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 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, San Francisco, Dallas, Oxnard, and Riverside among others. We have data for 108 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 |
|---|---|---|
| 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
1,098Origination Dollar Volume (All Markets)
$326,290,000Awards
UNIFY FINANCIAL Credit Union - 2020
UNIFY FINANCIAL Credit Union is a 2020 , due to their low .
For 2020, 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) | 400 | $153,400,000 | $383,500 | $2,682 | 3.59% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 93 | $33,905,000 | $364,570 | $2,814 | 3.68% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 73 | $21,545,000 | $295,137 | $3,556 | 3.67% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 45 | $14,775,000 | $328,333 | $2,113 | 3.60% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 43 | $11,585,000 | $269,419 | $2,635 | 3.37% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 30 | $8,220,000 | $274,000 | $2,199 | 3.39% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 53 | $7,095,000 | $133,868 | $1,868 | 3.80% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 46 | $6,520,000 | $141,739 | $1,624 | 4.16% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 22 | $5,310,000 | $241,364 | $2,682 | 3.81% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 17 | $4,685,000 | $275,588 | $2,240 | 3.19% |
| New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) | 15 | $3,725,000 | $248,333 | $2,701 | 3.54% |
| Outside of Metro Areas | 22 | $3,260,000 | $148,182 | $2,278 | 3.75% |
| ANN ARBOR, MI (FHA|USDA|VA) | 13 | $2,915,000 | $224,231 | $2,159 | 3.76% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 18 | $2,870,000 | $159,444 | $1,853 | 3.86% |
| VALLEJO, CA (FHA|USDA|VA) | 8 | $2,580,000 | $322,500 | $1,281 | 5.08% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 5 | $2,575,000 | $515,000 | $1,912 | 3.80% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 7 | $2,045,000 | $292,143 | $2,406 | 4.32% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 3 | $1,865,000 | $621,667 | $1,761 | 3.27% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $1,510,000 | $377,500 | $3,672 | 3.52% |
| Tupelo, MS (FHA|USDA|VA) | 11 | $1,495,000 | $135,909 | $2,085 | 3.43% |
| URBAN HONOLULU, HI (FHA|USDA|VA) | 2 | $1,490,000 | $745,000 | $0 | 3.56% |
| RENO, NV (FHA|USDA|VA) | 5 | $1,365,000 | $273,000 | $1,312 | 3.86% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 4 | $1,260,000 | $315,000 | $3,687 | 3.66% |
| SANTA CRUZ-WATSONVILLE, CA (FHA|USDA|VA) | 1 | $1,155,000 | $1,155,000 | $2,761 | 3.00% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 2 | $1,140,000 | $570,000 | $3,393 | 3.26% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 5 | $1,115,000 | $223,000 | $1,467 | 3.23% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $1,065,000 | $1,065,000 | $3,760 | 2.63% |
| MANCHESTER-NASHUA, NH (FHA|USDA|VA) | 1 | $1,055,000 | $1,055,000 | $3,712 | 3.63% |
| STOCKTON, CA (FHA|USDA|VA) | 4 | $1,050,000 | $262,500 | $1,522 | 3.71% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 10 | $970,000 | $97,000 | $1,991 | 3.64% |
| JACKSONVILLE, NC (FHA|USDA|VA) | 1 | $915,000 | $915,000 | $0 | 3.86% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $3,108 | 4.10% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 5 | $785,000 | $157,000 | $1,736 | 3.31% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $735,000 | $245,000 | $1,759 | 3.60% |
| PROVO-OREM, UT (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $2,581 | 5.13% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 5 | $715,000 | $143,000 | $2,259 | 3.42% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 5 | $655,000 | $131,000 | $2,063 | 3.47% |
| CLEVELAND, TN (FHA|USDA|VA) | 4 | $650,000 | $162,500 | $1,602 | 3.26% |
| EVANSVILLE, IN-KY (FHA|USDA|VA) | 4 | $640,000 | $160,000 | $1,605 | 3.73% |
| BOISE CITY, ID (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $3,100 | 3.29% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $1,722 | 4.05% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 4 | $610,000 | $152,500 | $3,483 | 2.39% |
| LOUISVILLE, KY (FHA|USDA|VA) | 5 | $585,000 | $117,000 | $1,673 | 4.30% |
| Gardnerville Ranchos, NV (FHA|USDA|VA) | 1 | $585,000 | $585,000 | $2,178 | 3.13% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $3,599 | 2.70% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 1 | $515,000 | $515,000 | $3,154 | 3.38% |
| SALINAS, CA (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $1,776 | 3.13% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $1,789 | 3.58% |
| EL PASO, TX (FHA|USDA|VA) | 5 | $455,000 | $91,000 | $1,054 | 2.98% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 2 | $410,000 | $205,000 | $1,457 | 3.15% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,449 | 4.63% |
| Vincennes, IN (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $5,346 | 3.20% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $1,118 | 3.15% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $3,495 | 4.03% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $0 | 4.44% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $350,000 | $175,000 | $2,239 | 3.30% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 2 | $340,000 | $170,000 | $1,983 | 4.19% |
| BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) | 2 | $330,000 | $165,000 | $1,873 | 3.55% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $3,286 | 3.14% |
| LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) | 2 | $320,000 | $160,000 | $1,064 | 3.55% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,525 | 3.70% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $1,466 | 3.25% |
