Lender profile · HMDA 2023–2025
UNIFY FINANCIAL Credit Union mortgage approval rates & lending data
UNIFY FINANCIAL Credit Union decided 1,270 mortgage applications and funded 591 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 78% | 99 / 127 | 99% | $285K | 98 |
| Home improvement loans | 44% | 456 / 1,043 | 100% | $85K | 455 |
| Cash-out refinance | 44% | 23 / 52 | 100% | $285K | 23 |
UNIFY FINANCIAL Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 44% | $85K | 650 | 285 |
| Arkansas | 45% | $65K | 141 | 63 |
| Texas | 41% | $115K | 115 | 47 |
| Georgia | 56% | $45K | 41 | 23 |
| Nevada | 37% | $65K | 38 | 14 |
| Florida | 38% | $45K | 34 | 13 |
| Kentucky | 70% | $55K | 33 | 23 |
| Arizona | 55% | $65K | 29 | 16 |
| North Carolina | 85% | $285K | 26 | 22 |
| Virginia | 69% | $165K | 16 | 11 |
| Tennessee | 73% | $75K | 15 | 10 |
| Michigan | 69% | $55K | 13 | 9 |
| Illinois | 42% | $115K | 12 | 5 |
| Maryland | 67% | $65K | 12 | 8 |
| New Jersey | 60% | $105K | 10 | 6 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.