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 score and performance metrics.

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 an overall pricing score of 76.2/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is UNIFY FINANCIAL Credit Union?

UNIFY FINANCIAL Credit Union is a Credit Union headquartered in Allen, TX.

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UNIFY FINANCIAL Credit Union

Credit Union•Allen, TXHQ•Direct•Reviews near you on Google

UNIFY FINANCIAL Credit Union has 75 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Strong

4/5

vs. all lenders

Pull-through

Acceptable

2/5

closing strength

Product

Acceptable

2/5

Conventional

Place

Sound

3/5

Multi-Region · 1 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Competitive pricing compared to the market
Lower than average lender fees

Things to Think About

Pull through efficiency is below industry average

Explore another lender or local market

Report Card

UNIFY FINANCIAL Credit Union performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

+7.0 bps above market avg

4/5

Pull Through

Closing strength

Acceptable

Bottom 40% of lenders

2/5

By Loan Product· Specialization by type

Conventional

69 loans · 0.10% above market

Acceptable

Bottom 40% of lenders

2/5

By Loan Purpose· Transaction purpose mix

Purchase

57 loans · 0.07% above market

Acceptable

Bottom 40% of lenders

2/5

Refinance

18 loans · 0.08% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Multi-Regional · 2 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Sound	Acceptable	Strong	Acceptable	69	92.0%	+0.098%Above	$808Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume69

Mix92.0%

Spread

+0.098%Above

Fees

$808Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Acceptable	57	76.0%	+0.066%Above	$711Fees
Refinance	Acceptable	Acceptable	—	Acceptable	18	24.0%	+0.083%Above	$731Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Acceptable

Volume57

Mix76.0%

Spread

+0.066%Above

Fees

$711Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through

Acceptable

Volume18

Mix24.0%

Spread

+0.083%Above

Fees

$731Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

132

Volume

$26 million

Pricing & Closing

Avg Rate Spread

+0.070%

vs. market APOR

Avg Net Fees

$716

Origination − Credits

Pullthrough Rate

56.8%

Applications → Closed

Typical Borrower

Avg Loan Amount

$357,400

Avg Borrower Income

$147,960

Avg Property Value

$585,667

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

20Full-year 2024 · HMDA

Loans originated

< 1010+None

Northeast1

Midwest4

INMIMOOH

South10

ALARKYMDMSNCOKTNTXVA

West5

AZCACONMNV

Top Metro Areas by Place Specialization Score

Fayetteville, ARMetro

Volume 10Mix 13.33% of portfolio

47/100

Sound

Top States by Place Specialization Score

ArkansasState

Volume 10Mix 13.33% of portfolio

45/100

Sound

KentuckyState

Volume 10Mix 13.33% of portfolio

45/100

Sound

CaliforniaState

Volume 14Mix 18.67% of portfolio

45/100

Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.

No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

HMDA 2024Built using publicly available originated loan data from the federal government.

Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.