
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $357,400
- **Average Borrower Income:** $147,960
- **Average Property Value:** $585,667

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 27/100 | 69 | +0.098% | $808 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 51 loans, Score: 27/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 28/100 | 57 | $22M | +0.066% | Acceptable 🙂 |
| Refinance | 26/100 | 18 | $5M | +0.083% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| CA | 14 | 0.00% | 45/100 |
| AR | 10 | 0.03% | 45/100 |
| KY | 10 | 0.02% | 45/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 16 | 34/100 |
| Fayetteville | AR | 10 | 47/100 |

## Frequently Asked Questions

### What loan types does UNIFY FINANCIAL Credit Union offer?

UNIFY FINANCIAL Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does UNIFY FINANCIAL Credit Union offer mortgages?

UNIFY FINANCIAL Credit Union offers mortgages in 20 states: AL, AR, AZ, CA, CO, IN, KY, MD, MI, MO, MS, NC, NJ, NM, NV, OH, OK, TN, TX, VA.

### How competitive are UNIFY FINANCIAL Credit Union's mortgage rates?

UNIFY FINANCIAL Credit Union has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.070% above market average.

### What type of lender is UNIFY FINANCIAL Credit Union?

UNIFY FINANCIAL Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Allen, TX.

### What is UNIFY FINANCIAL Credit Union's loan approval success rate?

UNIFY FINANCIAL Credit Union has a pull-through score of 29/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/unify-financial-credit-union

### How to Cite

> "UNIFY FINANCIAL Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/unify-financial-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/unify-financial-credit-union)**