Unify Financial Credit Union Mortgage Rates, Fees & Info
Torrance, CALEI: 549300FWYXJ79KO49290
Tax ID: 34-6541032
Latest/2021 | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Unify Financial Credit Union is a smaller credit union specializing in Refi and Cash Out Refi loans. Unify Financial Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, Dallas, San Francisco, Fayetteville, and Oxnard among others. We have data for 114 markets. (Some data included below & more in-depth data is available with an active subscription.)Unify Financial Credit Union has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Unify Financial Credit Union is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| 30 Year Conventional Purchase | 6.53% | 3/19/23 |
| 30 Year Conventional Refi | 6.38% | 3/19/23 |
| 30 Year Cash-out Refi | 6.58% | 3/19/23 |
| 15 Year Conventional Purchase | 6.31% | 3/19/23 |
| 15 Year Conventional Refi | 5.78% | 3/19/23 |
| 15 Year Cash-out Refi | 5.78% | 3/19/23 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Originations
977Origination Dollar Volume (All Markets)
$291,205,000Awards
UNIFY FINANCIAL Credit Union - 2021
UNIFY FINANCIAL Credit Union is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Relative Rate
Unify Financial Credit Union's average 30 year fixed mortgage rate was
3.11%.
The 2021 average 30 year fixed rate mortgage across all markets and lenders was 3.15%.
This yields a difference of -0.04%.
Relative Fees (Closing Costs)
Unify Financial Credit Union's average total fees/closing costs for a 30 year fixed rate
mortgage were $2,352.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $4,750.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 293 | $116,445,000 | $397,423 | $2,065 | 2.85% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 76 | $23,420,000 | $308,158 | $2,869 | 2.90% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 65 | $21,055,000 | $323,923 | $2,178 | 2.89% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 80 | $12,390,000 | $154,875 | $1,773 | 2.99% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 34 | $11,230,000 | $330,294 | $2,653 | 2.86% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 33 | $9,885,000 | $299,545 | $2,360 | 3.20% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 30 | $7,380,000 | $246,000 | $2,720 | 2.88% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 16 | $6,810,000 | $425,625 | $2,395 | 2.87% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 33 | $6,675,000 | $202,273 | $1,434 | 2.90% |
| Outside of Metro Areas | 37 | $6,105,000 | $165,000 | $1,674 | 2.89% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 15 | $5,385,000 | $359,000 | $2,214 | 2.79% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 13 | $4,175,000 | $321,154 | $1,845 | 3.09% |
| VALLEJO, CA (FHA|USDA|VA) | 7 | $3,365,000 | $480,714 | $2,208 | 2.88% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 5 | $2,545,000 | $509,000 | $1,190 | 2.46% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 9 | $2,495,000 | $277,222 | $1,688 | 2.76% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 12 | $2,420,000 | $201,667 | $1,534 | 2.79% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 8 | $2,380,000 | $297,500 | $2,296 | 2.62% |
| RENO, NV (FHA|USDA|VA) | 5 | $2,265,000 | $453,000 | $1,608 | 3.07% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 7 | $2,105,000 | $300,714 | $1,167 | 2.81% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 12 | $1,780,000 | $148,333 | $1,405 | 2.89% |
| Tupelo, MS (FHA|USDA|VA) | 14 | $1,700,000 | $121,429 | $1,457 | 3.49% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 7 | $1,585,000 | $226,429 | $1,586 | 2.98% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $1,485,000 | $297,000 | $1,838 | 2.89% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 6 | $1,480,000 | $246,667 | $2,801 | 2.74% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 6 | $1,360,000 | $226,667 | $2,452 | 2.50% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $3,803 | 2.96% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 7 | $1,285,000 | $183,571 | $2,348 | 2.85% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,220,000 | $305,000 | $1,791 | 2.95% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $1,195,000 | $1,195,000 | $32,351 | 2.88% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $2,767 | 3.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $2,544 | 2.77% |
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) | 3 | $835,000 | $278,333 | $4,078 | 3.21% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $1,108 | 2.96% |
| Richmond-Berea, KY (FHA|USDA|VA) | 6 | $830,000 | $138,333 | $1,290 | 2.60% |
| ANN ARBOR, MI (FHA|USDA|VA) | 4 | $820,000 | $205,000 | $3,042 | 2.83% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $790,000 | $395,000 | $1,371 | 3.31% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 3 | $765,000 | $255,000 | $1,452 | 2.86% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 2 | $720,000 | $360,000 | $1,267 | 2.66% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 4 | $720,000 | $180,000 | $1,111 | 3.03% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $2,280 | 3.00% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 3 | $665,000 | $221,667 | $1,874 | 3.08% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 1 | $625,000 | $625,000 | $19,371 | 3.13% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,386 | 2.71% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 3 | $585,000 | $195,000 | $4,153 | 3.11% |
| LOUISVILLE/JEFFERSON COUNTY, KY-IN (FHA|USDA|VA) | 3 | $535,000 | $178,333 | $711 | 3.73% |
| SPARTANBURG, SC (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $3,486 | 2.45% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $525,000 | $175,000 | $1,562 | 2.81% |
| ST. GEORGE, UT (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $1,926 | 3.18% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $1,067 | 3.25% |
| NASHVILLE-DAVIDSON--MURFREESBORO--FRANKLIN, TN (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $1,265 | 2.70% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 2 | $460,000 | $230,000 | $2,233 | 2.59% |
| EL PASO, TX (FHA|USDA|VA) | 4 | $430,000 | $107,500 | $1,853 | 2.66% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $4,151 | 2.68% |
| POUGHKEEPSIE-NEWBURGH-MIDDLETOWN, NY (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,279 | 3.05% |
