Unify Financial Credit Union Mortgage Rates, Fees & Info
Torrance, CALEI: 549300FWYXJ79KO49290
Tax ID: 34-6541032
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Mortgage Data
Review & Overview
Unify Financial Credit Union is a smaller credit union specializing in Cash Out Refi and Refi loans. Unify Financial Credit Union has a high proportion of conventional loans. Their top markets by origination volume include: Los Angeles, San Francisco, Dallas, Riverside, and San Jose among others. We have data for 113 markets. (Some data included below & more in-depth data is available with an active subscription.)Unify Financial Credit Union has a below 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 |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 4/21/24 |
| 30 Year Conventional Purchase | 6.34% | 4/21/24 |
| 30 Year Conventional Refi | 6.22% | 4/21/24 |
| 30 Year Cash-out Refi | 6.55% | 4/21/24 |
| 30 Year FHA Purchase | 7.27% | 4/21/24 |
| 15 Year Conventional Purchase | 6.41% | 4/21/24 |
| 15 Year Conventional Refi | 5.74% | 4/21/24 |
| 15 Year Cash-out Refi | 5.74% | 4/21/24 |
| 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. | ||
Unify Financial Credit Union Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,097Origination Dollar Volume (All Markets)
$334,155,000Awards
UNIFY FINANCIAL Credit Union - 2019
UNIFY FINANCIAL Credit Union is a 2019 , due to their low .
For 2019, less than of lenders were eligible for this award.
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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) | 372 | $135,390,000 | $363,952 | $2,265 | 4.66% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 99 | $34,565,000 | $349,141 | $2,673 | 4.46% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 55 | $15,425,000 | $280,455 | $3,501 | 4.53% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 45 | $12,005,000 | $266,778 | $2,568 | 4.37% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 12 | $10,900,000 | $908,333 | $2,808 | 3.13% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 34 | $10,760,000 | $316,471 | $2,246 | 4.49% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 30 | $8,250,000 | $275,000 | $3,030 | 4.78% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 54 | $7,980,000 | $147,778 | $2,053 | 4.51% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 3 | $7,915,000 | $2,638,333 | $0 | 6.25% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 29 | $6,885,000 | $237,414 | $2,216 | 4.75% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 23 | $6,695,000 | $291,087 | $2,492 | 4.55% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 23 | $6,005,000 | $261,087 | $2,337 | 4.72% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 21 | $5,195,000 | $247,381 | $2,323 | 4.68% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 10 | $4,530,000 | $453,000 | $2,612 | 4.69% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 43 | $3,685,000 | $85,698 | $1,797 | 5.64% |
| Outside of Metro Areas | 18 | $3,580,000 | $198,889 | $2,525 | 4.33% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 11 | $3,485,000 | $316,818 | $2,289 | 4.84% |
| VALLEJO, CA (FHA|USDA|VA) | 13 | $2,395,000 | $184,231 | $2,000 | 5.66% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 7 | $2,385,000 | $340,714 | $2,017 | 3.69% |
| STOCKTON, CA (FHA|USDA|VA) | 10 | $2,290,000 | $229,000 | $2,029 | 5.17% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 3 | $2,285,000 | $761,667 | $8,541 | 2.91% |
| ANN ARBOR, MI (FHA|USDA|VA) | 7 | $2,265,000 | $323,571 | $1,947 | 3.98% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $1,705,000 | $1,705,000 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $1,789 | 4.50% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $1,420,000 | $710,000 | $2,392 | 3.44% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $1,945 | 3.88% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 4 | $1,360,000 | $340,000 | $3,202 | 4.24% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 10 | $1,210,000 | $121,000 | $1,773 | 4.89% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 3 | $1,115,000 | $371,667 | $2,461 | 3.75% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 3 | $1,025,000 | $341,667 | $3,417 | 4.27% |
| MADISON, WI (FHA|USDA|VA) | 2 | $1,010,000 | $505,000 | $1,858 | 3.63% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $3,007 | 4.21% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 6 | $950,000 | $158,333 | $2,249 | 5.15% |
| PROVO-OREM, UT (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $3,518 | 2.75% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 7 | $845,000 | $120,714 | $1,672 | 4.13% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $3,251 | 5.91% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 4 | $840,000 | $210,000 | $177 | 4.59% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $1,658 | 3.44% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $820,000 | $410,000 | $4,646 | 3.51% |
| Durango, CO (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $7,514 | 3.25% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 4 | $800,000 | $200,000 | $2,458 | 4.44% |
| COLUMBIA, SC (FHA|USDA|VA) | 1 | $775,000 | $775,000 | $0 | 0.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 3 | $775,000 | $258,333 | $3,306 | 3.47% |
| ASHEVILLE, NC (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $3,179 | 4.11% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $1,761 | 4.92% |
| NAPA, CA (FHA|USDA|VA) | 2 | $670,000 | $335,000 | $1,715 | 4.50% |
| MODESTO, CA (FHA|USDA|VA) | 5 | $625,000 | $125,000 | $3,182 | 5.80% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $620,000 | $310,000 | $2,508 | 4.69% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 3 | $575,000 | $191,667 | $2,336 | 3.29% |
| SCRANTON--WILKES-BARRE, PA (FHA|USDA|VA) | 1 | $555,000 | $555,000 | $4,192 | 3.25% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 2 | $540,000 | $270,000 | $2,058 | 4.25% |
| Frankfort, KY (FHA|USDA|VA) | 4 | $530,000 | $132,500 | $1,646 | 4.21% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $4,476 | 3.88% |
| RENO, NV (FHA|USDA|VA) | 1 | $475,000 | $475,000 | $2,802 | 4.25% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $455,000 | $455,000 | $1,557 | 4.13% |
| Centralia, WA (FHA|USDA|VA) | 3 | $445,000 | $148,333 | $4,296 | 4.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 1 | $415,000 | $415,000 | $2,865 | 3.75% |
