Unify Financial Federal Credit Union Mortgage Lending & HMDA Data, 2024
In 2024, Unify Financial Federal Credit Union of Allen, TX reported 1,028 mortgage applications totaling $151.2 million, about the same as 2023. The average application was for $147,052, and applicants reported an average income of $148,738. 36% of its applications resulted in an originated loan and 38% were denied. Its largest markets were Los Angeles-Long Beach-Glendale, CA (221), Fayetteville-Springdale-Rogers, AR-MO (103) and Lexington-Fayette, KY (70) (applications in parentheses).
| Mortgage Company & Address | Unify Financial Federal Credit Union 1899 Western Way Allen, TX 75013 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 1,028 |
| Total Mortgage Loan Application Amount | $151,170,000 |
| Average Mortgage Loan Application Amount | $147,052 |
| Highest Mortgage Loan Application Amount | $2,065,000 |
| Average Applicant Income | $148,738 |
| Highest Applicant Income | $2,280,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Unify Financial Federal Credit Union filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Los Angeles-Long Beach-Glendale, CA | 221 | $ 38,555,000 | $ 174,457 | $ 151,000 |
| Fayetteville-Springdale-Rogers, AR-MO | 103 | $ 11,915,000 | $ 115,679 | $ 103,000 |
| Outside any metro area | 80 | $ 11,020,000 | $ 137,750 | $ 123,618 |
| Lexington-Fayette, KY | 70 | $ 6,600,000 | $ 94,285 | $ 108,000 |
| Oakland-Hayward-Berkeley, CA | 62 | $ 7,150,000 | $ 115,322 | $ 194,000 |
| Dallas-Plano-Irving, TX | 57 | $ 13,815,000 | $ 242,368 | $ 240,000 |
| Riverside-San Bernardino-Ontario, CA | 46 | $ 5,330,000 | $ 115,869 | $ 166,000 |
| Anaheim-Santa Ana-Irvine, CA | 35 | $ 6,155,000 | $ 175,857 | $ 198,000 |
| Oxnard-Thousand Oaks-Ventura, CA | 35 | $ 4,475,000 | $ 127,857 | $ 135,000 |
| Las Vegas-Henderson-Paradise, NV | 24 | $ 2,670,000 | $ 111,250 | $ 113,000 |
| Atlanta-Sandy Springs-Roswell, GA | 19 | $ 2,035,000 | $ 107,105 | $ 163,000 |
| Cincinnati, OH-KY-IN | 15 | $ 1,735,000 | $ 115,666 | $ 129,333 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 2,955,000 | $ 227,307 | $ 148,000 |
| Chicago-Naperville, IL | 11 | $ 1,305,000 | $ 118,636 | $ 172,000 |
| Arlington-Alexandria-Reston, VA-WV | 10 | $ 1,810,000 | $ 181,000 | $ 236,000 |
| San Diego-Carlsbad, CA | 10 | $ 1,870,000 | $ 187,000 | $ 207,000 |
| Orlando-Kissimmee-Sanford, FL | 9 | $ 895,000 | $ 99,444 | $ 100,000 |
| Stockton-Lodi, CA | 9 | $ 1,325,000 | $ 147,222 | $ 74,000 |
| Chattanooga, TN-GA | 8 | $ 820,000 | $ 102,500 | $ 119,625 |
| St. Louis, MO-IL | 8 | $ 1,240,000 | $ 155,000 | $ 129,250 |
| Vallejo-Fairfield, CA | 8 | $ 740,000 | $ 92,500 | $ 314,000 |
| San Antonio-New Braunfels, TX | 7 | $ 765,000 | $ 109,285 | $ 102,000 |
| El Paso, TX | 6 | $ 470,000 | $ 78,333 | $ 67,000 |
