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Unify Financial Federal Credit Union

ALLEN, TX

Unify Financial Federal Credit Union processed 1,028 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 372 loans with a 37.9% denial rate. Home Improvement was the primary loan purpose. Based in ALLEN, TX. The approval rate of 36.2% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Unify Financial Federal Credit Union's 36.2% origination rate tells you how often an application turned into funded money; the 37.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Credit history, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,027 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

1,028
Applications
372
Originated
37.9%
Denial Rate
$147,053
Avg Loan Amount
Avg Interest Rate: 9.364% Avg Applicant Income: $39,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,027 372 390 $147,045
FHA 1 0 0 $155,000

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Unify Financial Federal Credit Union (LEI: 549300FWYXJ79KO49290) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
217
Credit history
158
Other
79
Collateral
31
Unverifiable information
28
Insufficient cash
12
Credit application incomplete
9
Employment history
6

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Improvement 815 287 $97,344
Home Purchase 118 58 $375,000
Cash-out Refinancing 44 13 $283,636
Other 35 9 $286,143
Refinancing 16 5 $318,125

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 492 48.4% 40.0%
Black or African American 146 28.8% 54.8%
Asian 66 36.4% 43.9%
Joint * 18 61.1% 27.8%
American Indian or Alaska Native * 7 57.1% 42.9%
2 or more minority races * 5 40.0% 40.0%
Native Hawaiian or Other Pacific Islander * 4 0.0% 50.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 576 46.2% 40.3%
Hispanic or Latino 161 28.6% 60.9%
Joint * 32 62.5% 25.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

Usaa Bank

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare Unify Financial Federal Credit Union vs Nationstar Mortgage →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Unify Financial Federal Credit Union process?
Unify Financial Federal Credit Union processed 1,028 mortgage applications in the 2024 HMDA reporting year. Of these, 372 were originated (approved and funded), 157 were withdrawn by the applicant, and 390 were denied.
What is Unify Financial Federal Credit Union's mortgage approval rate?
Unify Financial Federal Credit Union has an approval (origination) rate of 36.2%, meaning 36.2% of all applications resulted in a funded mortgage. The denial rate is 37.9%.
What is the average loan amount at Unify Financial Federal Credit Union?
The average mortgage loan amount at Unify Financial Federal Credit Union is $147,053. The average interest rate is 9.364%. The average applicant income is $39,000.
What are the most common reasons for mortgage denial at Unify Financial Federal Credit Union?
The most common reasons for mortgage denial at Unify Financial Federal Credit Union are: Debt-to-income ratio, Credit history, Other. In total, 390 applications were denied out of 1,028 total applications.
What types of mortgage loans does Unify Financial Federal Credit Union offer?
Unify Financial Federal Credit Union processes Conventional, FHA loans. The most common type is Conventional with 1,027 applications and an average loan amount of $147,045.
What loan purposes does Unify Financial Federal Credit Union serve?
Unify Financial Federal Credit Union serves the following loan purposes: Home Improvement (815 applications), Home Purchase (118 applications), Cash-out Refinancing (44 applications), Other (35 applications), Refinancing (16 applications). Home Improvement is the most common purpose.
Where is Unify Financial Federal Credit Union located?
Unify Financial Federal Credit Union is headquartered in ALLEN, TX. The lender is identified by LEI 549300FWYXJ79KO49290 in HMDA data.
How does Unify Financial Federal Credit Union compare in lending across racial demographics?
Unify Financial Federal Credit Union reports demographic lending data under HMDA requirements. White applicants have an approval rate of 48.4% and denial rate of 40.0%; Black or African American applicants have an approval rate of 28.8% and denial rate of 54.8%; Asian applicants have an approval rate of 36.4% and denial rate of 43.9%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.