| HUNTINGTON-ASHLAND, WV-KY-OH (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $1,871 | 3.73% |
| MODESTO, CA (FHA|USDA|VA) | 2 | $260,000 | $130,000 | $5,476 | 3.91% |
| Frankfort, KY (FHA|USDA|VA) | 3 | $255,000 | $85,000 | $1,839 | 3.79% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $3,013 | 2.75% |
| GRAND JUNCTION, CO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $1,421 | 3.05% |
| ALLENTOWN-BETHLEHEM-EASTON, PA-NJ (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 3.05% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $3,244 | 3.76% |
| Sonora, CA (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $0 | 3.45% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $1,500 | 3.25% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 2 | $200,000 | $100,000 | $2,166 | 3.90% |
| Aberdeen, WA (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 3.45% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $5,642 | 3.23% |
| RICHMOND, VA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $1,173 | 2.10% |
| MADISON, WI (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $2,636 | 4.50% |
| MOUNT VERNON-ANACORTES, WA (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $1,143 | 3.50% |
| Bluefield, WV-VA (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 4.75% |
| Hilo, HI (FHA|USDA|VA) | 1 | $155,000 | $155,000 | $0 | 3.00% |
| ENID, OK (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,212 | 3.45% |
| TUCSON, AZ (FHA|USDA|VA) | 2 | $140,000 | $70,000 | $943 | 5.31% |
| DALTON, GA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,443 | 2.50% |
| MADERA, CA (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $971 | 2.85% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,979 | 3.20% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $2,806 | 3.10% |
| Traverse City, MI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $1,701 | 2.85% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,038 | 4.40% |
| Newport, OR (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,551 | 2.88% |
| LINCOLN, NE (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $1,046 | 3.23% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $2,710 | 3.75% |
| Truckee-Grass Valley, CA (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 4.25% |
| CHARLESTON, WV (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,802 | 2.88% |
| GAINESVILLE, GA (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $888 | 3.33% |
| ST. GEORGE, UT (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 5.50% |
| Payson, AZ (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $0 | 2.88% |
| WACO, TX (FHA|USDA|VA) | 1 | $95,000 | $95,000 | $2,298 | 3.00% |
| JOHNSTOWN, PA (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,879 | 3.13% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $2,063 | 4.10% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 1 | $75,000 | $75,000 | $1,539 | 3.53% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $575 | 8.00% |
| MONTGOMERY, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $3,081 | 2.50% |
| GADSDEN, AL (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 4.75% |
| ROCHESTER, NY (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 4.25% |
| FORT COLLINS, CO (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 7.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 5.00% |
| ALBUQUERQUE, NM (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 7.50% |
| Deming, NM (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 9.50% |
| WICHITA, KS (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 6.00% |
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Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 893 | $304,775,000 | $341,293 | $2,489 | 3.30% |
| HELOC | 205 | $21,515,000 | $104,951 | n/a | 5.20% |
For 2020, Unify Financial Credit Union's most frequently originated type of loan was Conventional, with 893 originations. Their 2nd most popular type was HELOC, with 205 originations.
Loan Reason
For 2020, Unify Financial Credit Union's most frequently cited loan purpose was Refi, with 405 originations. The 2nd most popular reason was Cash Out Refi, with 362 originations.
Loan Duration/Length
For 2020, Unify Financial Credit Union's most frequently cited loan duration was 30 Year, with 786 originations. The 2nd most popular length was 15 Year, with 195 originations.
Origination Fees/Closing Costs
Unify Financial Credit Union's average total fees were $2,654, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 749 originations.
Interest Rates
During 2020, Unify Financial Credit Union's average interest rate for loans was 3.90%, while their most frequently originated rate bucket for loans was 3-4%, with 547 originations.
Loan Sizing
2020 saw Unify Financial Credit Union place emphasis on $200k-400k loans with 385 originations, totaling $109,995,000 in origination value.
Applicant Income
Unify Financial Credit Union lent most frequently to those with incomes in the $100k-150k range, with 312 originations. The second most popular income band? $150k-250k, with 276 originations.
Applicant Debt to Income Ratio
Unify Financial Credit Union lent most frequently to those with DTI ratios of 20-30%, with 279 originations. The next most common DTI ratio? 30-36%, with 229 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications82.32%
Unify Financial Credit Union has a below average approval rate.
Pick Rate
Approvals leading to origination19.31%
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 |
|---|---|---|---|
| 0.0 | 63 | $6,395,000 | $101,508 |
| NA | 1,035 | $319,895,000 | $309,077 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| Multifamily:Site-Built | 3 | $4,045,000 | $1,348,333 |
| Single Family (1-4 Units):Site-Built | 1,095 | $322,245,000 | $294,288 |