| Bakersfield, CA | 5 | $ 255,000 | $ 51,000 | $ 95,000 |
| Fort Worth-Arlington, TX | 5 | $ 615,000 | $ 123,000 | $ 127,000 |
| Greensboro-High Point, NC | 5 | $ 945,000 | $ 189,000 | $ 96,000 |
| Lakewood-New Brunswick, NJ | 5 | $ 705,000 | $ 141,000 | $ 186,000 |
| Marietta, GA | 5 | $ 285,000 | $ 57,000 | $ 78,000 |
| Tucson, AZ | 5 | $ 525,000 | $ 105,000 | $ 91,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 5 | $ 955,000 | $ 191,000 | $ 105,000 |
| Ann Arbor, MI | 4 | $ 520,000 | $ 130,000 | $ 183,000 |
| Augusta-Richmond County, GA-SC | 4 | $ 140,000 | $ 35,000 | $ 81,000 |
| Evansville, IN-KY | 4 | $ 300,000 | $ 75,000 | $ 88,000 |
| Huntsville, AL | 4 | $ 970,000 | $ 242,500 | $ 109,000 |
| San Francisco-Redwood City-South San Francisco, CA | 4 | $ 1,130,000 | $ 282,500 | $ 227,000 |
| Albuquerque, NM | 3 | $ 235,000 | $ 78,333 | $ 60,000 |
| Allentown-Bethlehem-Easton, PA-NJ | 3 | $ 1,005,000 | $ 335,000 | $ 142,000 |
| Cleveland, TN | 3 | $ 325,000 | $ 108,333 | $ 103,000 |
| Denver-Aurora-Lakewood, CO | 3 | $ 415,000 | $ 138,333 | $ 110,000 |
| Montgomery County-Bucks County-Chester County, PA | 3 | $ 145,000 | $ 48,333 | $ 128,000 |
| Newark, NJ-PA | 3 | $ 315,000 | $ 105,000 | $ 280,000 |
| Reno, NV | 3 | $ 585,000 | $ 195,000 | $ 91,000 |
| Virginia Beach-Norfolk-Newport News, VA-NC | 3 | $ 615,000 | $ 205,000 | $ 145,000 |
| Washington, DC-MD | 3 | $ 695,000 | $ 231,666 | $ 192,000 |
| Birmingham-Hoover, AL | 2 | $ 1,190,000 | $ 595,000 | $ 315,000 |
| Burlington, NC | 2 | $ 780,000 | $ 390,000 | $ 164,000 |
| Durham-Chapel Hill, NC | 2 | $ 340,000 | $ 170,000 | $ 87,000 |
| Florence, SC | 2 | $ 70,000 | $ 35,000 | $ 108,000 |
| Fort Smith, AR-OK | 2 | $ 100,000 | $ 50,000 | $ 95,000 |
| Fresno, CA | 2 | $ 430,000 | $ 215,000 | $ 105,000 |
| Houston-The Woodlands-Sugar Land, TX | 2 | $ 100,000 | $ 50,000 | $ 1,158,000 |
| Huntington-Ashland, WV-KY-OH | 2 | $ 50,000 | $ 25,000 | $ 125,000 |
| Louisville/Jefferson County, KY-IN | 2 | $ 180,000 | $ 90,000 | $ 128,000 |
| Milwaukee-Waukesha-West Allis, WI | 2 | $ 50,000 | $ 25,000 | $ 17,000 |
| Modesto, CA | 2 | $ 110,000 | $ 55,000 | $ 43,000 |
| Providence-Warwick, RI-MA | 2 | $ 410,000 | $ 205,000 | $ 142,000 |
| Raleigh, NC | 2 | $ 190,000 | $ 95,000 | $ 282,000 |
| Sacramento--Roseville--Arden-Arcade, CA | 2 | $ 180,000 | $ 90,000 | $ 149,000 |
| Salt Lake City, UT | 2 | $ 270,000 | $ 135,000 | $ 120,000 |
| Staunton-Waynesboro, VA | 2 | $ 90,000 | $ 45,000 | $ 117,000 |
| Urban Honolulu, HI | 2 | $ 160,000 | $ 80,000 | $ 139,000 |
| Wilmington, NC | 2 | $ 340,000 | $ 170,000 | $ 105,000 |
| Austin-Round Rock, TX | 1 | $ 255,000 | $ 255,000 | $ 275,000 |
| Baltimore-Columbia-Towson, MD | 1 | $ 535,000 | $ 535,000 | $ 148,000 |
| Boulder, CO | 1 | $ 445,000 | $ 445,000 | $ 0 |
| Bridgeport-Stamford-Norwalk, CT | 1 | $ 185,000 | $ 185,000 | $ 84,000 |
