UNIFY FINANCIAL Credit Union mortgage approval rate & lending review
UNIFY FINANCIAL Credit Union decided 1,270 mortgage applications and funded 591 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions UNIFY FINANCIAL Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to ufcu.org.
UNIFY FINANCIAL Credit Union at a glance
Approval is 19.0 points below the 65.7% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where UNIFY FINANCIAL Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Home improvement loans | 43% | 304 | 132 |
| Benton County, AR | Home improvement loans | 35% | 83 | 29 |
| Orange County, CA | Home improvement loans | 47% | 60 | 27 |
| Ventura County, CA | Home improvement loans | 49% | 49 | 24 |
| Contra Costa County, CA | Home improvement loans | 47% | 49 | 23 |
| Washington County, AR | Home improvement loans | 56% | 27 | 15 |
| Riverside County, CA | Home improvement loans | 35% | 34 | 12 |
| Alameda County, CA | Home improvement loans | 45% | 22 | 10 |
| Denton County, TX | Home improvement loans | 50% | 20 | 10 |
| San Bernardino County, CA | Home improvement loans | 41% | 22 | 9 |
| Collin County, TX | Home improvement loans | 24% | 34 | 8 |
| Clark County, NV | Home improvement loans | 28% | 25 | 7 |
The county markets where UNIFY FINANCIAL Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about UNIFY FINANCIAL Credit Union
What is UNIFY FINANCIAL Credit Union's mortgage approval rate?
UNIFY FINANCIAL Credit Union approved 46.7% of the 1,270 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 19.0 points below the 65.7% national rate for the same mix of loan types.
How often do borrowers take the loan UNIFY FINANCIAL Credit Union offers?
Borrowers accepted 100% of the loans UNIFY FINANCIAL Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does UNIFY FINANCIAL Credit Union make?
The typical home improvement loan loan UNIFY FINANCIAL Credit Union made was $85K; across all loan types its typical loan ran from $85K to $285K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does UNIFY FINANCIAL Credit Union lend?
UNIFY FINANCIAL Credit Union decided applications in 40 of the states Fat Boy Data covers, most of them in California, Arkansas and Texas.
Can I apply to UNIFY FINANCIAL Credit Union directly?
Yes. UNIFY FINANCIAL Credit Union reports as a direct lender that takes applications from borrowers. Its website is ufcu.org.
Does this page show UNIFY FINANCIAL Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how UNIFY FINANCIAL Credit Union treats applications, then get a rate quote from the lender.