| Adrian, MI (FHA|USDA|VA) | 2 | $370,000 | $185,000 | $1,634 | 2.95% |
| GREEN BAY, WI (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $775 | 2.90% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $1,605 | 2.88% |
| Butte-Silver Bow, MT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $3,027 | 3.40% |
| Frankfort, KY (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,440 | 2.86% |
| OWENSBORO, KY (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $2,114 | 3.03% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,679 | 2.88% |
| JOPLIN, MO (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $1,510 | 3.46% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $2,444 | 2.88% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $1,233 | 2.79% |
| WINSTON-SALEM, NC (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,373 | 3.75% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $2,451 | 3.13% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,734 | 2.58% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $1,705 | 3.03% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $1,154 | 3.00% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $270,000 | $135,000 | $2,460 | 2.89% |
| PEORIA, IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,960 | 3.38% |
| COLUMBUS, OH (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $3,431 | 2.90% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,257 | 2.80% |
| SIERRA VISTA-DOUGLAS, AZ (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,830 | 3.44% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 2 | $230,000 | $115,000 | $1,909 | 2.96% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,000 | 3.38% |
| Cornelia, GA (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,150 | 3.20% |
| LONGVIEW, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,118 | 2.98% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $950 | 3.58% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,406 | 2.35% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $1,142 | 2.25% |
| PANAMA CITY, FL (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $1,781 | 3.63% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $949 | 2.43% |
| LAS CRUCES, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $2,468 | 2.65% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,448 | 2.98% |
| WINCHESTER, VA-WV (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,014 | 2.55% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,647 | 3.13% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $0 | 3.05% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,178 | 2.85% |
| Plattsburgh, NY (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,902 | 3.13% |
| Jasper, IN (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $1,153 | 2.83% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $1,765 | 3.25% |
| Hilo, HI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $2,801 | 2.75% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,033 | 3.08% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $945 | 3.15% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,842 | 3.10% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,909 | 2.98% |
| CLEVELAND, TN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,134 | 3.05% |
| FRESNO, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,664 | 2.48% |
| CHICO, CA (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,047 | 2.45% |
| Hobbs, NM (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $2,427 | 2.88% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $860 | 2.83% |
| Sedalia, MO (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,984 | 2.75% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $525 | 2.25% |
| Albertville, AL (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,999 | 3.95% |
| Sidney, OH (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,649 | 3.75% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,267 | 3.20% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $1,000 | 3.35% |
| Pittsburg, KS (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,000 | 3.08% |
| Moses Lake, WA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,013 | 3.20% |
| TULSA, OK (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $2,766 | 3.05% |
| Bardstown, KY (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,065 | 3.25% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,776 | 2.93% |
| Maysville, KY (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $1,596 | 2.45% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 977 | $291,205,000 | $298,060 | $2,129 | 2.91% |
For 2021, Unify Financial Credit Union's most frequently originated type of loan was Conventional, with 977 originations.
Loan Reason
For 2021, Unify Financial Credit Union's most frequently cited loan purpose was Refi, with 305 originations. The 2nd most popular reason was Cash Out Refi, with 270 originations.
Loan Duration/Length
For 2021, Unify Financial Credit Union's most frequently cited loan duration was 30 Year, with 571 originations. The 2nd most popular length was 15 Year, with 286 originations.
Origination Fees/Closing Costs
Unify Financial Credit Union's average total fees were $2,352, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 813 originations.
Interest Rates
During 2021, Unify Financial Credit Union's average interest rate for loans was 3.11%, while their most frequently originated rate bucket for loans was 3-4%, with 380 originations.
Loan Sizing
2021 saw Unify Financial Credit Union place emphasis on $200k-400k loans with 406 originations, totaling $114,910,000 in origination value.
Applicant Income
Unify Financial Credit Union lent most frequently to those with incomes in the $100k-150k range, with 248 originations. The second most popular income band? $50k-75k, with 210 originations.
Applicant Debt to Income Ratio
Unify Financial Credit Union lent most frequently to those with DTI ratios of 20-30%, with 251 originations. The next most common DTI ratio? 30-36%, with 194 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications88.14%
Unify Financial Credit Union has an average approval rate.
Pick Rate
Approvals leading to origination37.87%
Unify Financial Credit Union has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 977 | $291,205,000 | $298,060 |