| Cape Coral-Fort Myers, FL | 1 | $ 55,000 | $ 55,000 | $ 62,000 |
| Charlotte-Concord-Gastonia, NC-SC | 1 | $ 2,065,000 | $ 2,065,000 | $ 0 |
| Charlottesville, VA | 1 | $ 225,000 | $ 225,000 | $ 126,000 |
| Coeur D'Alene, ID | 1 | $ 205,000 | $ 205,000 | $ 169,000 |
| Columbia, SC | 1 | $ 95,000 | $ 95,000 | $ 163,000 |
| Columbus, GA-AL | 1 | $ 145,000 | $ 145,000 | $ 0 |
| Crestview-Fort Walton Beach-Destin, FL | 1 | $ 255,000 | $ 255,000 | $ 12,000 |
| Detroit-Dearborn-Livonia, MI | 1 | $ 175,000 | $ 175,000 | $ 128,000 |
| Dover, DE | 1 | $ 75,000 | $ 75,000 | $ 88,000 |
| Elgin, IL | 1 | $ 25,000 | $ 25,000 | $ 194,000 |
| Elkhart-Goshen, IN | 1 | $ 105,000 | $ 105,000 | $ 39,000 |
| Fort Lauderdale-Pompano Beach-Deerfield Beach, FL | 1 | $ 55,000 | $ 55,000 | $ 59,000 |
| Homosassa Springs, FL | 1 | $ 15,000 | $ 15,000 | $ 117,000 |
| Jackson, MI | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Jacksonville, FL | 1 | $ 195,000 | $ 195,000 | $ 39,000 |
| Jacksonville, NC | 1 | $ 55,000 | $ 55,000 | $ 60,000 |
| Jefferson City, MO | 1 | $ 55,000 | $ 55,000 | $ 0 |
| Lakeland-Winter Haven, FL | 1 | $ 65,000 | $ 65,000 | $ 62,000 |
| Las Cruces, NM | 1 | $ 35,000 | $ 35,000 | $ 92,000 |
| Little Rock-North Little Rock-Conway, AR | 1 | $ 65,000 | $ 65,000 | $ 141,000 |
| Miami-Miami Beach-Kendall, FL | 1 | $ 65,000 | $ 65,000 | $ 0 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 25,000 | $ 25,000 | $ 83,000 |
| New York-Jersey City-White Plains, NY-NJ | 1 | $ 155,000 | $ 155,000 | $ 0 |
| Odessa, TX | 1 | $ 65,000 | $ 65,000 | $ 194,000 |
| Pensacola-Ferry Pass-Brent, FL | 1 | $ 655,000 | $ 655,000 | $ 185,000 |
| Portland-South Portland, ME | 1 | $ 255,000 | $ 255,000 | $ 137,000 |
| Roanoke, VA | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| Rochester, NY | 1 | $ 255,000 | $ 255,000 | $ 0 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 155,000 | $ 155,000 | $ 175,000 |
| San Rafael, CA | 1 | $ 75,000 | $ 75,000 | $ 288,000 |
| Savannah, GA | 1 | $ 65,000 | $ 65,000 | $ 146,000 |
| South Bend-Mishawaka, IN-MI | 1 | $ 255,000 | $ 255,000 | $ 0 |
| Spartanburg, SC | 1 | $ 205,000 | $ 205,000 | $ 150,000 |
| Tacoma-Lakewood, WA | 1 | $ 335,000 | $ 335,000 | $ 115,000 |
| Tampa, FL | 1 | $ 85,000 | $ 85,000 | $ 113,000 |
| Terre Haute, IN | 1 | $ 75,000 | $ 75,000 | $ 216,000 |
| Toledo, OH | 1 | $ 105,000 | $ 105,000 | $ 144,000 |
| Vineland-Bridgeton, NJ | 1 | $ 85,000 | $ 85,000 | $ 132,000 |
| Wichita, KS | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Wildwood-The Villages, FL | 1 | $ 335,000 | $ 335,000 | $ 0 |
Mortgage Loan Application Detail Totals for Unify Financial Federal Credit Union in 2024
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 815 | $79,335,000 | $97,000 | $1,005,000 | $149,000 | $2,280,000 |