| Shelton, WA (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $2,239 | 3.75% |
| CHICO, CA (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $1,957 | 3.94% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $355,000 | $355,000 | $1,753 | 3.35% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,892 | 5.00% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $2,549 | 5.06% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $1,332 | 4.50% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $2,121 | 3.38% |
| Tupelo, MS (FHA|USDA|VA) | 4 | $320,000 | $80,000 | $1,815 | 4.69% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,656 | 4.25% |
| SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,314 | 3.00% |
| PITTSBURGH, PA (FHA|USDA|VA) | 2 | $310,000 | $155,000 | $0 | 4.88% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $2,048 | 4.75% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $2,092 | 3.63% |
| Richmond-Berea, KY (FHA|USDA|VA) | 2 | $250,000 | $125,000 | $1,671 | 3.44% |
| SANTA FE, NM (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $2,781 | 3.88% |
| SPOKANE-SPOKANE VALLEY, WA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,587 | 4.15% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $205,000 | $68,333 | $0 | 6.42% |
| Clearlake, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,429 | 4.25% |
| YUBA CITY, CA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $1,456 | 3.13% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $3,374 | 3.75% |
| Heber, UT (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.75% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 2 | $180,000 | $90,000 | $2,083 | 3.88% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 5.50% |
| JACKSON, TN (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,619 | 4.38% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $2,990 | 4.38% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,799 | 3.75% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,567 | 4.25% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,553 | 4.13% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,168 | 3.88% |
| Murray, KY (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,961 | 3.03% |
| JACKSON, MI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $1,686 | 5.25% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 3 | $145,000 | $48,333 | $510 | 5.00% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,423 | 4.00% |
| SALISBURY, MD-DE (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,129 | 3.63% |
| PROVIDENCE-WARWICK, RI-MA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,880 | 4.25% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $3,452 | 3.00% |
| BOISE CITY, ID (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 5.50% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.75% |
| Point Pleasant, WV-OH (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,851 | 4.00% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $100,000 | $50,000 | $0 | 5.06% |
| STAUNTON, VA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.50% |
| GRANTS PASS, OR (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 5.00% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $1,781 | 4.25% |
| EL PASO, TX (FHA|USDA|VA) | 1 | $85,000 | $85,000 | $0 | 4.75% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,674 | 3.13% |
| KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $0 | 5.50% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,118 | 4.63% |
| Adrian, MI (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $2,137 | 4.63% |
| CEDAR RAPIDS, IA (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 5.00% |
| McAlester, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $2,303 | 4.63% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.50% |
| Red Bluff, CA (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 5.00% |
| Lewisburg, TN (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 6.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.25% |
| Mount Sterling, KY (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 7.75% |
| COLUMBUS, IN (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.50% |
Similar Lenders
We use machine learning to identify the top lenders compared against UNIFY FINANCIAL Credit Union based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 704 | $296,840,000 | $421,648 | $2,412 | 3.75% |
| HELOC | 393 | $37,315,000 | $94,949 | n/a | 6.12% |
For 2019, Unify Financial Credit Union's most frequently originated type of loan was Conventional, with 704 originations. Their 2nd most popular type was HELOC, with 393 originations.
Loan Reason
For 2019, Unify Financial Credit Union's most frequently cited loan purpose was Other, with 337 originations. The 2nd most popular reason was Cash Out Refi, with 309 originations.
Loan Duration/Length
For 2019, Unify Financial Credit Union's most frequently cited loan duration was 30 Year, with 842 originations. The 2nd most popular length was 15 Year, with 176 originations.
Origination Fees/Closing Costs
Unify Financial Credit Union's average total fees were $2,601, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 588 originations.
Interest Rates
During 2019, Unify Financial Credit Union's average interest rate for loans was 4.89%, while their most frequently originated rate bucket for loans was 3-4%, with 408 originations.
Loan Sizing
2019 saw Unify Financial Credit Union place emphasis on $100,000 or less loans with 291 originations, totaling $16,505,000 in origination value.
Applicant Income
Unify Financial Credit Union lent most frequently to those with incomes in the $100k-150k range, with 293 originations. The second most popular income band? $150k-250k, with 279 originations.
Applicant Debt to Income Ratio
Unify Financial Credit Union lent most frequently to those with DTI ratios of 20-30%, with 221 originations. The next most common DTI ratio? 30-36%, with 192 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications65.30%
Unify Financial Credit Union has a low approval rate. They may have poor market targeting or stringent lending standards.
Pick Rate
Approvals leading to origination76.03%
Unify Financial Credit Union has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 0.0 | 393 | $37,315,000 | $94,949 |
| NA | 704 | $296,840,000 | $421,648 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 4 | $10,280,000 | $2,570,000 |
| Single Family (1-4 Units):Site-Built | 1,093 | $323,875,000 | $296,317 |