| Home Purchase | 118 | $44,250,000 | $375,000 | $1,685,000 | $155,000 | $523,000 |
| Cash-out Refinancing | 44 | $12,480,000 | $283,000 | $665,000 | $123,000 | $362,000 |
| Other Purpose | 35 | $10,015,000 | $286,000 | $2,065,000 | $146,000 | $382,000 |
| Refinancing | 16 | $5,090,000 | $318,000 | $1,075,000 | $166,000 | $445,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 381 | $56,715,000 | $148,000 | $1,685,000 | $156,000 | $2,093,000 |
| Hispanic | 172 | $19,750,000 | $114,000 | $655,000 | $117,000 | $591,000 |
| Black or African American | 145 | $18,735,000 | $129,000 | $835,000 | $125,000 | $405,000 |
| Not applicable | 141 | $25,595,000 | $181,000 | $2,065,000 | $0 | $0 |
| Not Provided | 109 | $14,315,000 | $131,000 | $665,000 | $174,000 | $1,920,000 |
| Asian | 71 | $15,115,000 | $212,000 | $1,305,000 | $202,000 | $2,280,000 |
| American Indian or Alaskan Native | 6 | $710,000 | $118,000 | $145,000 | $120,000 | $167,000 |
| Native Hawaiian or Other Pacific Islander | 3 | $235,000 | $78,000 | $105,000 | $108,000 | $150,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 1,027 | $151,015,000 | $147,000 | $2,065,000 | $149,000 | $2,280,000 |
| FHA-insured (Federal Housing Administration) | 1 | $155,000 | $155,000 | $155,000 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Application Denied By Financial Institution | 390 | $49,230,000 | $126,000 | $885,000 | $136,000 | $2,280,000 |
| Loan Originated | 372 | $54,240,000 | $145,000 | $1,685,000 | $151,000 | $875,000 |
| Application Withdrawn By Applicant | 157 | $27,875,000 | $177,000 | $2,065,000 | $181,000 | $864,000 |
| File Closed For Incompleteness | 109 | $19,825,000 | $181,000 | $1,305,000 | $181,000 | $1,680,000 |
| Application Approved But Not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 638 | $101,940,000 | $159,000 | $2,065,000 | $159,000 | $1,680,000 |
| Debt-To-Income Ratio | 214 | $28,660,000 | $133,000 | $835,000 | $101,000 | $405,000 |
| Credit History | 83 | $7,475,000 | $90,000 | $425,000 | $121,000 | $415,000 |
| Other | 47 | $6,595,000 | $140,000 | $885,000 | $277,000 | $2,280,000 |
| Collateral | 19 | $2,935,000 | $154,000 | $665,000 | $253,000 | $1,920,000 |
| Unverifiable Information | 13 | $1,655,000 | $127,000 | $435,000 | $117,000 | $312,000 |
| Credit Application Incomplete | 7 | $745,000 | $106,000 | $255,000 | $172,000 | $340,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 5 | $865,000 | $173,000 | $305,000 | $134,000 | $221,000 |
| Employment History | 2 | $300,000 | $150,000 | $225,000 | $169,000 | $255,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Unify Financial Federal Credit Union's 2024 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Unify Financial Federal Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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